vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
1. Merchant ( U.S. Auto Sales, Inc. ) presented the MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACT ( Exhibit A ) with false and misleading terms and conditions to obtain a security interest in the motor vehicle, insurance policies and proceeds, and other financing contracts for service or insurance, as the Merchant failed to disclose and/or apply the amount of credit extended to me, the Affiant, from my open-end consumer credit plan. The Merchant made completely false representations of the amount of the alleged debt. 
2. Consequent of the willful and knowing failure of the Merchant to properly compute and disclose the Finance Charge as the sum total of all charges, Merchant made patterned and continuous unauthorized use of fraudulently obtained credit card data ( Exhibit B attached ) ( for charges exceeding the Finance Charge by {$12000.00} ) as evidenced in the MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACTS, Amortization Schedule, Payment Ledgers ( Exhibits A-E ) using the same false and misleading language and practices to obtain money while retaining an inequitable security interest in the motor vehicle. 
3. The Merchant failed to include the insurance premium in the computation of the Finance Charge, requiring the Affiant to purchase insurance coverage out-of-pocket in order to take possession of the secured motor vehicle, further coercing more fraudulent and unauthorized collection and voiding the contract. ( Exhibits A & B ) 4. The Merchant maintained a fraudulently inequitable security interest in the motor vehicle and took possession of it although the sum total of the credit transaction ( equal to the Finance Charge of {$10000.00} ) had been over-paid by {$12000.00} ( Exhibit B, page 8, and EXHIBIT F shows private data being shared publicly for vulgar disparagement on my Consumer Report for a charge off after the sum total was over paid ). 
5. The Merchant regularly threatened to take non-judicial action to effect disablement of the motor vehicle without a present right to possession of the property claimed as collateral, the motor vehicle, as the motor vehicle was equipped with a disablement device ( starter interrupter ) that was programmed to disable the motor vehicle even after the Finance Charge was fully paid. 
6. The Merchant did not apply any credits for the Amount Financed, to my payment schedule. ( Exhibit B ) 7. Affiant became aware of these Federal violations on XX/XX/2021 during correspondence with the Merchant to request purchase records ( Exhibit G ) and corresponded for resolution on XX/XX/2021 ( Exhibit H ), before corresponding with the CFPB & FTC to report fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I took out a secured loan with XXXX XXXX XXXX XXXX. The duration of the loan is XXXX year. The loan would have been due for full repayment in XXXX. I made a payment on this loan ever month since I took out this loan. I recently got a notification from the credit bureaus saying that XXXX XXXX XXXX XXXX reported that I had a missed payment and this is not true and this has resulted in my credit score dropping by 35 points. I made payments on my loan ever month. The duration of the loan is for a period of 1 year. I never missed a payment on my loan with XXXX XXXX XXXX XXXX. I was told that I needed to make a payment on my loan by the XXXX of each month which I did every month and now the credit bureau is reporting that I missed a payment and that is false.

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 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Offices of Timothy E. Baxter & Associates, P.C.
State: MI

Complaint narrative:
I have reported this law office 2 times already. I have called them twice and told them I am not the person they are looking for. This person was married to my brother almost 30 years ago. She has NEVER lived with me or been at this phone number. I have told them this. I have not seen or heard from this women in 30 years. They stopped calling for a while after I filed the last complaint but today they started again. XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: WI

Complaint narrative:
This company is reporting an account that is not mine. They have failed to proof that their is a legal binding or contractual obligation to pay this debt. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from THIRD PARTIES. I do not recall giving permission to LJ ROSS ASSOCIATES, for them to release my medical information to a third party, I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore I demand that you cease and desist your illegal reporting of this account and have it deleted from my report as soon as possible. 

Here are the laws violated : XXXX. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: NC

Complaint narrative:
I have a balance of XXXX with XXXX XXXX but its reflecting on my report a balance that is incorrect I have proof it is incorrect and have asked the bureaus to remove these collections from my credit report immediately there was a mix up between me and my son name and the small details of sr and jr been confused in certain circumstances I ask the bureau to please correct and remove this negative account

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 2021-09-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a balance of XXXX with XXXX XXXX but its reflecting on my report a balance that is incorrect I have proof it is incorrect and have asked the bureaus to remove these collections from my credit report immediately there was a mix up between me and my son name and the small details of sr and jr been confused in certain circumstances I ask the bureau to please correct and remove this negative account

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 2021-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
A letter was received stating that I can go online to make the payment settlement for the following account XXXX ( XXXX ) and XXXX ( XXXX ). 

The website for Commonwealth Financial Systems states that we don't have to speak to a representative to resolve these accounts, however when you enter your information it states that your information is not found. This a clear indication that they are not telling the truth. 

On XX/XX/21 I called and provided my verification information to handle these accounts for settlement and was told they are having problems with their website. Well that's not my problem. Just like they will tell me the same regarding the payments that need to be settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am not familiar with this account. I have contacted GM FINANCIAL concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I started the process with Citi Mortgage on XX/XX/2021. At the time of this complaint, XX/XX/XXXX, I still have not finished the process of refinancing. 

The loan processing team and the underwriting team has a long queue time, with turnaround times usually around 2 to 4 weeks. 

However, they repeatedly denied my application over random documents. Each time, they file a " Notice of Incomplete Action Package ''. In total it was denied 6 times. 

The first time was in XX/XX/2021, second time was in XX/XX/2021, third time was in XX/XX/2021, forth time was in XX/XX/2021, fifth time in XX/XX/2021, XXXX time in XX/XX/2021, and XXXX time in XX/XX/2021. 

Each time the asks were mostly documents that I had already provided, but became outdated because of the long wait. Sometimes it was a document that I had already submitted, but for some reason they couldn't find it in the package. Sometimes it was a random inquiry on what my credit checks or financial transactions were, which is going to happen in a 6 months time span regardless. 

They took my {$860.00} fee that I paid in back in XX/XX/2021, and just never approved my loan. Me and my partner had over XXXX in annual income, and XXXX in liquid assets, and yet they could not approve a simple refinance. 

From what I heard, they were outsourcing their processing and underwriting team to XXXX. So I now have American information in a foreign country. I would have never signed up for this if I knew that the underwriting team was in a completely different country. How is there no privacy issues or identity theft issues when I sent all my sensitive documents to this company? 

If you are financing with Citi, stop and go to another company. They do not care about you, only about money. They will do whatever they can to abuse you. 

My Mortgage officer was XXXX XXXX XXXX, my Loan Processor was XXXX 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 explanation
Consumer complaint received 2021-09-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I HAVE 1 LATE PAYMENT THAT ARE NOT CORRECT I HAVE 1 COLLECTION ACCOUNT THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG THERE ARE ACCOUNTS LISTED THAT SAY INCLUDED IN CHAPTER XXXX. ALL OF THESE ARE NOT ACCURATE AND NEED TO BE DELETED. I TRIED TO GET THIS RESOLVED BEFORE BUT WITH NO FEEDBACK FROM THE CREDIT BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I opened a supposedly personal/ separate checking account at Chase during my divorce. 
On XX/XX/2021, I noticed an unauthorized transfer of {$3200.00} from my account to my ex-wife 's account at Chase. 
I spoke with Chase and had the transaction reversed, and I reiterated that my Chase account was not supposed to be accessible to my ex-wife. ( Chase had improperly set up the account to be accessible to my ex-wife ) Chase said they changed the PIN so that she would no longer have access.

The {$3200.00} transfer occurred again.

Speaking with Chase, they apologized and stated that they changed the wrong PIN and that they would cancel the debit card.

For 36 hours the {$3200.00} transfer was in a " pending '' state, during which time I requested that funds be returned.

Chase did not following these instructions, allowing my ex-wife to keep the {$3200.00}.

I filed a claim and escalated this error to the Chase " Executive Office '' to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
In XXXX we were approved for an adjustable mortgage which was a XX/XX/XXXX loan. We had 2 mortgages and the 20 % mortgage was by a predatory lender which based upon our low income they approved the loan at an adjustable rate. We were not able to pay the mortgage for 16 years and now they have sent notices to put a lien on the property. How can they do that after 16 years and no correspondence?

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 2021-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and tried disputing it with the company because I had paid it and the website said they received the payment and not my mistake but they didn't remove it. They acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
I XXXX XXXX a natural person consumer pursuant to 15 U.S.C 1692a ( 4 ) I am the creditor who extend credit creating a debt. Debt which means any obligation or alleged obligation which this is alleged pursuant to 15 U.S.C 1692a ( 5 ). You P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692b ( 1 ) you obtained my location information fraudulently. P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692b ( 2 ) you stated that i the consumer owes an debt. P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt .P & B Capital Group LLC is in violation consumer rights under Fair credit Reporting Act 15 U.S.C 1692c ( a ) without the prior consumer consent given directly to the debt collector. P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692d ( 1 ) harassment or abuse, use or threat of us of violence or other criminal means to harm the physical person, reputation, or property of any person. You damages my consumer report. P & B Capital Group LLC is in violation pursuant to 15 U.S.C 1692f false and mislending information. P & B Capital Group LLC is in violation 15 usc 1692e ( 2 ) ( A ) the false representations of the character amount, or legal status of any debt. P & B Capital Group LLC is in violation pursuant to 15 usc 1692f ( 1 ) unfair practices, collection and amount unless such amount is expressly authorized permitted by law. Violating 15 USC 1692f ( 8 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 240 days ) and ( two dispute letters ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
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 involved in the process. I have a loan with ALLY FINCL and I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Please re-investigate this account or simply remove this account PRONTO.

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 2021-09-02 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: AZ

Complaint narrative:
THERE ARE ACCOUNTS LISTED THAT SAY INCLUDED IN CHAPTER XXXX. ALL OF THESE ARE NOT ACCURATE AND NEED TO BE DELETED. I TRIED TO GET THIS RESOLVED BEFORE BUT WITH NO FEEDBACK FROM THE CREDIT BUREAU. 
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED. 
I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG I TRIED TO GET THIS RESOLVED BEFORE BUT WITH NO FEEDBACK FROM THE CREDIT BUREAU.

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 2021-09-02 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have a Factual Data Credit Pull on my credit report dated XX/XX/2021. 
This hard credit pull was not authorized. 
I called XXXX XXXX  to ONLY inquire on how it works if we were wanting to pull our home equity out early. I only wanted information on how it works. 
The agent on the phone insisted I give her all of my information so she could pull up our current loan. 
I did not give permission in any form for a hard credit on our credit report. We were not asking for a loan at that time nor were we wanted to move forward in any way. The call was strickly to ask how pulling home equity early works. 

I am requesting that this hard credit pull be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation