vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 00:00:00
Product: Vehicle loan or lease — Lease
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: VW Credit
State: OH

Complaint narrative:
On XX/XX/XXXX, I mailed a check along with the completed Bill of Sale and Odometer Statement to VW Credit for the purchase of my XXXX XXXX XXXX at lease end. The check was received by them on XX/XX/XXXX, per USPS tracking. 

On XX/XX/XXXX, at XXXX XXXX I called to find out when I would get the title. I was on hold for over 20 minutes before a CSR answered. The women I spoke to said it would take 10 days ; 3 days to process the payment, 4 days to print the title, and 3 days to send it overnight ( which I sent a {$15.00} check to pay for ). I was on hold for over 25 minutes On XX/XX/XXXX, at XXXX XXXX  I called to get clarification on when the 10 day period started ( i.e. when they received the check on the XXXX, or when I called on the XXXX ). I was on hold for over 45 minutes before XXXX answered. She put me on hold for a few minutes and told me it would take 38 days to get the title. I said that was unacceptable and she said the title department was behind. I asked to speak to someone else and was transferred to Nialy ( sp? ). XXXX told me that she would expedite it since I had already been told it would take 10 days. She put me on hold and came back a couple of times to tell me she was working with a supervisor. We then got cut off and the line went dead. 

About 10 minutes later XXXX called and said that XXXX had a problem with her phone which is why we got cut off. He told me that I needed to upload the Bill of Sale and Odometer Statement and that I would then have the title in 7 days. I told him that I sent them with the check and that they should have them. He just said that they didn't have them. I immediately uploaded them via their website. 

On XX/XX/XXXX at XXXX XXXX I called to find out where the title was. I talked to XXXX and explained why I was calling. She transferred me to the purchase department and I spoke to XXXX. He told me there was a problem with the Odometer Statement I submitted and I needed to submit it again. I asked him how I was supposed to know there was a problem since no one had contacted me and he said that XXXX had tried to call me. I do not believe that anyone tried to call or contact me or if they did they didn't leave a message as I never received a call or message. XXXX told me that once I uploaded the Statement it would take 5 to 7 days to get the title. I logged onto their website and uploaded the new Odometer Statement. There was no message there telling me about the problem with the first statement substantiating the fact that no one ever tried to contact me. 

I believe that they intentionally lost or discarded the first bill of sale and failed to contact me regarding the incorrect odometer statement because they are behind. If the delays were not intentional then they are indicative of institutional incompetence and disregard for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : Investigation Request to Delete Unvalidated Credit Accounts and Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I will also request that you provide proper validation of all said debts by providing all documentation that shows by wet ink signature so if need be I can file all proper FRAUD affidavits with the FTC. 

XXXX : ACCT # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), such as I owe {$960.00} or my account was seriously past due and assigned as a collection in the amount of {$960.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 


I AM ALSO DEMANDING COMPLETE VALIDATION OF THE ALL INQUIRIES LISTED BELOW, PLEASE DELETE THESE UNVALIDATED INQUIRIES IMMEDIATELY : XXXX XX/XX/2020 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 explanation
Consumer complaint received 2021-07-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : Investigation Request to Delete Unvalidated Credit Accounts and Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I will also request that you provide proper validation of all said debts by providing all documentation that shows by wet ink signature so if need be I can file all proper FRAUD affidavits with the FTC. 

Re : ACCT # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), such as I owe {$960.00} or my account was seriously past due and assigned as a collection in the amount of {$960.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 


I AM ALSO DEMANDING COMPLETE VALIDATION OF THE ALL INQUIRIES LISTED BELOW, PLEASE DELETE THESE UNVALIDATED INQUIRIES IMMEDIATELY : XXXX XX/XX/2020 EQUIFAX MORTGAGE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: MN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: CA

Complaint narrative:
I am highly upset the consumer reporting agency Equifax has not responded back to me about my investigation. 
This is a serious matter. I need these accounts that arent mine to be removed from my credit report immediately. Its been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) They also don't have the right to communicate with any furnisher as I did not give consent to it and will NOT give consent for them to communicate with them. 
I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: CA

Complaint narrative:
I received promotion checks in the mail for a balance transfer it clearly states 0 % for 10 months with a 4 % fee so I used a check to pay off another credit card basically a balance transfer. Since I paid it on line with their check they considered it a cash advance check even though I never received any cash if I wouldve mailed it in to the same company it wouldve been considered a balance transfer. I looked over the advertisement they sent me which I still have and nowhere does it say that plus that makes no sense.so now Im being charged for cash I would never take cash from a credit card because of the ridiculous interest plus I have plenty of cash in my bank. I have never complained about a card before but this is not right Im very surprised because its a Discover card one of my favorite credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I tried to buy a telephone off of a website called XXXX. The man called me on my phone and had me transfer him money through zelle bypassing the offer up delivery charges. I offered to pay half ( {$240.00} ) now and the rest ( {$240.00} ) after I received the phone. He said he needed the money urgently for rent and would like the rest of the money as soon as he sends me the tracking number. I obliged trying my best to be quick. When I received the package instead of a phone the was a cupcake with only the return address of the cake shop. I tried to get his address from them. With no luck. 
I have screen shots & an email & a phone # with I am now blocked from. I requested the money back in Zelle several times & was ignored of course.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
the following accounts appear on

my credit report, without any authorization, do not belong to me Identity Theft BK OF AMER Account Number : XXXX  This is not mine. Identity Theft BK OF AMER Account Number : XXXX  This is not mine. 2. Identity Theft BK OF AMER Account Number : XXXX  This is not mine. 3. Identity Theft BK OF AMER Account Number : XXXX  This is not mine. 4. Identity Theft XXXX  Account Number : XXXX  This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine. 6. Identity Theft XXXX  Account Number : XXXX  This is not mine. Identity Theft XXXX/XXXX  Account Number : XXXX  This is not mine. Identity Theft. Identity Theft XXXX  XXXX  Account Number : XXXX  This
is not mine.

.

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 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I received two text messages from Bank of America ( XXXX texted me ) that asked me to verify these two transactions. I get these text from Bank of America all the time, as I have had fraudulent activity in the past, so this is standard for them to text me to verify. 

Bank Of America : Did You Attempt A XXXX Payment For The Amount Of {$4900.00} Reply YES OR NO // REMOVE TO UNENROLL ALERTS Bank Of America XXXX Did You Attempt A XXXX Payment For The Amount Of {$4500.00} Reply YES OR NO // REMOVE TO UNENROLL ALERTS I replied NO and received a phone call right away, per usual, from Bank of America ( XXXX ) called me, which I verified to be the Bank of America customer service number , while speaking to this person. The person representing Bank of America then asked if I was trying to send money to some person. I did not know the name and explained that I did not know this person and I do not verify these transactions. They went on to explain that the money was already on its way to the other persons XXXX XXXX account and that I would have to create an account in order to get the money back. They walked me through a few steps, when I then hesitated to say this doesnt feel right and the person hangs up on me. I have screenshots showing that it looks like I am sending the money back to myself via XXXX at XXXX. When I called Bank of America customer service ( XXXX ) to make the complaint that now I indeed just had fraudulent activity and I am out {$6400.00}, the BoA rep went on to explain that this is spoofing, ha, it happens all the time. You got spoofed. I said, Im sorry, what does that mean and why are you laughing? The rep says spoofing happens ALL the time, its when someone pretends to be a trusted source by using the trusted sources actual phone number. This is what happened here and because it was through XXXX, we are not able to do anything at all or help in any way. We can try to put in the request but Im not sure we will be able to get your money back. The rep was laughing while telling me this. They were not able to get the money back and Im shocked as this is obviously FDIC. Please help!

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 2021-07-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
THIS IS MY FOURTH OR FIFTH COMPLAINT WITH THIS COMPANY MY INFO HAS BEEN STOLEN AND EQUIFAX REFUSES TO LISTEN TO MY REQUEST. I HAVE SUBMITTED SUPPORTING DOCUMENTATION TO PROVE MY CASE. FTC REPORTS, POLICE REPORTS, IDENTIFICATION, AND THIS COMPANY WILL NOT INVESTIGATE MY SITUATION AND REMOVE THE FRAUDULENT INFORMATION. I SUBMIT THIS DISPUTE YESTERDAY AGAIN FOR THE SAME UNAUTHORIZED INQUIRIES AND MY INVESTIGATION WAS COMPLETED WITHIN AN HOUR. THIS IS INADEQUATE TIME TO INVESTIGATE 15 INQUIRIES, WHAT INVESTIGATION WAS DONE WITHIN 1 HOUR?! THIS IS THE THIS HAS BEEN AFFECTING MY CREDIT WORTHINESS AND MY MENTAL HEALTH IN THE TIME OF A PANDEMIC, I PLAN ON SEEKING LEGAL ADVICE BEYOND THIS POINT, FOR THIS COMPANIES FAILURE TO FOLLOW THE ACTS OF THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Made a purchase with an online clothing store on XX/XX/2021. Order was delivered the following month. Items delivered were not the same as advertised on the clothing website which made me look up reviews on the website. I discovered that the website has mislead numerous customers with their false advertising and that they have also not given full refunds for items purchased. I made a claim with my financial institution and they said they would examine it and get back with me with the final settlement. On XX/XX/2021, I received a notification that my financial institution was unable to pay back the money charged from the fraudulent 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
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: AL

Complaint narrative:
Received letter dated XX/XX/2021 from Linebarger Goggan Blair & Sampson, LLP, Attorneys at Law, located in XXXX, CO XXXX. Received letter XX/XX/2021. Letter said I owed the State of Colorado {$29.00} for non-payment of tolls charged to License Plate No. FL XXXX. Told the company that I have only been to Colorado once in my life and that time I flew in by airliner and left on a tour bus. My car has never been to Colorado. 

I fear this letter is phishing effort to gather banking information or credit card numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2020 I mailed a certified notarized contract along with a US post office money order in the amount of {$220.00} to settle the account with Capital One Auto Finance. The contract clearly stated that cashing the above referenced check was an agreement to the terms in that contract and the terms written on the money order as well. Capital One Auto Finance received the check on XX/XX/2020 at XXXX XXXX  and cashed said check soon thereafter according to the US Post office website. By not complying within the 30 days of the original contract on XX/XX/2020, Capital One Auto Finance is in violation of the contract terms and I am hereby requesting that you hold them responsible for their actions and make them fulfill the contract as listed below : 1 ) Show the above mentioned account as paid in full 2 ) Remove any and all derogatory reporting from any and all credit bureaus including XXXX. XXXX, XXXX, and any others you're currently reporting to. 
3 ) All collection attempts & activities shall cease immediately 4 ) You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ) If you dishonor this contract or violate its terms. you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a cognitive contract and you agree to summary judgement against you. 
Thank you so very much for your help and your time with this matter. I know your time is very valuable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that doesn't belong to me or I never authorized. I notified my aunt whom is a lawyer and she instructed me to follow these steps by filing a complaint. So far no action was taken by the companies as of yet.

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 2021-07-21 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: FL

Complaint narrative:
I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that doesn't belong to me or I never authorized. I notified my aunt whom is a lawyer and she instructed me to follow these steps by filing a complaint. So far no action was taken by the companies as of yet.

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 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX  has been calling me almost 2X 's a day ( or every other day ) for the past 2 months. I've spoken to 2 agents. I spoke with an agent about a debt they have stated was owed to Speedy Cash-loan company. The agent stated that they bought my information from Speedy Cash. He couldn't tell me the year the so called debt was unpaid. I advised that I have used this agency before many times & paid my loans. They have started sending me letters & stated that they will keep reporting this as a debt on my credit. I asked how did they by my information, the agent did not know. I kept telling the agent that this is incorrect. I called the Speedy cash that I went through on XXXX XXXX, in XXXX, Tx & they no longer have anything on me that is passed due. I am a regular person & have also been hack around XXXX from my XXXX account. I have deleted that account & submitted a complaint about being hacked to the XXXX site along with documentations on the hacking. The agent also mentioned to me my current banking association & I informed him that the bank he mentioned was incorrect, so I hung up the phone as I realized that this might be another scammer/hacker trying to steal more personal information from me.

Company response to consumer: Closed with explanation