vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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: LA

Complaint narrative:
I XXXX XXXX XXXX, am being violated of my consumer rights pursuant to the FCRA by Equifax. Under 15 USC 1681b- Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates, also 15 usc 1681a subsection ( d ) Consumer Report.- ( 2 ) Exclusions-the term " consumer report '' does not include- any authorization or approval of a specific extension of credit directly or indirectly by issuer of credit card or similar device, the defined term of credit card in the law is pursuant to the same term for credit card in 15 usc 1602, which is any card, plate, coupon book, or credit device existing for the purpose of obtaining money, property, labor or services on credit in which my case will be my social security card. I did not authorize or give Equifax any written consent to furnish anything on my consumer reports no consent is identity theft and I demand all these listed accounts be updated, deleted, and corrected immediately : 1. XXXX ( Late Payment ) Dates : XX/XX/XXXX, XX/XX/XXXX Delete 2. XXXX XXXX XXXX XXXX ( Late Payment ) Date : XX/XX/XXXX Delete 3. XXXX XXXX ( Closed Account ) Delete 4. XXXX XXXX XXXX ( Closed Account ) Delete 5. XXXX XXXX  ( Closed Account ) Delete 6. XXXX XXXX XXXX XXXX  ( Closed Account ) Delete 7. XXXX  XXXX XXXX XXXX ( Closed Account ) Delete 8. XXXX  XXXX  ( Collection Account ) Delete 9. XXXX XXXX XXXX ( Collection Account ) Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AFNI INC.
State: NV

Complaint narrative:
On XX/XX/2021 I called AFNI , Inc. at XXXX and they asked me if I could pay by card I said no I will send a check to be cashed on the XXXX. He said we recommend you pay by card ( by which you occur a fee of {$4.00} which debt collectors may not charge other fees while collecting a debt according to the FTC ) He then told me if the payment was not received by the XXXX then the whole amount will come due which is a threat to coerce me into paying the processing fee from fear of having the total amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I have a collection company that has put two medical collections on my report but i paid the doctors co pay when i went and my insurance paid the other parts. So this is not owed. I have tried disputing with the credit bureaus to get removed but have not had any success. Please help me to get these removed as they are not owed and i've never received a breakdown for what they're for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover bank fraudulently tried to collect a debt that was paid off. I was never notified of any action, they forged my signature in order to deliver paperwork to an old address that I don't live at. I sent back the paperwork and disputed their debt collection but the ignored my dispute and my cease and desist orders. Discover Bank is in violation of multiple us codes including, 15 USC 1692b ( 4 ), 15 USC 1692d ( 1 ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 2 ), 15 USC 1692j ( a ), 15 USC 168h ( e ), 15 USC 1692b ( 5 ), 18 USC 1708, 18 USC 1703, 18 USC 1702.

All of these fraudulent charges and violations were submitted to Discover Bank and the XXXX County Clerk of courts on XX/XX/2021, along with cease and desist orders, a fee schedule and an invoice for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Every day, at least 3 to 4 times per day, Portfolio Recovery calls me at work with " spoofed '' numbers made to look local. I don't even live in Missouri anymore, yet all of the numbers come from around where I grew up. Sometimes the caller ID will show the number as originating from outside the United States. I've answered and requested at least twice for the company to send me documentation in the mail and to stop calling me. They have done neither. Because I now live in a different time zone, the calls also come in before XXXX and after XXXX local time periodically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
My complaint is with Franklin collection service inc from XXXX, ms referencing account XXXX I did not engage in business with this company XXXX XXXX. I did not do business nor agree to do business with them. The debt is in in the name of XXXX XXXX. This is XXXX XXXX debt. 

I attempted to explain this to both XXXX and Franklin collection service and they stated they wont change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A-L FINANCIAL CORP
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Garcadia Financial LLC
State: TX

Complaint narrative:
I XXXX XXXX XXXX am a consumer pursuant to 15 USC 1692a ( 3 ). This is a notice to Foursight Capital that it is my intention to invoke my right to rescind the contract that was created on XX/XX/XXXX in between I, XXXX XXXX XXXX, a consumer and XXXX XXXX XXXX, and then assigned to Foursight Capital as an assignee creditor. 
Pursuant to 15 USC 1635 ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. 
I was never delivered the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter.

Pursuant to 15 USC 1635 ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
They have called a couple times a month starting back on XX/XX/2021 and the last call was received today XX/XX/2021 at XXXX asking about a debt that isn't mine I have told them back in XXXX I don't know who's debt that is and to please take me off their list and they have not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XXXX, I opened three business accounts with Bank of America. I was told I would be able to transfer money between the three accounts, etc. The issues I have with them are : 1 ) The very first check I deposited into one of the accounts, they held the funds for 10 days, telling me that it was customary because my account is new, and that they were getting information from my customer 's bank that the check may bounce. 

2 ) The second check I deposited, they also held for over a week. 

3 ) I could not, and still can not, transfer any funds between my three accounts. When I try to do so, the bank says I don't have any accounts to transfer between. When I tried to set up one of the accounts as another BoA account to transfer to, the message is that I am the owner of the other account, so I can not do that. So, I wrote a check from one of the accounts to transfer funds to another. I was then told the funds would be held for 8 days, because they are getting info that " the check may be returned!!!!! '' This, despite the fact that I am staring at the money in my account, and they have already initiated the deduction from the payment account. 

I have had many bank accounts in XXXX, and I have NEVER ever had any bank not provide service it claims to provide, and a bank that holds on to my funds for over a week every time. 

I believe that I am being discriminated against, because I am an XXXX. I can not imagine what other reason there would be to hold my funds for well over a week. Can it possibly take that long to clear a check? And how can a bank say my own check could be bounced ( which makes their first message that my customer 's check could bounce, very suspect ). I would like to know why the bank gets away with holding on to my money for no reason, and why the bank can disallow me from transferring funds between my own accounts. 

I have emailed my " relationship manager '' multiple times to complain about this, but she has not bothered to respond to my emails.

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 2021-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Due to COVID-19, myself and the co-owner ( Mortgagees ) of a property under mortgage with Freedom Mortgage company ( FM ) got behind on mortgage payments and were approved for a forbearance. When the forbearance was up, we requested further assistance due to the, still very present, COVID-19 economic problems. A loan modification request was entered early XXXX of XXXX and we were approved for a loan modification on XX/XX/2021. It took appx. 50 days for us to get the modification documents to sign in the mail - more than enough time for interest rates to go up in their favor, however we were still grateful and accepted the new rate. We both signed the loan modification package documents in the presence of a qualified/authorized notary and submitted to FM. It is now XX/XX/2021 and we are sending the same documents to FM for the sixth ( 6th ) time. They continually claim that we have not signed the documents in the manner that they have specified. They requested that " Borrower ( s ) must sign their name ( s ) exactly as the printed line below signature line. '' These documents were signed in the same manner our state IDs, passports, all prior loan documents, and any other document for that matter, have been signed. Despite that and the fact that there are so many legal ramifications to demanding customers forge signatures on documents - and with a real sense of duress, considering the circumstances, we signed as they wanted anyway - yet FM and their underwriters are STILL not satisfied with our signatures. The signatures, mind you, have been verified and qualified by an authorized notary on each occasion. Note that we have to pay for notary services each time out of pocket. At this point, I am convinced that what FM and their underwriters are doing is a means to delay action for as long as possible. Why they'd do that, I'm not sure. Perhaps they are hoping interests rates will change in their favor, or that they can continue to collect federal aid, insurance, or whatever else by keeping us listed as COVID-19 hardship customers in their databases. Whatever the reason, I am sure we are beyond the regulatory time limit for processing and this delay has a severely negative impact on our ability to manage our finances properly and care for our families. One of the agents we spoke to [ XXXX ID # XXXX ] who is a very nice guy, and did all he could to help, mentioned that despite the fact that we have not submitted signed documents, the modification is technically approved and will not impact our ability to make payments, refinance in the future, etc. If that is the case, why in the world do we need to sign and submit these documents???? Please help and do everything possible to ensure this complaint is not used by FM to harm us going forward. Thank you.

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 2021-09-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I purchased my vehicle XX/XX/XXXX. The dealership submitted the incorrect county ( XXXX XXXX ) to DMV for taxes. I live in XXXX XXXX. XXXX XXXX sent Kia Finance a bill for {$770.00}. Kia Finance paid the bill and then charged my account for those taxes. I contacted Kia Finance several times in XXXX to make them aware i do not live in XXXX XXXX and this tax bill is incorrect. They advised they will submit to their tax department to resolve. In XXXX my statement still reflected the taxes. i contacted Kia finance again, this time i was advised they can not correct the error i need to call the county to correct. I contacted XXXX XXXX and they confirmed they deleted my vehicle from their system and DMV was updated to show my correct county of XXXX. They also confirmed they returned the refund to Kia finance. My XXXX statement still showed the tax bill from XXXX XXXX. I called Kia finance again and was advised i needed to submit my registration and an explanation of why i feel i am not responsible for the taxes. i advised them the refund was sent to them, however i kept being told they can not call the county to track down the refund and that i had to call. The county advised i am not the owner of the vehicle and therefore kia finance needed to call them to resolve. Mid XXXX i started to receive collection calls. instead of them contacting the county to find out where their refund was they starting applying my payments to the tax bill and therefore showing me as past due and calling me to collect. i spoke to several agents pleading with them to call the county to resolve with no one taking ownership to assist. I contacted the title manager at the dealership to help me resolve since they made the error on my tax locality, Kia finance refused to talk to her to resolve. Now we are in XXXX. up until a week ago i was still receiving collection calls. i spoke with a rep name XXXX. she put a hold on the collection calls while she submitted a request to the tax department to research. She called my Friday XX/XX/XXXX to inform me the tax department confirmed they did receive a refund check from the county yet it still has not been applied to my account and therefore my account is still showing past due affecting my credit. This is ridiculous that this has been going on for 3 months, with no resolve. There has been nothing but push back on me as the consumer to resolve an issue i did not create. it makes me not even want to keep the vehicle.

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 2021-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
I am making a complaint about the amount of times they call to collect a this debt. I am a month behind currently and they call multiple times a day. In the last week, they have called me multiple times. XX/XX/XXXX : XXXX and twice at XXXX. XX/XX/XXXX : XXXX, XXXX, and XXXX. XX/XX/XXXX : XXXX, XXXX, and XXXX. XX/XX/XXXX : XXXX and twice at XXXX. XX/XX/XXXX : XXXX and XXXX and today, XX/XX/XXXX : So far at XXXX and XXXX. 
I have the right to not be harassed by a debt collector and at this point, they are harassing me. I understand being behind and they need to make calls but you do not need to call me multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
After sending this collection agency letter after letter they are still trying to collect money on an account that the charity has been written off on. I have no clue why they are still sending me letters requesting money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: FL

Complaint narrative:
On XX/XX/21 customer support told me they would send me a bank statement for XX/XX/21 transactions. Today I called customer support to verify info sent was sent. Because of pending investigation from a detective from the XXXX that needed specific detailed info of the transactions he told me he would have to resend info due to info sent did not include specific info. Because IC3 is involved with this pending XX/XX/XXXXcase. I informed FBI today of such conduct. They have said since CFPB refused to do the case thru customer support to file a dispute with them. Direct Express is the subject of matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: GA

Complaint narrative:
vanceHoffman, This is not my account I have no knowledge about this account,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
I have a mortgage for my primary residence at XXXX XXXX XXXX XXXX, XXXX, NM XXXX, with Rocket Mortgage. XXXX XXXX from Rocket Mortgage called in late XXXX and offered me an opportunity to lower my mortgage payment by changing the loan term from 15 years to 30 years. Me and my wife have a high credit rating and stable jobs but lowering our financial burden is desirable at this time. So we went along and made some financial plans anticipating a lower house mortgage payment in near future. We really thought it will be a quick process since we already have mortgage on the house with them. We completed the application, provided needed information and documents, consented to pay all their fees for the loan refinancing. Later we were told that appraisal was a bottleneck and if we stick around she will get it done. In XXXX XXXX told me to stay patient that she will get it done and that Rocket Mortgage has never turned down a loan because of appraisal. In early XXXX she told me not to go with another mortgage company. She said Rocket Mortgage is willing to pay for the appraisal fee {$600.00} if we wait for another couple of weeks. She said she was pressing on the Appraisal Team in their office to expedite it. In the middle of XXXX I received a call from someone in the Rocket Mortgage office who said that they do not keep applications open more than 60 days. It is company policy to withdraw an application which we can not process within 60 days. " I am sorry. Please find some local mortgage company '' I thought it was unfair and deceptive process. I believe they should not be charging me so much in refinancing costs or asking for an appraisal when they already service my loan for over XXXX years and I have paid off almost half of my principal amount. Why would they even need an appraisal when they already service the loan. 
XXXX refused to talk to me or called back to explain or offer a path forward.

Company response to consumer: Closed with explanation