vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: LOBEL FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2020 I totaled my car I had Lobel financial insurance on my vehicle at the time, I was laid off and have not received unemployment like many thousands of Americans at the time. I totaled my car due to a DUI I called lobel after the accident and the brainless representative told me that their insurance does not cover DUIs and left me with the total debt of the car I was paying insurance over {$200.00} extra on top of my car note and they refuse to cover any part of the total loss. would not work with me at all they told me not to worry about the monthly payments and they will figure this out. One week later they closed my account and sent it to collections I was unemployed and had no unemployment coming in due to the overwhelming numbers of Americans trying to get unemployment in the beginning of the beginning of last year. I now have a collections of {$15000.00} I was served a couple of days ago and they are suing me for the amount, I've called lobel financial and talked to so many representatives and they've all just told me I'm out of luck and I have to pay off the whole thing they did not help me at all I paid over {$200.00} in insurance and they didn't cover not one part I am scammed Lobel financial has already been sued for the same exact thing and I am now another victim if their scam insurance I have court in less than 20 days they are suing me. I want a lawyer I want someone to help me counter suit this corrupt company they damaged my credit, they took my money for a service that they never provided they scammed me. I will do everything and use the lawsuit filed against them recently seems they haven't learned their lesson on the lawsuit they recently got against them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: NV

Complaint narrative:
FALSE STMT TO OR OBSTRUCT PUBLIC OFFICER : It happened between the year of XXXX, the statements should be clear by now. It was filed on, XXXX, XXXX, XXXX, offense date is, XX/XX/XXXX, and the disposition date, XXXX, XXXX, XXXX. 

All actions has been resolved and cleared on other background checks, please request a new background check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MoneyLion Inc.
State: TX

Complaint narrative:
A representative called my house, my cell, and texted me in a matter of XXXX at least XXXX times, and then they proceeded to call my employer and misrepresent themselves as an employer for the XXXX XXXX Department , they talked to three different people about a past debt, to XXXX XXXX , XXXX XXXX , and XXXX XXXX , now my employment is up for review, and I look like a criminal to my employers. In a time where we are dealing with a pandemic, I suffered a XXXX XXXX, which cause me to visit the XXXX. and my character was defamed and defiled, by a debt collector who was abrasive, and lying about his/her position, and what they were doing. This debt is old, and should be charged off, but keep being resold for the purpose of embarrassing and harassing past clients. This is unwarranted and unlawful behavior, and will my attorney has been called and will also be reaching out out, no case numbers were left, only to say they are coming either to my house or my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I took care of the settlement balance of {$720.00}. I was told that the debt would be removed from my credit reports and it is still reporting. Confirmation of payment is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
HOW MANY TIMES DO I HAVE TO TELL YOU?!?!? THEY WOULD NOT ALLOW ME TO RETURN THE MERCHANDISE!!!! BECAUSE THEY CLOSED MY ACCOUNT!!!! I'VE SHOWED YOU THIS DOCUMENTATION NUMEROUS TIMES!!! DO NOT TELL ME MY DOCUMENTATION WAS NOT SUFFICIENT ENOUGH TO SUPPORT MY CLAIM. YOU JUST DON'T WANT TO ADMIT YOU MESSED UP BECAUSE YOU DON'T WANT TO COUGH UP THE FUNDS TO PAY ME BACK YOURSELVES!!!! TOO MUCH TIME HAS PASSED TO REOPEN THE DISPUTE?? THAT'S BECAUSE YOU XXXX  XXXX  COULDN'T READ!!! OR PRETENDED LIKE YOU COULDN'T ANYWAY. YOU EVEN WENT IN FAVOR OF THE MERCHANT BASED ON A RESPONSE THAT DIDN'T EVEN HAVE ANYTHING TO DO WITH WHY I WAS DISPUTING THE CHARGES!!! THEREFORE YOU NEED TO COVER THE COST OF THE MONEY I LOST DUE TO YOUR NEGLIGENCE!!! I DIDN'T RESPOND IN TIME?!?!? I DID RESPOND, AND I PROVIDED MY CALL HISTORY TO PROVE IT. IF YOU REALLY LISTENED TO THE PHONE CALL YOU WOULD KNOW THAT WAS ME RESPONDING TO THE DISPUTE, AND THE AGENT TOLD ME TO WRITE A LETTER AND SEND IT TO YOU BY XX/XX/XXXX, WHICH I DID!!! I SHOWED PROOF OF THAT AS WELL!!! YOU LISTENED TO THE PHONE CALL FROM XX/XX/XXXX AND IT MET YOUR SERVICING STANDARDS?!?!? THAT'S FUNNY, CAUSE THAT JUST PROVES THAT YOU ACKNOWLEDGE HOW YOU TREAT YOUR CUSTOMERS LIKE XXXX  AND THOSE ARE YOUR SERVICING STANDARDS!!! BUT I DOUBT YOU LISTENED TO ANYTHING, BECAUSE IF YOU REALLY DID, YOU WOULD'VE SAID YOU LISTENED TO THE PHONE CALLS ON XX/XX/XXXX, NOT PHONE CALL. I SAID I CALLED TWICE THAT DAY, AS EVEN MY CALL LOGS I PROVIDED IN MY INITIAL COMPLAINT WITH THE CFPB SHOW. YOU ALSO NEVER SAID ANYTHING IN RESPONSE ABOUT THE PHONE CALL THAT TOOK PLACE ON XX/XX/XXXX, WHICH PROVES YOU DID HEAR FROM ME BEFORE XX/XX/XXXX, AND THAT THE AGENT TOLD ME I HAD UNTIL XX/XX/XXXX TO WRITE A LETTER AND SEND IT TO THE DISPUTES DEPARTMENT. YOU STATE ALL PHONE CALLS ARE MONITORED AND RECORDED, BUT APPARENTLY YOU ONLY USE THEM TO YOUR OWN ADVANTAGE. WHEN IT COMES TO THE CUSTOMER HAVING PROOF OF SOMETHING, YOU DON'T WANT TO PROVIDE THE PHONE RECORDS!!! I DEMAND FOR YOU TO LISTEN TO THE PHONE CALL FROM XX/XX/XXXX AND PROVIDE IT TO ME AND THE CFPB. BECAUSE NO MATTER WHAT XXXX STORY OR COMMENT YOU MAKE ABOUT IT, THE CONVERSATION WILL PROVE THAT I RESPONDED IN TIME IN ACCORDANCE WITH WHAT THE AGENT STATED TO ME. AND IF YOU REFUSE TO PROVIDE IT, THAT IN ITSELF PROVES YOU'RE NOTHING BUT NO GOOD LIARS WHO JUST REFUSE TO TAKE RESPONSIBILITY FOR YOUR ACTIONS. YOUR RESPONSE TO MY CFPB COMPLAINT SHOWS YOU PURPOSELY DISREGARDED EVERYTHING I SAID BECAUSE YOU DON'T WANT TO ADMIT YOU MISHANDLED MY COMPLAINT BECAUSE THAT WOULD MEAN YOU'D HAVE TO CREDIT MY ACCOUNT FROM YOUR OWN POCKETS. AND IF YOU DO NOT PROVIDE THE PHONE CALL AND CREDIT MY ACCOUNT APPROPRIATELY, I WILL SUE YOU IN COURT FOR THE FUNDS...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XXXX, I contact JPMC concerning a balance that they contacted me about and that I had not idea was owed. It is for my Amazon credit card. I did place an order for {$40.00} bottle of XXXX XXXX. I had been using Amazon 's Bonus Credits in dollar amounts and when I did not receive a bill and when I showed a XXXX balance on my Amazon account, I assumed the purchase was covered under their bonus credits in dollar amounts. I received a call from JPMC in early XXXX and thought it was spam. I purchased a home and a past due ( 2 months ) report from them appeared on my credit report. I contact JPMC and after waiting on hold for over 2 hours and being transferred to multiple departments, it was explained that I owed almost {$200.00} for the {$40.00} purchase as the bill had not been paid. I had not received a bill in the mail or an email ( which Amazon had both on file ). When finally being transferred to a department who could assist, I explained my situation. The rep advised they had returned mail as it had been mailed to my physical address and not my mailing address. Again, they had all of my correct information. I was able to negotiate the amount to {$160.00} and was prepared to pay the balance to get the late payments removed from my credit report. Unfriendly and unprofessional assistance. Refused to remove charges and refused to provide receipt for payment. Advised I would have to call back and go through the entire process again to request a copy of the receipt in 72 hours. This is a ludicrous way to conduct business and after the rep updated my mailing address, a supervisor advised they had not had any returned mail. Again, ludicrous. I am disputing all charges above and beyond the {$40.00} charge. Would you please assist in getting this resolved? I appreciate your help! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX PS I received a bill from JPMC on XX/XX/21 for an even higher amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One allowed fraudulent cash advances occur without Pin from a stolen credit card. Without flagging the transactions. I reported the transactions and locked the card immediately. I called this merchants phone number. They told me this was a cash advance without pin that was signed and they faxed me the signature which isnt my signature. Yet Capital one sent me a letter stating no indication of Fraud? I never authorized this transaction on the stolen card. The letter states they had information which leads them to believe I benefited from the STOLEN CARD TRANSACTION. In another state. Not to mention I was never sent a fraud alert text to confirm this transaction because capital one never flagged it. This is fraud, and going against their zero liability policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I would like all the auto inquires removed from all 3 credit reports< of course I didn't know that they shop your info out to other places without you knowing unless you have been through this before at some point in your life. Long story short I have way too many inquires on my file and they are mainly due to other companies handing out my information that I was unaware of t the time. 
The new me cares about my credit score and report and I take it very seriously. This is hurting my score and stopping me from getting access to a lot of things. Please fix this issue or have them fix it. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This complaint is about an unfair debt collection and credit reporting from XXXX. On XX/XX/XXXX, I submitted to XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, XXXX Ohio XXXX a signed and dated letter with my intent to move out effective XX/XX/XXXX, as suggested to me by their rental office manager ( XXXX ) when I asked about the proper move out procedure I needed to follow since at the time the lease expired over a year prior. I did move out before XX/XX/XXXX as the co-occupant also co-signer on the expired original leasing contract opted to continue to reside at the rental property on a month-to-month basis for another year before moving out. 
While reviewing my credit report for the first time in a while in XXXX of XXXX, I noticed a collection account I had never seen before for an alleged debt in the amount of {$300.00} being collected on by XXXX collection agency. 
Upon my immediate request to XXXX for a validation of the alleged debt in collection also listed on my credit report, I received the attached letter from XXXX dated XX/XX/XXXX. Along with this letter XXXX provided the attached SECURITY DEPOSIT OR STATEMENT SUMMARY document from the original creditor, XXXX XXXX XXXX, XXXX listing a breakdown of an alleged debt in the amount of {$300.00}. This document provided to me by XXXX as proof of the alleged debt from the original creditor also listed my name associated with a mailing address of XXXX XXXX XXXX XXXX, Ohio XXXX. I have never used or seen this address, and it does not belong to me. This has never been my mailing address so if collection notices were sent to this address, I would never have received them. 
The reporting of this debt on my credit report in XXXX of XXXX was done without the XXXX collection agency notifying me of the alleged debt, and of my right to dispute it in accordance with the Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I have disputed this alleged debt with Experian in XXXX of XXXX and XXXX of XXXX specifically noting the wrong address associated with my name on the SECURITY DEPOSIT OR STATEMENT SUMMARY document from the original creditor, XXXX XXXX XXXX, XXXX listing a breakdown of an alleged debt provided to me by XXXX as verification of the alleged debt.

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 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Synovus Bank
State: GA

Complaint narrative:
My identity was stolen and is found weekly on the dark web. also, my identity was used to try and claim unemployment in multiple atates. also, my checkimg accounta were frauded and money was stolen with my debit and credit card numbers. my wallet with social security numbers and card, ID, and cell phone was stolen with my tax id numbers. synovis bank ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  dept of labor, and XXXX  dept of labor was frauded. also mail theft and email with my XXXX XXXX were hacked and compromised. my XXXX  email was hacked. i suspect XXXX XXXX and XXXX XXXX were reposible for this. please contct me woth any questions. 

sincerly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
EQUIFAX Is Harassing Me. All Of A Sudden, They Sent ( I Sent Copies Of Everything To You ) Me A Letter. The Letter Stated That They Needed Copies Of My : Driver 's license, Social Security Number, Proof That I Lived At My Current Address, For Over 2 Years Etc. I Also Sent Them Copies, Of The PAID IN FULL Credit Card Accounts. ( XXXX-Card Was {$2000.00}, XXXX XXXX Credit Card Was {$17.00}. Both Paid Off, About A Month Ago. I Also Paid {$1000.00} To My XXXX XXXX XXXX. EQUIFAX Discriminated Against Me, For Knowingly That These Credit Cards Were Paid Off, But They Didn't Show It On My Credit Report, Purposely. Why Were They Able To Show Negative Information, For The Past Month, Without Requesting All Of This Identity Scam. They Know Who I Am And Where And How Long, I've Lived Here. They Just Want To Give Me A Hard Time. This Is Not The First Time, That They Weren't Able To Keep My Credit Score Accurate. I Also Sent Copies Of The Credit Carrds And My TD Personal Loan PAID Statements. The Two Other Credit Bureaus, Don't Have Any Problems, With Keeping My Credid Report Accurate. Proof Of My Credit Card Accounts Being Paid Off, Should All They Need To Correct My Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I received a phone call from professional bureau of collections of Maryland. The representative started the conversation stating at I owe a debt. I advised the representative I was sick and this was not the best time to speak. The rep continued to harass me about the debt. I advised the rep she was violating my rights as a consumer and she continued. I again advised the rep she was violating my rights as a consumer by continuing the conversation while I was in distress I advised the rep I was becoming very ill while speaking with her and that she was adding to my stress level by repeatedly asking me was I going to take care of the debt or not. The call was very unprofessional and it was a inconvenience to me. This harassment was unacceptable and someone needs to take action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: DE

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. 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 have done many attempts to reach out to the Equifax Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:07/01/2018 Balance : {$190.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$92.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$91.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$850.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$99.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$91.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$58.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$92.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$55.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The agency involve is equifax After having disputed it on 2 occasions, the Equifax credit agency has not solved my situation around the inaccuracy that my credit report shows, here I send irrefutable evidence that shows the errors and the times and tried to solve this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: SC

Complaint narrative:
The date the account was supposedly open was XX/XX/2020, amount owed to this company is {$1400.00}. I never open an account with this company, I don't do pay day loans and never gave anyone my permission or personal information over the phone or computer to get money. I realized that this company was saying I owed them when I was checking my credit and I know I don't owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC
State: VA

Complaint narrative:
I have been attempting to close on a deed in lieu agreement with the mortgage lender on my home for over 6 months and I have been getting the run around about why it has been delayed on various occasions. My husband passed away and the home needed too much repair for me to sale it and pay off the mortgage so I applied for deed in lieu and over and over again I am being told that there's an issue with title on their end. They're saying that title was not cleared correctly when the loan changed hands to a different servicer. They will not provide a timeframe and have it's so difficult getting additional updates from them and the file has been escalated to management a number of times, supposedly. My husband is gone and I am not living in the home any longer and I just want this to be done. I need help getting someone to step in and finish this out.

Company response to consumer: Closed with explanation