vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I received a letter in regards to a consumer auto transaction dating back to XX/XX/2021. In the letter it states what was in the retail installment sale contract and how much the remaining balance was of the open charged off account. Many of my consumer rights are being violated in this contract and the information is completely wrong. This debt is completely alleged ; the name of the person on the contract is not mine. My first name is XXXX, not XXXX and the address is not where I live. According to 15 USC 1692e ( 2 ), a debt collector may not use false or misleading representation to collect a debt. Chrysler Capital are trying to collect on a debt that is not mine. This is identity theft and identity theft is also a violation of my consumer rights. The finance charge in a contract is the sum of all charges, pursuant to 15 USC 1605 so how could someone owe anything if the credit extended was theirs? As long as the contract was signed the credit was extended. As a signer or co-signer, the person who extends credit is the original creditor. The original creditor is the natural person. Chrysler Capital is using chicanery to collect on an account by all means. I would like this situation to be handled immediately because my livelihood is being destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: SC

Complaint narrative:
Bank / Credit Card Inquiry DISCOVER FINANCIAL SERVICES got a copy of your XXXX  Credit Report. 
DISCOVER FINANCIAL SERVICES made a Bank / Credit Card Inquiry by checking your XXXX  Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : XXXX Company : DISCOVER FINANCIAL SERVICES Address : XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX  ) XXXX-XXXX  Alert received today and states it will be on my report till 2023, But I did not make an application for credit to them. My financial information was compromised in the past and this is but another attempt. 
NOT MINE - Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: IL

Complaint narrative:
It is showing a debt owed for XXXX on all credit bureaus. I have no idea what this is and what your method of verification was. I did not receive any written documentation or phone calls regarding this matter. I have no idea who this creditor is and I have never did business with them. Please delete this from my report. Also, what was your method of verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: NY

Complaint narrative:
First Advantage company had performed a background check on behalf on my employer " XXXX ''. They reported that I had worked for an employer by the name " XXXX XXXX XXXX ''. From the period of XX/XX/XXXX till XX/XX/XXXX. I am writing to inform that I have never worked for such employer and I am sure that this is a ID theft case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
When Covid-19 started I ended up being out of work for 6 months. We kept paying the full amount of our mortgage ( $ XXXX/month ). Once it got to the point we couldn't pay our mortgage ( 3 months later ) we were put into forbearance for our mortgage. I wasn't able to pay mortgage for 3 months but once I started working again we immediately called and told M & T Bank that we will be able to start paying our mortgage again. M & T Bank told my wife that we would only have to pay {$1300.00} since we could start paying. We told M & T that I work overseas a lot therefore my wife has a General POA to handle anything that comes up. That means banking, car issues, mortgage, and our kids. For the past 6 months mybwife has been calling M & T to pay our mortgage and they have been taking {$1300.00}. Just within the last month we have been informed that the POA isn't acceptable and we are XXXX behind in payments. I understand the 3 months we couldn't pay. The XXXX is apparently the rest of the original mortgage payment that M & T has not been pulling from my account every time we have payed and I'm guessing late fees. 
I have tried to work with M & T to get the exact wording for the POA but M & T refuses to give me the wording. When I ask for a letter explaining why they decided to only pull out {$1300.00} for my mortgage payment instead of the original amount I am told to refer to my statement for answers which doesn't address my request at all. The behind payments are because of faulty information that M & T has been using and since I have been paying the asked for amount ( automatically withdraw from my account BY M & T ) there has been no breach or lack of payment as M & T wants to portray.

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 monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: FL

Complaint narrative:
The dates indicated we did not live at an address that required an electric bill and XXXX XXXX XXXX XXXX XXXX was vacated on XX/XX/2020. Even if it was from that address it's impossible for {$1500.00} to be owed for a small apartment. This needs to be clarified and corrected.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX took out leased vehicle from XXXX XXXX XXXX in NJ, financed thru XXXX XXXX ( aka Santander Bank ). my monthly payments were XXXX from my Bank. XX/XX/XXXX had to file Chapter XXXX since Pandemic caused my Bank to close for a few weeks, was not able to pay bills, except by phone which was done for XXXX XXXX, even thru thr XXXX XXXX <NO PAYMENTS WERE EVER MISSED,, All payments to date have been on time, Had signed a reaformation with them. They have deceided NOT TO REPORT my credit payments to any agency. I have called them repeatedly, get some XXXX with an attitude, tough luck we are not going to report to credit agencys, XXXX credit was sent a dispute, never answered, just sugest takinh there Boost service @ {$19.00} per month. Only XXXX has my score low, since I wont take Boost service, XXXX XXXX XXXX have my scores in the mid XXXX, buut dont show XXXX XXXX , only XXXX shows my XXXX XXXX XXXX. My lease Expires in XX/XX/XXXX, this will have been my XXXX lease with XXXX XXXX. Yes I have complaned tothem, but told itd a Bank issue, Santander Bank will not help in any way its a seperate entenity not controled by the Bank. The dealer was informed & could do nothing, was told by dealer get a Lawyer, unfortunately my layer has pass away due to Covid dont know where to go from here

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I started the application process through Best Buy Citibank online but did not finish or submit the application. When I arrived at the page that requested my authorization to submit the application and give Citibank permission to pull my credit I decided that I did not want to go through with the process and have the hard inquiry on my account. I did not check the boxes for authorization or click the submit button. Instead I closed the browser tab and left to do something else. 

A week later I received a letter stating that my application was being denied due to an inability to verify my address. Which is odd since I pay for the pro version of XXXX and can verify that the address for the home that I own and occupy is present on the reports for all three agencies. 

So...

1. I never gave consent for my credit to be accessed or officially submitted an application.

2. They continued without my consent or submission and pulled my credit info.

3. Their employee responsible for ID verification didn't even do their job correctly.

4. When I called in to ask about it they put me on hold without telling me what was going on and immediately started trying to process the application again without my permission. 

This is absolutely not acceptable. I doubt that I'm the first person they've done this to. It seems like their goal is just to push everything as quickly as possible without telling you what is going on. Very shady tactics.

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 2021-09-22 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: FL

Complaint narrative:
This credit bureau violated my consumer rights under 15 usc 1681b ( a ) ( 2 ) '' no permissible purpose or no written instruction '' I never gave any permission to report such unverifiable and inaccurate accounts. all the disputed accounts are drafted on my letters. I want them to be removed immediately. They failed to delete these after several letters i have sent to them. They failed to verify and update my report the correct way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have inquiries that are the result of fraudulent activity, they have not been authorized and must be removed. My information was also compromised in the XXXX Data Breach and may have gotten in the wrong hands.

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 2021-09-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2021-09-22 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: SC

Complaint narrative:
I sent letters to credit bureaus starting in XX/XX/2021. I have some incorrect information on my credit file, and that negative information is causing a bad impact on my credit file. According to the Metro 2 system everything that is reporting on your account should be a 100 % accurate. The bureaus have copy of the letters that I have sent in.I need those investigated properly. I want to see the original documents supporting their claim.

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 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
We had an XXXX credit card through XXXX. It was a good experience. The XXXX cards were all moved to Barclays. Barclays practices and customer service are unacceptable. I had to call them three times - each time the wait was over 90 minutes. I was told we would not get a bill from Barclays before the first payment was due ( this seems to be a deliberate attempt to increase chance of late payment fees and higher interest charges ). I tried to set up an online account to pay the card, but I continue to get this error message " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at XXXX. '' When I called that number, they did not even ask what my question was, but just told me that I called the wrong number and put me in the hold pattern again. Then, after 95 minutes on hold, they just dropped the call. This is terrible service and those who do not jump through extra steps will get extra charges. Most of XXXX members are older and this seems to be a targeted attempt to take advantage of them/us. I did call XXXX to share my experience. I am not asking for any action on my account. I will cancel the card after I can figure out how to pay the transferred balance. We do not want to be held accountable for any charges that are incurred because of their business practices. I think Barclays should be held accountable for these business practices, and other consumers should be aware. Thanks for your time.

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 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Coast to Coast Financial Solutions, Inc.
State: NV

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: NV

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nathan & Nathan, P.C.
State: GA

Complaint narrative:
On XX/XX/20 a discussion was had with XXXX XXXX, a collections supervisor, at Nathan & Nathan advising that this debt was being disputed, I am not aware of why or how they are attempting to collect over $ XXXX, I have never entered into any contracts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: NV

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Modern Adjustment Bureau
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates nor any medical action with their affilates nor my family. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. I have provide everything that i was told to do by the attorney, CFPB, FTC and the Police deaprmtent to show this account is fraudulent and that someone is using my information to obtain fraudulent services under my name and information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the current amount, high credit, payment history, and the comment to verify this information. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.

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 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Received 'Fraud Letter ' on XX/XX/XXXX on three Cap One accounts. Nothing in the letter detailed fraud. Upon calling, they closed all three accounts because one of them had a returned payment. Even though this payment was immediately remade and cleared, they still closed three accounts. They did not attempt to communicate with me before taking this action. Two of the accounts had been open for 18 years!

The one with the returned payment had a large cash back balance that had not been redeemend. In researching this online, it appears Capital One has a history of closing accounts for little or no reason when they have a significant unused rewards/cash back balance. This is not fair or reasoanable. Closing all three acounts over one of them having a typo in a payment that was immediately resolved was not fair or reasonable. 

As I have applied for Mortgage approval based on these accounts being valid, this is a disaster. This will destroy my credit and likely cost me a ton in a higher interest rate. The suggetion to 'open a new account ' will not help as that also would blow up the mortgage application.

Company response to consumer: Closed with explanation