vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
In order to access you Affirm account you must provide your cell number, input an access code SMS to your number and then retrieve a code from your email on file. 

I am not receiving the code to my email address. I have checked spam and junk and still nothing. 

I have spoken to them and been told it is fixed three times now and still have no access to my account. 

This account has multiple loans and a savings account all with automatic withdrawals and I have zero access. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: ERC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: NV

Complaint narrative:
HONOR FINANCE CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$10000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
Amsher collection service are trying to collect a debt that I dont owe the account was a charge off they purchased the debt from the hospital and trying to make me pay for it they are very rude about how they contact me I would like to dispute all charges I was a victim of identity theft in XXXX  and I dont owe these debts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Hello, I spoke with National Credit Adjusters on XX/XX/2021 to submit a Dispute explain that the credit card from TOTAL bank card is not mine and i have been a victims of identity theft. and submits a Verbal Dispute with one of the agents which they informed me that it can take up to 30 days to be resolved. i gave them about two weeks and called them back as a curtesy not agreeing the fault of the debt but to pay in good faith for it to be removed from my credit report. One of the agent explain that in order to pay or to settle the account i will have to agree for fault of the debt and cancel the dispute I submitted. I disagree and disconnect the call and waited for the dispute to be finalize. today XX/XX/2021 i spoke the Manager on duty her name is XXXX XXXX and informing that i have not received any of the dispute status by mail or a phone call to let me know what will be the next step of the process. i Explain it has past more than 30 days and i have gave them additional time for my dispute to be finalize with a outcome. and request to the collection to be removed from my Credit report because they are not being communicative and because the dead line for a dispute response. XXXX become really aggressive and demanding asking me for additional personal information. and i didn't feel comfortable anymore. I requested again for them to remove the debt from my credit report and said i have received just know all the information i will mail it out as certified mail to the address on file and that she needed from to confirm my address. i said i don't fill comfortable anymore providing you any personal information. and denied. i just wanted to help me to secure my identity to complain with the regulations which they are not in compliance. XXXX informed me that National Credit adjuster don't follow the same policy 's and regulation with the customers as they follow with agency 's. I have been trying to be on top of this account from the past year and they are not responsive. and i need from them to remove me form there data base. please see below all the information. Called again to get additional information of the account spoke with XXXX XXXX. and informed that XXXX never notated the account in regards the Encounter we had today XX/XX/2021. 

Company Name : National Credit Adjusters Acc # XXXX Balance {$420.00} ph # XXXX Charllote Manager- XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
The company continues to call my home at all hours of the day and night. I have repeatedly asked this company to stop calling my house. I have sent them letters in the past also asking them to stop the harassing phone calls.

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 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IA

Complaint narrative:
Faye Servicing sent me a " right to cure '' notice regarding my home mortgage. Within 15 days, I got a statement from them, increasing the balance due by over {$1000.00}. As I am in a chapter XXXX bankruptcy ( they got the stay lifted because my attorney failed to respond ), they continually refuse to speak to me on any level to try and resolve this situation or find a solution. 

I have made over 10 calls to them today alone, and 5 yesterday, spending over 4 hours on hold, and can not get any direction or support or assistance. My attorney was in email correspondence with their attorney, and a lady who identified herself as a Vice President for their company ( XXXX XXXX ). He specifically told both of them in writing that they had permission to speak with me, Faye Servicing simply keeps stallling, and putting me off no matter how much I try to find a solution. I have over 85 % of the funds to bring my mortgage current, and will have the remainder within 20 days, but Faye just keeps sidestepping any and all efforts I make, I have to believe that thier ultimate goal is NOT reslving my issue, but in trying the get to take my property, and the approximate {$120000.00} of equity it holds. PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
In XXXX I purchased a vehicle from XXXX XXXX in XXXX Michigan. They purchased my lease. On XX/XX/XXXX the dealership paid XXXX XXXX to ally financial to buy out my lease. Ally sent them the title. They sold the truck. Ally is still charging the monthly lease payment. Listing the amount as past due. I have made several phone calls. They tell me the truck is still owned by myself ( and them, due to the lease ) they then try to tell me that XXXX XXXX has my account. I have tried contacting them on several occasions. Never getting off of hold. I was scheduled 2 separate call backs. Neither happened. 

I spoke with the dealership. They were asked to provide the odometer statement. Which they did and in return Were given the title. The dealership has tried to help me. Only to spend hours on hold never being able to get the right department on the phone. 

So as of XXXX, my truck was sold to the dealership by ally financial. Ally financial continues to keep my account open. Ally financial continues to charge me monthly for the vehicle. Just over XXXX dollars listed as past due so far. 

Through hours of phone calls I can talk to no one that has any knowledge, or ability to help me with the account. Other than telling me I need to talk to dealer services. Which does not seem to exist. 

The truck is in mine and my wifes name

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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
My name is XXXX XXXX. We ( XXXX XXXX and his wife XXXX XXXX XXXX applied for home mortgage refinance with QuickenLoans ( Rocket Mortgage ) online on XX/XX/2021. I got a copy of " Your Refinance Solution '' dated XX/XX/2021 form Rocket Mortgage on line, which indicats that ( see the attached " # 4 ) '' for verification ) : Your Refinance Solution These are the refinance options that you qualify for based on the info you gave us, your credit score of XXXX and XXXX 's credit score of XXXX. The recommended option is the one we think is best for your financial goals ... 

As " Your Refinance Solution '' confirms both XXXX XXXX XXXX 's credit scores of " XXXX '' based on which the recommended option is the one we think is best for your financial goals. I contacted the Client Relations Team of QuickLoans immediately and complained about the fake credit scores of " XXXX '' based on which QuickenLoans processed my application for home loan refinance. I received an email reply starting with ... My name is XXXX XXXX with the Client Relations Team that looks at the incoming feedback that we get from our clients. I received your feedback, and I am a little bit confused in what you were asking ... 

Later on QuickenLoan sent a copy of Your Credit Score and the Price You Pay for Credit by mail to us respectively ( see attached " # 1 ) '' & " # 3 ) '' for details ). As I mentioned within my email dated XX/XX/2021, we still don't understand why and how our true credit scores were instead. This is the first time we recognized that someone submit false credit scores, an intentional wrongdoings, which might benefit someone illegally XXXX especially, we might be too old to stop the wrongdoings XXXX! 

P.S. Please see the attached documents # 1 ), # 2 ) & # 3 ) for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: FL

Complaint narrative:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXXXXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I've sent in request to have this account XXXX XXXX Master Card, updated or removed as it has been paid off and it is still incorrectly showing as charged off and unpaid.

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 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
I have had the last four if my paychecks stolen right out of my account my credit card company payments have gotten sent back to me going against my credot in ehich i am trying very hard to fix also am losing everything in my storage and possibky geetting evicted from my apartment due to someone or bank error not sure which one and the worst if it u cant even call or get a hold of anyine at current to let them know what is going on .Iam so devestated by these thefts and im atill fetting no where with current bank i cant beleave what a crock of shit of customer service they have unbeleavable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXXXXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX, FL 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 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am a former Wells Fargo customer. I closed my accounts ( all of them ) with them several years ago. I still receive bill pay reminder notices and updates to online banking account terms and conditions. I have called and they assure me it is taken care of. Then I receive another notice. 
I would like the emails to stop. If Wells thinks I am still a customer, somewhere in their systems my profile is still active. This presents an opportunity for fraud!

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 2021-06-23 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: GA

Complaint narrative:
Experian notified me of a medical debt. I never was a patient at the facility and I reached out to the medical debt collector to provide documentation to me. This documentation was never received. I asked Experian to also provide documentation that this debt belongs to me. No one has given me any documentation for this debt and it still remains on my credit report. I have sent certified letters and multiple requests and still no response with any verification.

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 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I requested on XX/XX/2021 for an investigation on accounts that are on my credit report. After over 30 days their still has not been any written statement showing and proving the accounts on my credit report are accurate.

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