vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automotive Financial Services
State: FL

Complaint narrative:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$7500.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do have a letter from XXXX as the data furnisher stating they have " REMOVED '' the bankruptcy from my report. also I have a letter from the bankruptcy court stating they do not share or verify information with credit report agencies. So please either provide me with the method of verification you used in your verification process or remove this bankruptcy from my credit file to not being in violation with the FCRA.

Ask the data furnisher XXXX or the bankruptcy court. and provide me with all the verifying process details, such as the person 's name who you have verified with, their address and phone number. 

I am providing you with a copy of the bankruptcy court stating emphatically that they do not share or verify information with any third party such credit report agency. so the response i received from Experian claiming they have verified with XXXX is a big lie, they are violating the FCRA.

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 2020-10-16 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mortgage was purchased from XXXX by Shellpoint Mortgage Service. XXXX correctly posted my payments made each month. I contacted Shellpoint and they stated that my credit report would be updated to reflect my payments made which I have made on time since the loan was purchased. I disputed the wrong information and  on XX/XX/2020 Shellpoint admitted the information was incorrect and would be corrected. To date, my credit report reflects that no payment has been made on this loan. Additionally, I have been requesting a payoff quote for months and have never received it. Please help! The company makes promises to do take action but hasn't delivered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have 5 debits listed that continue to change listing dates. Two of them in  the amount of {$19000.00} and {$1100.00} where acquired XX/XX/XXXX and are listed on my credit report as opening a second time in XX/XX/XXXX. I have another two for XXXX XXXX that where acquired at the same time in XXXX yet they have been relisted as XXXX and XX/XX/XXXX.The last one that is incorrect is the nationwide recovery for the amount of {$260.00}. It is listed with a date of XXXX. I have not been seen by this hospital since XXXX. So the date should be from XXXX not XXXX. When the debits come close to the 7 year mark they are taken off and then relisted. Just as the one For {$19000.00} it was listed in XXXX and now again in XXXX. The ambulance one from XXXX for the amount of {$1100.00} was listed the same day as the {$19000.00} and its date has not changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AC AutoPay LLC, Denver, CO Branch
State: CO

Complaint narrative:
I am a former employee of AUTOPAY aka AC AUTOPAY. The company consistently and knowingly engages in fraud at multiple levels of the operation. They knowingly provide false/unverified information to their federally insured credit union partners. They send credit applications without verifying length of employment, length of residence, vehicle trim levels and general vehicle options. The lending partners are not aware of this. It's done internally, again, knowingly, with the goal of increasing the number of approvals and ultimately the amount or revenue. This has gone on for several years. 

Additionally, at one point during the operation they collected sales tax on hundreds if not thousands of transactions, when in fact no sales tax was actually due. This was around XXXX. These were straight refinance transactions and they were collecting sales tax, it was itemized into the loans. 

Autopay willingly and knowingly allows their employees to use illegal sales tactics. These tactics include lying about the cost of ancillary products, not disclosing basic details such as loan term, and insinuating that the lender is requiring you to buy ancillary products. Only if a lending partner catches on to the lies, will they take any corrective action. 

Autopay has consistently engaged in illegal advertising. They quote customers rates that they know they will not be approved for, at times, even quoting rates that dont exist. This is done both on their website and through channel lead partners. 

Finally, Autopay engages in illegal workplace standards, such as, not allowing employees to take full lunches, not paying overtime in any way, and filing false time cards. 

This is a boileroom operation that needs to be investigated in depth.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$97.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- COLLECTION ACCOUNT 1. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$97.00} -This is not my 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 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Company called several times back to back asking for someone else. They refused to identify themselves when they called and Will not remove my number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is related to complaint number XXXX submitted on XX/XX/20. I have not yet received a response to my initial complaint. 

I contacted BMO Harris Bank on XX/XX/20 to find out where my debit card or bank statements were for my checking and savings accounts. I deposited {$3000.00} with BMO Harris Bank on XX/XX/20 and have no access either online or by phone. Please see previous complaint. 

When I contacted BMO Harris bank today ( XX/XX/20 ) I asked for assistance with my accounts and was told I needed to go to a branch. I told the CSR that I am affected by COVID-19 and am in the State of New York for an indefinite period of time and the branches are located in the XXXX Illinois area. The CSR said she could not give me any information on the accounts and abruptly ended the call. 

At this point I dont how to proceed. I am extremely concerned that I have lost my {$3000.00}. I did not receive a phone call, email or USPS mail about my {$3000.00} and have no way to access my money. I do not have a debit card to access my money, I am stuck in the State of New York because of COVID-19 for an indefinite period of time and BMO Harris Bank refuses to talk to me about my accounts. 

I am very concerned I will have to drive or fly to the XXXX area to get my {$3000.00}. Its very possible I could have long term health damage because of BMO Harriss irresponsible behavior. Additionally due to the COVID-19 pandemic, if I traveled to XXXX, I would need to quarantine upon my return to New York for 14 days. BMO Harris is causing enormous hardship and emotional distress because they are withholding my {$3000.00}.

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 2020-10-16 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: CA

Complaint narrative:
To :

Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$97.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request  the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$97.00} -This is not my 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 2020-10-16 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: PA

Complaint narrative:
XXXX/XXXX  XXXX on XX/XX/XXXX was disputed XX/XX/XXXX opened XX/XX/XXXX XXXX {$870.00} XX/XX/XXXX in XX/XX/XXXX The accounts were identity theft neither were opened by the consumer. Disputes were done and the the companies stated that they charges were valid. There is an address in Florida where the consumer never lived all this was expressed in disputes.

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 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collection Consultants of California
State: FL

Complaint narrative:
I have 5 debits listed that continue to change listing dates. Two of them in the amount of {$19000.00} and {$1100.00} where acquired XX/XX/XXXX and are listed on my credit report as opening a second time in XX/XX/XXXX. I have another two for XXXX XXXX that where acquired at the same time in XXXX yet they have been relisted as XXXX and XXXX.The last one that is incorrect is the nationwide recovery for the amount of {$260.00}. It is listed with a date of XXXX. I have not been seen by this hospital since XXXX. So the date should be from XXXX not XXXX. When the debits come close to the 7 year mark they are taken off and then relisted. Just as the one For {$19000.00} it was listed in XXXX and now again in XXXX. The ambulance one from XXXX for the amount of {$1100.00} was listed the same day as the {$19000.00} and its date has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: IL

Complaint narrative:
I corresponded with these companies over 30 days ago and asked them to investigate disputed accounts and provide proof with my signature or their method of validating these accounts and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive been disputing a XXXX  XXXX XXXX account on my credit reports. Today I received this letter from them which I am uploading and submitting attached to the letter is my response I am sending back to them. This account was opened well over 7 years ago. I paid off what I had charged back then. Shortly after that fraud was on the account I reported it immediately. This has been going on for over 7 years now and having this negative incorrect information on my credit reports is affecting my credit score.

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 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive been disputing a XXXX  XXXX XXXX account on my credit reports. Today I received this letter from them which I am uploading and submitting attached to the letter is my response I am sending back to them. This account was opened well over 7 years ago. I paid off what I had charged back then. Shortly after that fraud was on the account I reported it immediately. This has been going on for over 7 years now and having this negative incorrect information on my credit reports is affecting my credit score.

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 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Ive been disputing a Bank of America account on my credit reports. Today I received this letter from them which I am uploading and submitting attached to the letter is my response I am sending back to them. This account was opened well over 7 years ago. I paid off what I had charged back then. Shortly after that fraud was on the account I reported it immediately. This has been going on for over 7 years now and having this negative incorrect information on my credit reports is affecting my credit score.

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 2020-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
We applied on XX/XX/2020 and were told 45 days, but not advised that it could take longer. 

XX/XX/XXXX, called to inquire on the status and was advised that they were waiting for confirmation of the mortgage payoffs for the Primary & second Mortgage and that they may require a signed request from us. We immediately signed and sent back these forms that night. 

I didn't see any updates to the XXXX process so uploaded the payoff letters I obtained from XXXX XXXX on XX/XX/2020, & XXXX. XXXX on XX/XX/2020. 

Contacted again on XX/XX/XXXX for another update and was told there was a holdup due to the 2nd mortgage payoff was missing the property address. I escalated this and have been dealing with XXXX XXXX. 
I obtained an updated letter from XXXX. XXXX with an adendum to include the property address on the 2nd. Emailed XXXX so she could advise the appropriate teams who confirmed this was cleared to move the loan forward. 

Followed up on XX/XX/XXXX and was advised they were waiting on tax confirmation. 

Followed up on XX/XX/XXXX and was advised the loan was undergoing a final review, from XXXX XXXX. 

Followed up today and was now advised they needed an updated payoff letter from XXXX XXXX  since the balance had changed. The original payoff letter is good until the XXXX. Therefore this was unnecessary. 

Due to them not providing a true estimated time frame of completion and continually finding reasons to delay closing, is reasons enough to file this claim. This is causing us hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
At the beginning of XXXX, I found out that all my accounts in Bank of America are closed : 1. Checking account 2. Credit card account 3. Business checking account In my profile, there is the note - not to open new accounts for me 1. I never had any debts in the bank 2.  Never made any suspicious operations That created a huge problem because there was no notification about this and I can't pay the salary to my employees because I can't get access to the funds and no one knows when I get my money But the worst! Why? Why my accounts were closed? What was that problem that accused and that can't be solved with the bank we really liked as the family and as the business?

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