vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
Car Mart XXXX XXXX  Texas violated several laws. Repo ( in house associate ) called after the fact to gloat and brag that the vehicle had been taken. Using vulgar language and aggressive behavior! Left me stranded in Oklahoma XXXX  miles away from my house, in a closed parking garage- did not tell the local authorities and proceed to call me 8 times before I picked up. This situation left me scared and fearful. Not knowing if the psycho was near by. Now I contacted the dealership and now know why that associate acted this way. All associates at this location need a good training lesson in customer service and type of laws that go with a Repo. Would not allow me to get my belongings except on their terms and are not willing to get the items when I was available to claim them. Claimed to press charges against me for making the building scared of phone calls tying to understand why they did this over {$94.00} and to get my property out of the car. Police officers called me and were cool and understanding and said I was a laid back guy with a clean record and that I can reach out for them to escort to the dealership and claim my stuff ... ... but car mart only said I can get it XX/XX/2021 @ XXXX XXXX  - I have sent an email saying I need to reschedule to a weekend and they will not work with me!! Breaking the law yet again wow!! 
Btw got a letter XX/XX/2021 saying I need to contact them to resolve the issue. This was sent XX/XX/2021 - they repoed the car XX/XX/2021 - wow gave me less than a day - but didnt even get the letter until the XXXX - no previous letter or communication has been done in regards to this matter. And i only owed XXXX or so. I have everything needed in regards to the mentioned statements above, phone numbers and documentation. Looking for my rights to be acknowledged and for car mart to apologize for the overall XXXX poor business ethics. Not wanting the car and would like to move on but ... ... .since they did break the law I must pursue and in the meantime contact every business bureau so other customers will not do business with them anymore!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Forest Recovery Services LLC
State: FL

Complaint narrative:
On XX/XX/2020 I made contact with Forest Recovery LLC, about a debt that says I owe them {$3300.00}. In my letter I ask them to validate the debt they are saying I owe them and they couldn't. Ive given them enough time to respond and I am at the point where I'm about to take legal action against them for misuse of credit reporting as well as, a violation of the 4th amendment, violation of HIPPA. According to FCRA you are not to report a debt unless it has been validated and they could not validate them debt being reported on my account. I am giving 15 days to remove this invalidated debt from my credit report or I will file charges against them per my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
There isn't enough information that is included in the statement received by Phoenix Financial Services to pin this alleged debt to my consumer reports. On XXXX XXXX, a statement of {$630.00} was sent to my address with an offer of {$250.00} to settle the alleged debt. I have reached out to the company via certified mail and am waiting on a response to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US BANK has been reporting an account against my SSN # for almost 7 years. This account does not belong to me. For almost 7 years i have been disputing this account, i have never applied, used or had knowledge of this account. I have a common name and am a XXXX. I have asked for proof showing this account belonged to me. i have received nothing. 7 years i have had to deal with this account. Please have US Bank review their records and provide proof this account belonged to me or remove it from all 3 credit reporting agencies. 

Today I pulled my report and now the amounts are all different. 
The original limit is reported as XXXX, the amount written off was {$980.00} and as of today shows past due {$1300.00}. Also shows status last updated on XX/XX/XXXX and balance updated XXXX. Clearly there is an error I asked you to close this account in XXXX because it was not mine and I had no idea who this account belonged to. The credit card company continued to keep this file open because i did not have the password.

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 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I checked my credit history with Transunion and noticed it have inquiries that wasnt authorized by me. I called customer service and they would not help and take care of the negative inquiries reporting to 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 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
Phoenix Financial Services sent a letter to collect debt. Explained to them I have XXXX XXXX to cover the debt. The told me that the hospital didnt have to file insurance and that they can as a courtesy. Asked for the to send the original bill and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I financed a car with XXXX XXXX  for {$28000.00}, All payments were made on time. Car had XXXX XXXX XXXX and XXXX XXXX  was co-insured on the policy. Car was totalled on XX/XX/XXXX. XXXX XXXX advised XXXX that the insurance was in force and XXXX sent the case to their total loss unit. Because of Covid-19 all of the XXXX and XXXX XXXX people were working from home or part time and it took a few months for XXXX XXXX to issue payoff check to XXXX. On XX/XX/XXXX XXXX XXXX filed a chapter XXXX business bankruptcy. On the filing lawyers for XXXX immediately file a proof of claim even though XXXX had already agreed to have loan paid by XXXX XXXX as a total loss. In XX/XX/XXXX the XXXX remaining balance was paid in full by XXXX XXXX. In XX/XX/XXXX XXXX withdrew their claim. The bankruptcy was voluntarily dismissed-no creditors claims were discharged. the Credit report continues to show " involved in Bankruptcy '' even though bankruptcy was dismissed without any order of relief or adjudication. 15 USCS sec 1681c bars disclosure of a bankruptcy case except from date of entry of order of relief or adjudication. the XXXX XXXX, TransUnion XXXX report is false in that it claims the " account included in a chapter XXXX consumer bankruptcy. " This is a false statement for 2 reasons ( 1 ) before the bankruptcy XXXX XXXX had already agreed to pay XXXX the claim as a total loss, which was legal and binding because XXXX was an additional insured and therefore a direct beneficiary of the XXXX XXXX insurance, and ( 2 ) no report of a bankruptcy case is allowed that is dismissed because there is no start date possible for the ten year reporting period because dismissal means you can not have either an order of relief or an adjudication.

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 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I financed a car with Toyota finance for {$28000.00}, All payments were made on time. Car had XXXX XXXX XXXX and Toyota finance was co-insured on the policy. Car was totalled on XX/XX/XXXX. XXXX XXXX advised Toyota that the insurance was in force and Toyota sent the case to their total loss unit. Because of Covid-19 all of the toyota and XXXX XXXX people were working from home or part time and it took a few months for XXXX XXXX to issue payoff check to Toyota. On XX/XX/XXXX XXXX XXXX filed a chapter XXXX business bankruptcy. On the filing lawyers for toyota immediately file a proof of claim even though Toyota had already agreed to have loan paid by XXXX XXXX as a total loss. In XX/XX/XXXX the Toyota remaining balance was paid in full by XXXX XXXX. In XX/XX/XXXX Toyota withdrew their claim. The bankruptcy was voluntarily dismissed-no creditors claims were discharged. the Credit report continues to show " involved in Bankruptcy '' even though bankruptcy was dismissed without any order of relief or adjudication. 15 USCS sec 1681c bars disclosure of a bankruptcy case except from date of entry of order of relief or adjudication. the Toyota XXXX, XXXX XXXX report is false in that it claims the " account included in a chapter XXXX consumer bankruptcy. " This is a false statement for 2 reasons ( 1 ) before the bankruptcy XXXX XXXX had already agreed to pay Toyota the claim as a total loss, which was legal and binding because Toyota was an additional insured and therefore a direct beneficiary of the State farm insurance, and ( 2 ) no report of a bankruptcy case is allowed that is dismissed because there is no start date possible for the ten year reporting period because dismissal means you can not have either an order of relief or an adjudication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Sirs CFPB, I appreciate your support on the recent Credit Score Report # XXXX issued by XXXX on XX/XX/2021 requested by Bank of America on XX/XX/2021 as result of an application for credit made by myself to this Bank. 

The request was NOT APPROVED since as per XXXX  Report # XXXX states " SERIOUS DELINQUENCY '' related to a CREDIT CARD account # XXXX, which showed a due payment of 30, 60 and 90 days. I contacted Bank of America Credit Department and they were not able to confirm this information because this was not available in its system. 

I set a dispute to XXXX for the Credit Report based on that Bank of America was unable to confirm this information to me and XXXX send a Dispute Result Report # XXXX Investigation ID # XXXX dated in XX/XX/2021 stating as " REMAINS '' the potential negative item withthe following comment : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' My concern is that Bank of America was able to confirm the information to XXXX but it was not to me. 

I highly appreciate your support since this situation it is hurting my access to better credit Conditions

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 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I contacted XXXX XXXX XXXX/Duvera Billing via phone and email to dispute a fraudulent account listed on my credit report. I provided their company my FTC Identity Theft Report and Police Report along with my dispute. Within 3 hours of sending the email I received what seems to be a generic/templated response stating they have completed their investigation and did not find sufficient evidence to classify the account as Identity theft. I called to speak with a manager to request the details of their investigation and was told the only way to communicate with the fraud team is via email and that based on the email response I received they are not willing to remove this fraudulent account despite me providing all of the required Identity theft documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Autovest, L.L.C.
State: CA

Complaint narrative:
In XX/XX/XXXX a car I was making monthly payments on was repossessed after I lost my job and was unable to keep up with payments. I do not know what happened to the car after getting repossessed. On the XX/XX/XXXX, XXXX Autovest LLC purchased my debt to XXXX XXXX XXXX Their contract shows no amount. I was never aware that Autovest LLC did this until I was served a summons on XX/XX/XXXX. I have been living in the same address as the one they sent my summons to since XXXX and I never once received a written document showing me they ( Autovest ) had purchased my debt and never received a written document to settle this debt. Instead they are suing me for {$2900.00}. An amount they say I owed the original lender XXXX XXXX XXXX ( the company they bought my debt from ) In an attempt to determine the deficiency balance I may owe I contacted XXXX they told me I owed {$2800.00} at the time the car had gotten repossessed in XXXX. They did not tell me if the car was resold. All they told me was the debt was sold to Autovest LLC. They also could not tell me how much Autovest LLC purchased the debt for and that I can get that by calling Autovest directly which I ended up doing. But when talking to Autovest they still would not tell me how much they bought the debt for and told me to contact their lawyer to get more info and then hung up on 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 explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: NY

Complaint narrative:
Hello, I received a letter from GB Collects on Monday, XX/XX/XXXX stating I owed {$28.00} to XXXX New Jersey HMO, my health insurance provider until the end of XXXX. During that time period, I was on autopay and never missed a payment. I called GB Collects on Tuesday, XX/XX/XXXX and spoke with XXXX XXXX asking for clarification and proof of the debt. He wasn't sure what the debt was for and said " it might be for a prorated month in XXXX '' which is not possible because I canceled my insurance plan and switched to a different provider well before the marketplace deadline when I moved out of state. I even received a $ XXXX reimbursement from XXXX XXXX XX/XX/XXXX for collecting too much from me when I was still a member. XXXX said he would send me a copy of the proof via email but he never contacted me about it. 

I had not heard from XXXX again until receiving a letter sent to my old address on Wednesday, XX/XX/XXXX stating " After repeated requests, we have not heard from you regarding the above delinquent balance of {$28.00} owed to our client, XXXX New Jersey HMO ( R ). Due to your lack of payment, we are forced to proceed with further collection activity. In order to resolve this seriously delinquent issue, you must remit payment in full of {$28.00} immediately. '' Signed - XXXX XXXX. 

This company is demanding payment without providing proof of claim, which would not exist since all of my XXXX transactions were direct auto-pay. 

Company information : GB Collects XXXX XXXX XXXX XXXX XXXX, NJ XXXX Recovery Agent : XXXX XXXX Extension : XXXX Acct # : XXXX File # : XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Integrated Asset Recovery LLC
State: IL

Complaint narrative:
PORTFOLIO RECOVERY AGENCY HARASSES ME WITH NONSTOP CALLS

Company response to consumer: Untimely response
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express is illegally checking my credit without my consent. I do NOT have an account with American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: TX

Complaint narrative:
Loan company used other loan companies to collect debt in their name. Falsified birthday and current address. Loan rate is 780 %. Fraudulent activity for my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: IL

Complaint narrative:
I have been disputing bankruptcies that XXXX  has been reporting on my consumer credit report since XX/XX/2020. I have sent them multiple letters disputing the alleged bankruptcies explaining why the item that they are reporting must be deleted from my consumer credit report. Each time they send me correspondence stating the item was verified-certified. No information on how the information was certified or verified. However, after reviewing my XXXX  Credit report, I discovered that XXXX used a third-party data company. On XX/XX/2020, I sent XXXX  another certified dispute letter with supporting documentation. I received another letter from XXXX  stating that after their investigation, that it is verified-certified the item belongs to me. I have submitted a CFPB complaint on this item as well as others. In every letter, I have sent to them I have included a copy of my state driver 's license and a copy of my social security card. After receiving the response from XXXX  in regard, I sent another letter requesting the items be deleted and enclosed a copy of my social security card, ID with my name and correct address as proof of my identity. I received correspondence from XXXX  stating that once again the disputed item was verified-certified. I am convinced at this time, that either they are not conducting their investigation under the laws and guidelines set forth by the Fair Credit Reporting Act ( FCRA ) or they are blowing me off. Whichever it may be they are violating my rights under the laws of the FCRA and are knowingly reporting inaccurate information and participating in unethical reporting practices.

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 2021-02-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been disputing bankruptcies that XXXX  has been reporting on my consumer credit report since XX/XX/2020. I have sent them multiple letters disputing the alleged bankruptcies explaining why the item that they are reporting must be deleted from my consumer credit report. Each time they send me correspondence stating the item was verified-certified. No information on how the information was certified or verified. However, after reviewing my XXXX Credit report, I discovered that XXXX  used a third-party data company. On XX/XX/2020, I sent XXXX another certified dispute letter with supporting documentation. I received another letter from XXXX  stating that after their investigation, that it is verified-certified the item belongs to me. I have submitted a CFPB complaint on this item as well as others. In every letter, I have sent to them I have included a copy of my state driver 's license and a copy of my social security card. After receiving the response from XXXX  in regard, I sent another letter requesting the items be deleted and enclosed a copy of my social security card, ID with my name and correct address as proof of my identity. I received correspondence from XXXX  stating that once again the disputed item was verified-certified. I am convinced at this time, that either they are not conducting their investigation under the laws and guidelines set forth by the Fair Credit Reporting Act ( FCRA ) or they are blowing me off. Whichever it may be they are violating my rights under the laws of the FCRA and are knowingly reporting inaccurate information and participating in unethical reporting practices.

Company response to consumer: Closed with explanation