vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX RE : XXXX XXXX Dear XXXX XXXX XXXX, & XXXX XXXX, I hope you're having a great day. My name is XXXX XXXX, and Ive been a customer of Continental Finance since XXXX. Ive enjoyed doing business with your company, and have had many positive experiences over this time period. 
XXXX writing because when I checked my credit report, I noticed it contains a 30-day late payment posted in XX/XX/XXXX. My credit score has plummeted from a high of XXXX as of XX/XX/XXXX down to it's current low of XXXX as of XX/XX/XXXX. 

I dont want to dispute the accuracy of this report, but I do want to explain this one-time lapse on my part. I recently switched to online billing, and this caused me to accidentally overlook my bill and miss making the payment that was due on XX/XX/XXXX. I recently have been dealing with a Covid-19 financial hardship of having our families personal home sued for Foreclosure by our current lender. 

Recognizing the life-altering power of credit information and the impacts it can have on the less vulnerable. The FCRA and several federally backed agencies are asking credit card companies to work with individuals seeking a one time late payment exceptions for a cardholder that's been financially impacted by the corona virus. 

I was facing the prospect of missing payments as a consequence of income loss during this pandemic. I have since regained my financial footing. I was hoping there would be a good chance Continental Finance is prepared to work with me and remove this one time 30 day late payment. 


Warm Regards, XXXX XXXX # XXXX XXXX # XXXX SS # XXXX 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 2022-04-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was notified today, XX/XX/2022 by XXXX XXXX via email that there were new inquiries on my XXXX report and XXXX report, so I immediately looked into this knowing these were not initiated by myself. Experian shows inquiries from the following companies, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX shows XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX shows XXXX XXXX, XXXX XXXX, and XXXX XXXX. All of these inquiries appear to be 'Hard ' inquiries.

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 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting fraudulent inquiries on my credit report without my knowledge. I called and asked them to be removed but with no luck. I told them that I would send in a FTC 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 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
SLS is not honoring a XXXX Bankruptcy Court Order from Day one. The statements do not reflect and have never reflected the court order put in place since XX/XX/XXXX. I have not been provided an accurate accounting for this loan since the Court Order was submitted to the lender. See Attached : Exhibit # XXXX XXXX XXXX of court order. 

I have tried to contact the servicer, Specialized Loan Servicing, who refuse to speak with me or acknowledge that this is a XXXX Court Order chapter XXXX agreement of a 3 year interest only loan repayment. All payment have been made timely per the agreement. 

From the very first statement the accounting has been incorrect and they are adding fees in excess of {$10000.00} to date. I only found this out by ordering a payoff Dated XX/XX/XXXX, See Attached Exhibit # 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 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX I deposited my {$400.00} paycheck into my US bank account. They said the check was accepted and {$220.00} was available immediately, and {$170.00} would be available the next day. I used my debit card for {$120.00} later that day. On XXXX they debited the {$400.00} from the account it was drawn on, but then bizarrely put an unauthorized hold on my account. I called immediately and they said they were holding my deposit till XXXX to make sure the check was good when the money was already in their account. I asked to talk to a supervisor, was told he would call me, still hasnt a week later of course. Now on XXXX, they have charged ME with a {$36.00} overdraft fee!

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 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C.1681 section 602A. states i have the right to privacy.

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 instructions

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 2022-04-07 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C.1681 section 602A. states i have the right to privacy.

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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Cohen & Associates
State: IL

Complaint narrative:
Called my sister about a debt I owed ( which is non-existent without any previous communication to me in letter form or phone call ). They threatened criminal action and directed her to have my attorney contact her. I would like to have legal action pursued against them as this is unexcusable. They claimed she was a close contact, but she was not, I have not taken out any XXXX loan in a long time and have not listen her as a contact on any of them. This call happened today ( XXXX around XXXX XXXX ).

Company response to consumer: Untimely response
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I have been a victim of Select Portfolio Servicing. The problem started when I received a notice that my property was being sold for back taxes. I received a notice that my property was being sold at a scavenger sale in XXXX XXXX. Upon me learning that my property was being sold I contacted Select Portfolio Servicing asking why my property was being sold when I have been sending my mortgage payments for the last eight years on time. Please see correspondence dated XX/XX/XXXX. Inside the correspondence you will see copy of the checks that were cashed by Select Portfolio Servicing. Upon further investigation I received correspondence dated XX/XX/XXXX stating that the checks were never cashed and returned to me because the mortgage was released eight years ago. I then contacted XXXX  XXXX which is my banking institution and they provided me a letter dated XX/XX/XXXX showing that Select Portfolio Servicing was cashing all my checks a total of 88 checks totaling over {$88000.00}. Select Portfolio Servicing has engaged in serious fraud by cashing my checks and not paying the property taxes as required. On XX/XX/XXXX I received a notification that my property taxes were sold in the scavenger sale and the redemption period is up on XX/XX/XXXX. I am a XXXX XXXX XXXX that has been victimized by this servicer and I respectfully request a complete and thorough investigation into their misconduct and their violation of Illinois Deceptive Practice Business Act, violation of Truth in Lending they mysteriously stated that they returned all my checks when in fact I have proof that they cashed all the mortgage payments knowing that the mortgage was released in XXXX. I never received any notification from the XXXX stating that the mortgage was released back in XXXX. For the last 7 years they have been cashing my mortgage payments and never paid any of the property taxes and insurance. I am great danger of losing my property and requesting assistance from your agency and seek and return of the {$88000.00} in mortgage payments that they were not entitled to cash so that I can redeem my property that was sold because of delinquent taxes. Select Portfolio Servicing knowingly and intentionally with a deliberate indifference were cashing my checks knowing that they were not entitled to those payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
It has been over 30 days since I've sent a dispute letter to this agency to investigate incorrect information in my consumer report. This agency has yet to notify me of any investigation findings. This negligence has greatly affected my ability to engage in commerce

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: OH

Complaint narrative:
The vehicle is currently in charge off status and was purchased in 2020. They have been attempting to repossess this vehicle for approximately two years. I have a total of approximately 23 call recordings that show aggressive, harassing, abusive debt collection practices from Global Lending Services. In some cases they failed to mini marandize me, in other cases they were also exhibited racially abusive language calling me " Mr. [ First Name ] '' as opposed to " Mr. [ Last Name ]. '' The loan contract itself was completely unreasonable nearly doubling the retail sales price from approximately XXXX ( rounding up ) to XXXX after the vehicle is finally paid off. The overall car payment was an exorbitant {$500.00} per month and mixing in job loss due to discrimination caused the contract to nose dive. 

They filed on my credit bureau a charge off, however are still attempting to repossess from a destitute, borderline homeless man living out of a motel in a remote area of Ohio. I am requesting that they stop all repossession activities, the vehicle should have been seized about a year or more ago. 

Each time I would speak with them, I felt fear and every time the call ended, I would notice my psychological health deteriorate. High levels of shaming and aggression due to a financial problem that was entirely not my fault. 

XXXX  is very cruel, selfish, insensitive company with no empathy or compassion for what people go through during difficult times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
I called twice asking for title and the last time I was told yes the car was paid off in XX/XX/2022 and that my credit report has XXXX balance paid off. I was also told they would expedite my title and I have yet to see my title and I still see XXXX balance still on my account. They acknowledge the notes from the last person I talked to and that they closed my account and requested my title to be sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent this company a debt validation letter via usps mail in the last week of XXXX this year 2022 I got a letter today XX/XX/2022 from this company, of statements claiming that I oue them money. 

That does not validate the debt that they claim I oue them, Ive never done business with this company and in my debt validation letter I asked them to send me a contract that I signed with their company stating that I conducted business with them and they failed to provide me that information, also they reported this debt they claim that I oue them to the credit reporting agencies, according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 instructions. Also they broke 15 U.S.C 1692C stating, 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. This company has violated my privacy and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I never opened a XXXX XXXX XXXX XXXX card. Ive never had one! Never had one associated with the address on the statement that was sent to me and had no knowledge of this card until I checked my credit report. I had several other accounts that were fraudulent and the credit card companies cooperated and knew they were fraudulent and worked with me. XXXX did nothing to help and has sued me. They now have a judgement against me in XXXX XXXX Fl for the amount of {$1400.00} plus court fees in the amount of {$240.00}, with interest at the rate of 4.25 %. It was done and ordered XXXX XX/XX/2022 without my knowledge. Law office is XXXX, XXXX, & XXXX out of XXXX, Fl. No one talks to me and I get hung up on when I try to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
on XX/XX/2022, I called my credit card company chase to let them know that I was having a hard time making my payment this month and did not want to be negatively reported to the credit bureau, I was told by the representative on the phone, that if I made a small partial payment of {$50.00}, chase would consider my payment a good will payment towards my debt. They instead reported me to the credit bureau as delinquent because my payment was late. I called in to talk to a supervisor and was told that I was given wrong information by the rep and there was nothing they could do to assist me in updating my credit report. I am in the process of applying for work and buying a home, so any negative information on my credit report will have a huge impact on my life and that of my family. I have since scheduled a payment of {$220.00} to bring me up to date. I kindly ask that chase please help me in correcting this negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Im being charge for a credit card that I did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: KY

Complaint narrative:
I sent a letter of convergent asking for : 1. Validation of the debt-that is, the actual accounting. 

2. Verification of a signed invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

However, according to 15 USC 1692 ( E ), 15 USC 1692 ( D ), AND 15 USC 1692 ( B ) 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 of a debt.

A loan agreement is a contract and so there has to be full disclosure of all the details ( which there wasnt, both sides have to put up something of equal worth ( which didnt happen ), the contract has to be signed is wet ink by both parties.

Contract : a written or spoken agreement, especially one concerning employment, sales, or tenancy, that is intended to be enforceable by law.

" both parties must sign employment contracts '' A statement is not an Invoice so would you please provide a signed Invoice as requested.

A loan application does not constitute a Contract as it only signed by one party and I asked for a copy signed by both.

Once again, I am demanding the requested documents to be sent to me within the next 14 to 28 days and if this does not happen than I will consider the debt to be fully discharged and for my property returned to me.

Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: MS

Complaint narrative:
I filed an identity theft report with the FTC. I have made repeated attempts to have this information deleted from my profile which was not authorized. No one is helping me and no one has communicated back to me after over XXXX attempts.

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 2022-04-07 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: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
My PenFed credit card was fraudulently charged {$2400.00}, on XX/XX/2022, without my knowledge, while I was visiting XXXX, XXXX. The charge was in the name of a XXXX XXXX XXXX XXXX, a person or organization unknown to me. 
Even though the change was XXXX times greater than I have ever made while visiting XXXX, PenFed security made no attempt to contact me via email, text or phone in order to confirm the transaction. 
On XXXX XXXX, while reviewing my online account prior to paying, I noticed the charge and immediately contacted the PenFed Fraud Department. They canceled the card and initiated an investigation. 
However, after the briefest of investigations, in which they could not even contact the vendor ( Id already attempted with no success ; doesnt apparently exist ), they determined that the transaction was valid in spite of the fact that I did not authorize the charge. 
There are any number of ways that someone could fraudulently use my card, while I used it at a restaurant, etc, none which PenFed even considered. 
Consequently, in spite of their inability to attempt contact with me regarding a highly suspicious transaction ( when the charge still could have been denied ) they demand that I pay for a charge which I did not authorize. 
I have called the Security Department and customer service with no success. I was told only that, since the actual card was used, that it was considered a valid charge and I would have to pay it

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 2022-04-07 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: FL

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXXXXXX XXXX/ {$0.00} / XX/XX/2021 XXXX  / {$0.00} / XX/XX/2021

Company response to consumer: Closed with explanation