vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
A car that was sold the car in XXXX of XXXX and was removed from registration on XX/XX/XXXX and from our insurance on XX/XX/XXXX. Which we have documentation of that as well. Then in XXXX XXXX a police officer knocks on our door to inform our car was found in XXXX XXXX, UT. We live in XXXX XXXX, UT. That the car was abandoned and found on XXXX XXXX on XXXX XXXX. When we sold it the car did not run, it had to be towed from our home. We did remove the license plates and reported the car as sold. Well when the police officer gave us that notice, my mother whos first language isnt English had informed them we had sold the car. She then asked if we needed to do anything. The police officer informed her that he saw the car was already removed from registration and that there nothing else to do. Well we were then informed by Outsource receivable management that we owe {$3600.00}. That this was by XXXX XXXX XXXX. I have already filed a dispute and sent documentation of the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
This is my second complaint regarding Mr. Cooper. Mr. Cooper charged me PMI since the beginning of the loan in error. My home had over the required amount of equity when the home was transferred from Seterus. After the first complaint ; Mr. Cooper ONLY reimbursed the amount based on my request in writing. However, I had CALL SEVERAL times prior to sending the email in XXXX of 2020. 

I am requesting the Mr. Cooper reimburse me for EVERY XXXX  they took from me. They should NEVER have charged PMI. They should also pay me interest for taking my money and forcing me to have to beg them, write letters, and submit complaints to get my own money back. 

If they do not REIMBURSE every dime - I will seek an attorney to assist me. IN addition, each time I contact them regarding my concerns - they try to SELL me something. It is very insulting and unprofessional!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
Debt was owed by my son for a check from their bank account written on his and his ex wife 's XXXX account. XXXX has confirmed it is not me, but collector is still trying to collect and damaging my credit with a collection on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted XXXX on XX/XX/XXXX after days of being unable to log into my account. I called the phone number : XXXX and emailed XXXX pictures of the System Error message. I was told to reset my account password as well as try a new browser with cookies reset, use the mobile app, and try to log in through a fresh XXXX XXXX and XXXX XXXX browser. 

After attempting all the above suggestions, I still could not log in to my account to view my XXXX Account information or records. Since the error message said this was an issue that was to be resolved by the System Administrator ( as I could log into my account, just not bypass the System Error page ). I was informed that IT would take a look at the issue after their manager would reach out to them. 

On XX/XX/XXXX I called XXXX at the same number again, and emailed the same pictures of the error message XXXX after being requested for images of the System Error message again. I was informed that IT would look at the issue. 

On XX/XX/XXXX XXXX responded to my earlier emails to request me to try logging in with the mobile app. I responded that it still did not work. I was also informed that IT did not have a response to their manager yet. 

On XX/XX/XXXX I called XXXX at the same number again to inquire about any possible updates from IT. I was informed by the agent then that a ticket would now be filed to IT regarding my issue. I was confused, as I had thought that a ticket had been filed on the XXXX, which would mean that about a week had gone by without an actual ticket being filed towards the issue. I was then informed that I would receive a call by XX/XX/XXXX from the support manager, no matter if the IT team had an update or not, just to keep me in the loop of the progress towards fixing the System Error to allow me to access my account. 

On XX/XX/XXXX I did not receive a call from XXXX, so I ended up reaching out to the same customer support number at XXXX Pacific time, as I was anxious to be able to access my account information and funds. I spoke briefly to the support manager : XXXX who informed me that they would upgrade the priority of the ticket. 

I have not received any updates/calls from XXXX since the XXXX, where I had to reach out to them even though I was promised an update. I'm concerned that XXXX is not prioritizing serious technical issues that prevents their customers from being able to access urgent funds that are pertinent to their health insurance. Furthermore, the consistent lack of communication from XXXX does not inspire any faith that they care about the safety of their customers and their health insurance funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-08-31 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: PlusFour, Inc
State: NV

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The attachment belows shows that I have a 59 % and also feels at the bottom that once I get to 40 % my loan balance will no longer be negative score factor. But some how Experion its keeping the loan balance as a negative which means I have not paid 40 % while showing the correct amount that I have paid 59 %. How it is supposed to work is once I get to40 % loan balance is to be removed. please correct because the credit tampering because experion wrongfully Named suggestions ( Score factors ) then use this suggestion that can not be disputed as real factors to destroy my score. But every time I ask the representative about score factors they referred to the ones on my file and not the ones call school factors. That are not on my file. The same file with nothing but the age of credit increase. Have been XXXX - XXXX to XXXX the same file give all these deferent number. Look at the timeline you will see Credit fraud Consecutively.

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 2021-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I wrote ( sent a priority letter ) to the CEO of the company One Main Financial company XXXX XXXX in Indiana. I told him something wasn't right about my loan and that I couldn't understand how I could make payments and not see my loan amount go down and that the majority of my payments went to interest and not principle ( AT LEAST HALF SHOULD GO TO PRINCIPLE! ). At the writing of this complaint I paid {$160.00} on my loan and only {$49.00} went towards principle!! How is that so??!! I called the local office and asked how this could be and complained as well but the person I was speaking to only gave me the run around. In the letter I wrote to the CEO XXXX XXXX I begged him to lower my interest rate and to fix it because something was fishy about my loan ( PREDETORY LENDING! ). He NEVER answered me ( because he doesn't care! money goes into his pockets so he doesn't care about people struggling or getting ripped off as long as his pockets are fat! ). I took a loan of {$3500.00} from One Main but at the rate I'm going by the time I finish paying for it I will have paid probably {$8000.00}!!! This is wrong and something isn't right ... they are ripping people off and taking advantage of people and I think it's illegal practices. This company needs to be looked into and I don't want to be taken advantage of. I feel I'm being ripped off ... I have the documentation showing that I paid {$160.00} and only {$49.00} went to principle. ALSO they do not put how much interest they're charging you on the monthly statement so you don't have a clue as to what they are doing/charging in interest and how they're coming up with the charges!!! They also don't post on your statement what your interest rate is!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: NJ

Complaint narrative:
On or around XX/XX/XXXX I paid off a balance of XXXX XXXX XXXX. Then I filled a dispute with Experian and asked that they updated my account to reflect that it was paid in full. I was looking forward to seeing an increase in my FiCO score, as a result. However, I was told that the debt was deleted from my credit report in XXXX. No such deletion is shown on my credit report. If the account was deleted how did I have an ability to both payoff the debt via collection agency or submit an electronic dispute regarding the XXXX XXXX credit card? 

Experian is attempting not to fairly report my payment, so that my credit score does not increase. There is close to a XXXX point difference in my fico score with XXXX XXXX or XXXX. There are unfair reporting practices being done. It is affecting my ability to buy a home and this is my American dream and right to pursue happiness.

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 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One CEO XXXX XXXX and agents has violated my rights as a consumer and the federal laws pursuant to 15 USC 1592h by ignoring my previous complaints about being in violation of the FDCPA and disregarding my request directing that all payments made on the credit account be mailed via check to the address on file. XXXX XXXX is in violation of the 18 USC 894. Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

Also, Capital One Bank CEO XXXX XXXX is in violation of 15 USC 892. Making extortionate extensions of credit ( a ) Whoever makes any extortionate extension of credit, or conspires to do so, shall be fined under this title or imprisoned not more than 20 years, or both.

Also, CEO XXXX XXXX is in violation of the truth in lending act which 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term person means a natural person or an organization.

I am the natural person due credit on an open end credit plan ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

I have the right per clause ( f ) to defer payment of debt and incur and my rights have been violated by Capital One Bank CEO XXXX XXXX. 

( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, I was punished for exercising my rights as a consumer requesting a cease and desist from contacting regarding the alleged debt and CEO XXXX XXXX closed my account. Which did not benefit me as the consumer and he had no right to do so pursuant to federal law of unauthorized use of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This is a written notice to XXXX XXXX as ceo of Synchrony Financial XXXX the consumer am invoking my right of recsission pursuant 15 usc 1635. I rescind all signatures, endorsements, and consents of my information there of. I expect my information be deleted, and all money be mailed by check to the address of XXXX XXXX in good faith.

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 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Block, Inc.
State: IL

Complaint narrative:
I was selling an XXXX XXXX XXXX XXXX on the XXXX XXXX on XXXX about three weeks ago. I submitted the condition of the phone, the name of the phone and the asking price for the phone. One particular consumer submitted interest in the phone and stated that he wanted to purchase it. Upon further conversation through XXXX, we both agreed on the details for the purchase of the phone, which was {$700.00} USD and that once the consumer submitted his address to where the phone was to be shipped to, I would then take the phone to the XXXX XXXX XXXX XXXX, have it mailed off and then submit a photo copy of the receipt and tracking number to the Cash App Center to have my funds submitted to my account. I held up EVERY aspect of my side of the commitment to the selling and delivery of the phone and I have yet to this day, received any money for my phone. I received an email from Cash App stating that they have submitted money to my account and I HAVE NOT RECEIVED ANY FUNDS! Further more, Cash App then stated that the reason for the delay of my not receiving any money was due to the fact that the denomination of money was too low for me to receive any money. So then Cash App claimed to have gotten in touch with the buyer of the phone and to inform him of this problem and that the buyer would need to submit at least {$500.00} more USD in order for me to receive any money. I was then told that the buyer had done so and submitted the extra money requested and required for me to receive any money. Then I was told that I needed to refund the extra {$500.00} USD back to the buyer of the phone in order to receive the original {$700.00} USD. I have never received NOT ONE SINGLE PENNY OF ANY MONEY AT ALL! And now I have been threatened by the buyer and Cash App about this ordeal and told that I would be sued and sent to prison for this. I have also received a threat by email from what was supposed to be the FBI, stated that I need to relinquish the funds or be sent to prison. I truly believe that this is all a fraudulent attempt at obtaining a free phone from me and that the whole ordeal was fraudulent! I believe that the Cash-App statements are false and that the FBI emails are false. I don't know how to go about proving this and need help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation