vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: TX

Complaint narrative:
See the documents attached. 

This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: PA

Complaint narrative:
I checked my credit report and saw inquiries I did not recognize contacted the bureaus created a fraud alert and made a ftc complaint the inquiries do not belong to me the companies of the inquiries : TRANSUNION INQUIRIES : 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 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 INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau Team, I have an outstanding issue with the received the Synchrony Bank Amazon account since XXXX, XXXX. I closed the credit card due to the Amazon discrepancies in charges/credit needing to be reconciled correctly. 

On XX/XX/XXXX, I replied and faxed my supporting documents to the Synchrony Bank Amazon Account team by certified USPS mail. I also sent the company a Demand Letter, to which they replied that it would take 60 days to have a resolution. So, I waited, and when I did another follow-up, I got the same request for information from Synchrony and reply again on XX/XX/XXXX. 

Attached are the consolidated documents submitted to Synchrony Bank Amazon account department : A recent document requested by Synchrony Bank and submitted on XX/XX/XXXX Demand Letter dated XX/XX/XXXX A letter from Synchrony Bank : We need more Information form dated XX/XX/XXXX, and my reply dated XX/XX/XXXX, USPS registered mail on XX/XX/XXXX A mail letter from Synchrony Bank on XX/XX/XXXX, acknowledging reviewing my inquiries I received a letter from the California State Controller indicating that Synchrony Bank couldnt reach me. I never moved or changed my phone number or email. 

I am requesting a {$1000.00} credit check to be sent to me. I have been getting a run around about my dispute. Please help! 

Thank you for your assistance in this matter. 

Best regards, XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA 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 monetary relief
Consumer complaint received 2023-04-26 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
According to the law in my state the debts in question is past the legal statute of limitation under contract law to collect. I lived in Alabama. 

LVNV Funding LLC is suing me for {$2100.00} LVNV is trying to collect {$2800.00} LVNV is trying to collect {$2800.00} LVNV is trying to collect {$6600.00} XXXX XXXX is trying to collect {$650.00} XXXX XXXX is trying to collect {$550.00} on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
PHH Mortgage is imposing force-placed insurance when we already have adequate coverage on our property. PHH sent letters dated XX/XX/XXXX and XX/XX/XXXX, both of which falsely claim that there was a lapse in insurance coverage on our home from XXXX. 

XXXX XX/XX/XXXX or early XX/XX/XXXX, XXXX sent our policy renewal to XXXX XXXX XXXX XXXX our previous loan servicer. XXXX did not pay the renewal from escrow as expected, so we directly paid our XXXX policy for the period XXXX. Our loan was transferred to PHH on XX/XX/XXXX. We provided PHH with the declaration pages for our XXXX policy. In a follow-up phone call to PHH, an agent communicated that the policy was unacceptable because of an error in the property description. 

XXXX corrected the error in the property description. In doing so, they cancelled the existing policy with an effective end date of XX/XX/XXXX. XXXX then issued a new policy for XXXX. PHH paid for the new policy from our escrow account. 

*PHH sent a letter dated XX/XX/XXXX, claiming that there was a lapse in coverage from XXXX and would charge us {$190.00} to cover the lapse. In a follow-up call to PHH, the agent said that they did not have proof of insurance for the time period in question ; we pointed out that we had provided the declaration pages for the policy ; PHH said that the declaration pages were not acceptable. 

*On XX/XX/XXXX, we provided a letter of experience from XXXX XXXX which states that our home was insured for the time period in question. In a follow-up call with an agent, PHH stated that this letter was unacceptable. 

*We provided PHH with contact information for XXXX insurance on 2 occasions, most recently on XX/XX/XXXX. PHH did not contact XXXX. 

XXXXPHH sent a letter dated XX/XX/XXXX stating that they would proceed with charging us {$190.00} to cover the time period in question. 

*Over several calls to PHH XXXX most recently on XX/XX/XXXX with agent XXXX, PHH stated that it never received the declaration pages for the policy covering XXXX. I again sent the declaration pages on XX/XX/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 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Please see this complaint - XXXX, I was overseas for work for multiple years, during that time frame XXXX Resurgent Services illegally collected on a debt and took me to court. They illegally obtained a judgement against me and did not perfect service on the attempted collection. 

This company was involved with LVNV Funding LLC and XXXX XXXX XXXX colluding and illegally conspiring to collect a debt that was not valid. Using proof of an XXXX spreadsheet with my social security number does not result in affirmation of debt. 

The company now has caused harm to me, and their solution is to send me out a fraud affidavit - without recognition of the illegal summary judgement they obtained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have been speaking with Chase Executive office since my vehicle was seized. They have waited until the last minute to find a resolution. The vehicle is due to be sold this week because they have stalled through this process since XX/XX/XXXX. I was told that we could reinstate the loan on a document that is called the notice of sale but when I called to discuss that information they informed me that Chase did not mean to state that they could reinstate the loan. It had to be a misprint. Then the rep hung up on me. So I have called back several times. I was told by the Executive office that tow trucks can use objects to unlock the door to a vehicle if needed to obtain possession of the vehicle which violates that consumer law that it should be done peacefully. On the contract that was signed it also states that a repossession has to be performed peacefully as well. In the state of LA, the judicial process allows the bank to reposes the vehicle without judicial process but the bank has to notify the debtor in writing before the repossession. Also there has to be a document filed with the clerk of court in the parish where the debtor resides prior to repossession of the movable vehicle. Which was not performed in coordiance with the state law. Also, on the TIL documents it states that there is no cooling off period. XXXX XXXX states that any consumer has the right to rescind or cancel their contract at will. Also, on their contract that was signed it stated that it states that they ( JP Morgan ) they have to abide by Louisiana law and do the repossession peacefully. Also, the representative stated that they filed the documents in the parish where the vehicle was taken not where the vehicle was filed which was in XXXX XXXX. There has been inconsistent answers and cover ups for the way this who process was taken. If the vehicle was charged off in XXXX, why would you repossess the vehicle in XXXX without notification. The Mortgage fee that is placed on LA vehicles requires that lienholders file documents with the court and/or state for the purchase of the vehicle. Which means they have to abide by those laws as well. In signing the contract in XXXX of 2022, I was told Chase financed the vehicle with 90 days before the payment is due. According to my files, my first payment was due the very next month XX/XX/2022 which makes the contract void because of false representation under a retail sale contract. Lastly, I was told by Chase that they never received any payments towards this account. I have proof where payment was taken but never accredited to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Hi, Today I applied for a XXXXXXXX XXXX XXXX that advertised I was pre-approved and would be able to use a temporary card the same day with 25 % off my purchase. When I applied I could not use the temporary card that was issued. I called XXXX who told me to call Comenity Capital Bank. I called the bank today and they did not have any idea of what I was referring to, no one could help me as no one at the company had access to the temporary credit card that they themselves advertised. If you XXXX this issue youll see that this false advertising has been occurring for some years now. The bank has told me that I have to wait for my physical card. If I knew I had to wait until my physical card came in then I would have never applied. This is false advertising by definition. They knowingly falsely advertise the promise of using a temporary card instantly which is what hooks people in to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
National credit system was sent the attached a letter. They have not followed it and neither have any of the credit companies specifically XXXX. I need validation and until it has been validated and I am provided documentation they must remove it from all of my credit reports. Everything must be done by mail. They have failed to do so. I have documented proof with return receipts that were signed for documents that were sent certified mail with tracking numbers. They received the items the certified documentation came back to me from the XXXX and they still have not updated my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: VW Credit
State: IN

Complaint narrative:
On XX/XX/XXXX we had purchased XXXX XXXX XXXX and myself XXXX and XXXX XXXX XXXX V wagon XXXX XXXX XXXX XXXX volts wagon did not go through and give me the paperwork at the time and when financing was being done my credit score was XXXX. My ex fianc was XXXX I do not have any source of income or any job, they asked me XXXX XXXX the sales person at Volkswagen of XXXX Indiana if I had a job and I said no and he said we will make it work, so XXXX XXXX XXXX was the cosigner. We went into the financial room, was led onto tactics of paint jobs extra charges that was not needed and so we both declined anything they did not give us any financial work, but had to sign papers. I was not aware of Predatory Lending and this is what has happened. I contacted volts wagon for, a copy of the financial records that we were not given the time of the sale after we left with the Volkswagen I am very disturbed that my credit score has dropped and that this is a part of Predatory Lending. I did return the XXXX  to volts wagon, but I would like my credit score to be back where it was since this is illegal. I am very concerned that I was taken advantage of this is not right to do to someone and I was not told what was going on when I went to return the XXXX XXXX XXXX XXXX is going to put it into his name or his business name supposedly and he had a negative balance on his trade-in of a XXXX  that I was unaware about of XXXX dollars when I return the XXXX XXXX had gotten smart with me and also lied and said that I filled out paperwork for a job which I did not because I do not have a job, I would like my credit score back to XXXX and my name removed off this. I had to actually text and call volts wagon several times to even get the financial paperwork that was signed off on because they did not give it to us the day of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.

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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XXXX  XX/XX/2023, My Wells Fargo checking account had an illegal Fraudulent Wire Transfer without my knowledge or Verification and Wells Fargo allowed {$26000.00} to be fraudulently wired out of my account. My checkin and savings accounts are wiped out. Wells Fargo does not care. They say they can not stop the 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 explanation
Consumer complaint received 2023-04-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-04-25 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: IL

Complaint narrative:
THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-04-25 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I've recently submitted an offer of performance to Resurgent Capital Services to dispute the Alledged debt for XXXX from the XXXX XXXX XXXX, current owner LVNV funding llc.They 're violating federal laws FDCPA by using false and deceptive practices. I sent notice requiring a validation of debt to the agency resurgent capital services, whereby they replied with a fraudulent notice of a verification of debt which isn't a validation of debt. I respectfully urged them to reply to the validation of debt questionaire which they failed or attempted to deceive me by answering with a verification of debt. A verification of debt is not debt validation by LAW. Furthermore they never received any consent to furnish negative information on my consumer report. I have a right to privacy which they are also violating. This is damaging my character ( defamation ) they will/shall be held liable. I have proof of what they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Accredited Collection Service, Inc.
State: NE

Complaint narrative:
I received a summons from Accredited Collection Services ( XXXX, XXXX ) trying to collect a medical debt from Nebraska XXXX on Saturday, XXXX. The total was {$780.00}. I am not disputing this debt. On the following Tuesday morning, XXXX I called Accredited Collection Service at ( XXXX ) XXXX. I spoke to a guy and told him I had received the summons and that I would like to take care of it. He told me that there were a couple of accounts due also, XXXX, I asked if I paid these in total and if it would take care of my summons. I was assured yes. I gave him my CC # and made two separate payments. XXXX for {$740.00} and the other for {$310.00}. The total of the payments was {$1000.00}. I asked for a third time. '' this will take care of the summons, correct? '' Again, I was assured that it would. I received, dated XXXX, a XXXX and XXXX of XXXX in aid of Execution. So now they are going to garnish my wages from my part-time job to recover the amount. The amount that I was told by the ACS employee would be taken care of with my CC payment. After speaking with XXXX about the law firm filing the papers. She told me she would contact ACS for an explanation, Three days later she returned my call stating that ACS told me, when they took my CC payment, that I still had outstanding debt and that the payment that I made would not relieve the debt in the summons. That statement is 100 % FALSE, The man told me XXXXhree separate times " Yes, this will take care of the summons ''. I was purposely DECEIVED! I have since paid the debt to the law firm. I just feel that Accredited Collection Services is lying to me, purposely deceiving me and probably every other person out there. If ACS was required to provide a recording of the conversation we had,. I know that they would not be able to because they lied and they know 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 explanation
Consumer complaint received 2023-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
there are several inquiries on my report not done by me all fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: OneMain Finance Corporation
State: FL

Complaint narrative:
there are several inquiries on my report not done by me all fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm sick and tired of filing complaints on here to Equifax and they are lying to me and to the CFPB. This is the second time I file a complaint about fraudulent inquiries on my credit report and they respond that those inquiries have been removed from my credit and are still there, now because they are not fixing it they blocked my account online. I will include screenshots of everything. If this doesn't get fixed right away I will hire a lawyer to sue Equifax. The report was on XX/XX/XXXX and still shows the inquiries. 
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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation