vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I checked my credit score months ago and saw Amsher collections and reported it on XXXX. And attach an online police report. Now I checked my credit report and it says Amsher collection Serv for XXXX has an amount of {$2300.00} in collections. Would like to report identity theft because I do not recognize this transaction. ( XX/XX/23 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My lost debit card was found by someone and they spent {$440.00}. Reported to Bank XXXX immediately XXXX XXXX. Within a week gave money back but then decided to deny two different claims I made, including letter I faxed to claims resolutions. Then took money back out of my account on XXXX XXXX. The letter said I gave permission for someone to use my card. I guess they decided I lied. I've been a customer for years and never made a claim. 
I'm XXXX XXXX XXXX and have no desire to lie about XXXX, which is alot of money to me. 
No one ever called me regarding this matter, just two denial letters. 
Bank of America just really didn't care, my problem not theirs. Maybe if I had big bucks they'd care.

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 2023-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Volvo Car Financial Services U.S., LLC
State: GA

Complaint narrative:
I am lodging this formal complaint against Volvo Car Financial Services, related to an unjust credit report dispute connected to my account ( number XXXX ). 

Despite having an impeccable payment history with Volvo, I am now facing a damaging mark on my credit report. This stems from a disposition fee of {$350.00} that I promptly paid via check in May this year upon receipt of a requested invoice from Volvo. Regrettably, it appears that this check may have been lost in their third-party payment processing center, and my attempts to resolve the issue have not been successful.

In the absence of clear communication and documentation, including the lack of a contract copy at signing, I initially found the fee surprising and suspicious. My online account, which was closed soon after my subscription ended, showed a " paid in full '' status upon the car 's return, with no indication of additional charges.

In the aftermath of my completed subscription with Volvo, I did receive several phone calls regarding this disposition fee under the Care by Volvo program. However, due to the high frequency of daily scam calls regarding the vehicle, I requested either an email from an official Volvo address or a mailed invoice to confirm the legitimacy of the charges.

I have urged Volvo to launch an investigation, specifically asking them to reach out to their payment processing center to locate the lost check. I have also offered to provide a carbon copy duplicate from my checkbook and bank statements as proof of the missing check. To this date, Volvo has not resolved this issue, and the charge-off remains on my credit report.

This situation has underscored the need for personal record-keeping, and I have requested copies of all statements, invoices, and correspondence related to my Volvo Financial account. I am disheartened that this issue persists despite my efforts to resolve it promptly and am concerned about its impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Between XXXX and XXXX XXXXXXXX XXXX  took money from my XXXX XXXX XXXX credit card account. I informed XXXX that I did not authorize this transfer of money! They did any way So I closed he account in June over 7 Years ago! 
The account is still on my cred report! of XXXX.

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 2023-07-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Between XXXX and XXXX XXXXXXXX XXXX took money from my XXXX XXXX XXXX credit card account. I informed XXXX that I did not authorize this transfer of money! They did any way So I closed he account in XXXX over 7 Years ago! 
The account is still on my cred report! of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
This issue is in regard to PHH mortgage services not releasing funds associated with a water loss at my home. I requested a home inspection on XXXX which was completed on XXXX. The results of this inspection should have posted 3 business days later on XXXX but have not posted as of XXXX. After 15 phone calls to the mortgage company I was contacted by another inspection company which completed the virtual inspection on XXXX. This is more than 30 days after the request ofr an inspection. During those 15 phone calls I was given any number of excuses and promises that were not kept. The promises included ; I'll call you you back with an answer by x time on X date ; I'll submitb a request to upper management to ..... 
fill in the blank because it never happened. 
The slower the company pays out funds the more they can control them for their own use such investment, etc. If I were late in paying my mortgage payment I would be contacted by the company, have an additional charge be added to my payment in the form of a late fee as well as having a negative comment on my credit report. 
This issue may be resolved within the next week but they have not proventhemselves capable of anything but delaying payment to me. They should also be subject to the same penalties that I would face with a late payment in the form of some type of monetary penalty. Without some form of monetary penalty these problems will just contimnue.

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 2023-07-17 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: TX

Complaint narrative:
I had a car accident on XX/XX/XXXX where I hydroplaned. No other car was involved. The car was taken to an impound lot by the XXXX police. Within the hour, I filed a claim the same day with my insurance, XXXX of which I had full coverage. The car was totaled and undrivable. Capital One Auto was the lien holder to which I was current and ahead on my loan payments through XXXX of XXXX. 

The car remained in impound for 3 weeks and we contacted Capitol One to make sure they knew it was under an insurance claim. On XX/XX/XXXX, I received a letter from Capital One stating I had unpaid fees which were impound fees and repossession fees due to the fact insurance never picked up the car nor looked at it. I called that day and was told to have insurance contact them which I did. However, Capitol One did not hold the car for insurance. They picked up the car out of the impound and charged me with impound and repossession fees and SOLD the car for scrap. Again, my car payment was ahead and up to date. During this time, XXXX said they would take care of the fees, look at the car, etc. But every time we called Capital One we were transferred at least 3 times to different departments as no one could give us an answer as to why they were selling the car, even though it was under an insurance claim. In XXXX XXXX my credit report took a hit. Capital One placed a Repo and Charge off on my credit report causing it to drop over 100 points. Since the car was totaled, I had to get a new car but was unable to finance a new one since my credit had taken such a huge hit and had a repossession on it which is still there. I have not been able to finance a car, and this has place a huge burden on me and my family as they have had to be the ones to help with a new car. 

You will see from the attached document on XX/XX/XXXX, that it states, I had no unpaid late fees or past due payments. And then, in XXXX they send me a letter to tell me how stressful losing a car can be and to work with my insurance company. What a joke - 4 months later. 

Finally, after 4 months, at the end of XXXX, XXXX paid out the claim and fees owed on to Capital One. We have disputed the credit report with Capital One and they are refusing to take this Repo off my credit and stating it is accurate. I am still not able to finance a car as the creditors see that and think I wasnt responsible for my car payments, even though again, I was current and ahead on my loan payments. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-07-17 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: TX

Complaint narrative:
XXXX a creditor on my credit report showed a 30 day and 90 day payment on my report. I filed a dispute because I have an email from extra showing that they submitted the correction back onXX/XX/XXXXXX/XX/XXXX Experian claims to have done an investigation and validated the late payments, however I have recent emails from extra saying that they were never contacted and that they resubmitted the correction. Experian did not do a through investigation because the original creditor was never contacted. I have attached a copy of the original email from the creditor on XXXX of last year, the recent emails. 

Creditor : XXXX Account XXXX : XXXX Report says i am a 30 a 60 and a 90 day late payment when I have not had any missed payments. THey are corrected my XXXX however not my experian. Please see attached

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 2023-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
This was through Cash app someone hacked my account and took {$100.00} out of my account l.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Account number # XXXX Southwest Credit System XX/XX/2023 Certified Mail XX/XX/2023 This debt was settle as agreed by the letter I mail to them Certified Mail that upon acceptance of the said debt that it would be removed upon acceptance of payment agreed upon All three credit bureaus being XXXX, XXXX, XXXX would be removed upon agreement and acceptance of upon agreement There has been poor communication and tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: DE

Complaint narrative:
I have mailed multiple letters dating back to XX/XX/2022 to all 3 credit bureaus disputing inaccurate and impermissible accounts being furnished on my consumer report. My disputes are not being properly investigated and after numerous attempts, I have not got any results. These accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) are violating my rights as a consumer according to the FCRA Sections 603 ( 2 ) Exclusions, 604 ( a ) 2 Permissible purposes and 623 Responsibility of furnishers. I havent been provided with any documentation to support that information is accurate or the method that was used to verify ( FCRA Sec 607 ). Theres also multiple accounts ( XXXX, XXXX XXXX ) that violates Section 807 11 of the FDCPA, and FCRA Section 609.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: DE

Complaint narrative:
I have mailed multiple letters dating back to XX/XX/2022 to all 3 credit bureaus disputing inaccurate and impermissible accounts being furnished on my consumer report. My disputes are not being properly investigated and after numerous attempts, I have not got any results. These accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) are violating my rights as a consumer according to the FCRA Sections 603 ( 2 ) Exclusions, 604 ( a ) 2 Permissible purposes and 623 Responsibility of furnishers. I havent been provided with any documentation to support that information is accurate or the method that was used to verify ( FCRA Sec 607 ). Theres also multiple accounts ( XXXX, XXXX XXXX ) that violates Section 807 11 of the FDCPA, and FCRA Section 609.

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 2023-07-17 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: Incomm Holdings Inc.
State: ID

Complaint narrative:
In XX/XX/XXXX my children each received a {$100.00} gift card via USPS mail from their aunt ( who resides in another state ). She purchased both gift cards at a XXXX store. On XX/XX/XXXX I assisted one of my children as they attempted to use their gift card to make a purchase. The card was declined. Upon researching the card 's transaction history I learned that the card was already used to make a purchase on XX/XX/XXXX in another state. I checked my other child 's gift card history and learned that it, too, was used in the same manner. 

On XX/XX/XXXX I called InComm Financial Services ( XXXX ) as that company represented the card 's issuer, XXXX, XXXX. I made XXXX fraud reports for the cards ' usage. I was issued case numbers XXXX and XXXX. I was provided the email address XXXXXXXX  to follow up on the cases. 

On XX/XX/XXXX I emailed inComm at the email address I was provided to get an update. I received no response. 

On XX/XX/XXXX I called InComm at their toll free number to get an update. I was informed that the cases had been closed out. I requested to be sent documentation about my investigation but was told that due to the length of time since I reported the fraud I would not be provided with anything. 

It was only after going through the process of filing fraud reports with InComm that I learned of the rampant fraud that occurs with gift cards sold in stores. The cards are not placed in tamper-proof packaging by the manufacturer and the stores do not place them behind counters. This enables thieves to steal the gift cards, open the packaging to obtain the card 's numbers, and then return them to the store. Unsuspecting customers then purchase the cards. The thieves subsequently use the numbers on the cards which they previously wrote down and spend the money themselves. These companies and store are aware of this problem. They have done XXXX to protect consumers. They are content to collect the money regardless of how it was acquired. I feel that the credit card company and XXXX are both liable for this rampant form of theft and feel as though they should be required to reimburse each customer who was victimized by this type of theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: TX

Complaint narrative:
I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from XXXX as mine but I haven't received any information regarding this or had the right to dispute. Please supply the information below so that I can be fully informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: EQUIFAX, INC.
State: PR

Complaint narrative:
My Bankruptcy case was filed on XX/XX/2017 and is still showing on my credit reports on all 3 Bureaus. I have attached the bankruptcy papers. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
My Bankruptcy case was filed on XX/XX/2017 and is still showing on my credit reports on all 3 Bureaus. I have attached the bankruptcy papers.

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 2023-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I received a letter from Harris & Harris , Ltd. alleging that I owe them money for a medical debt. I do not owe Harris & Harris , Ltd. anything. I've never received medical care or agreed to pay them for any medical care. The creditor they've listed on the obscene letter I received, I don't have any past due balance with. So, I'm not sure when or why they have come to this conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation