vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX and I am a cardholder at Comdata, and I have been a victim of fraud. And I have submitted my claims online like I was ask to and yet I have only received just a little over {$200.00}, when I have been stolen much more than that, ( over XXXX ) I would like to know that status of my claim. I have not had any reach out to me and I am falling behind my bills. I feel that I shouldnt be responsible to these withdraws when I had called COMDATA to close my card because it was stolen and they submitted my request for a new card but never close the stolen card. I was exposed to a tremendous loss of all my funds and I am requesting a refund, due to a lack of processing a request. I submitted my claim on XX/XX/2021 and it been almost months and I havent heard anything from the fraud claim department. I have filed a police report and I have attached it along to this letter. I will also include a summary of the claims and the dollar amount that I have submitted. 

XXXX XXXX XXXX XX/XX/2021 {$43.00} XX/XX/2021 {$200.00} XX/XX/2021 {$23.00} XX/XX/2021 {$200.00} XX/XX/2021 {$100.00} XX/XX/2021 {$200.00} XX/XX/2021 {$42.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$120.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$300.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00}

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 monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account, ONLINE INFORMATION SER, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I received My paid off statement in the amount of over one million That does not even include the forbearance amount of {$60000.00} I am requesting the pay-off amount be lowered to the original amount of the note that I signed in XX/XX/XXXX. As you are fully aware this was one of those negative amortization loans that will never be paid off. I have paid my monthly mortgage like clockwork regardless of my hardship during the recession for over 10 years. I have my payment history to supply verification of this fact. My loan was paid on time when I was with XXXX XXXX, regardless of the federal and state lending violations by XXXX XXXX, including unfair business practices and time wasted on bad faith loan modification offers that never materialized. As a result, I filed a lawsuit against XXXX in XXXX of XXXX.Unfortunately, I had to name Select Portfolio Services in the lawsuit. I am providing you with a copy of that lawsuit that was settled with your attorney XXXX prior to going to trial. I am providing you with a copy of all the documentation for your review that clearly authenticates all of the unfair business practices, misrepresentations, refusing to accept payments without any reasonable explanation, fraudulent concealment, violation of the Fair Credit Reporting Act and negligence by XXXX XXXX for the past 10 to 12 years. I have all my copies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Barclays Bank Delaware XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX 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 2021-11-04 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX Suntrust DBA Lightstream XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 2021-11-04 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I originally sent a dispute out to all 3 bureaus ( XXXX, XXXX, and XXXX ) to have Kia Motor Finance and XXXX accounts removed from my credit report do to false and misleading information on my report/file. XXXX is reporting that I owe {$18000.00} and Kia Motor Finance is reporting that I owe {$11000.00}. XXXX immediately deleted all the following accounts from my report because they knew they didn't have my consent to actually report these fraudulent accounts on my report/file. XXXX & XXXX haven't budged one bit one removing these accounts from my report even though I filed and FTC report as well. I was on the CFPB website and I read something stating " Credit reporting companies must forward your dispute, including all relevant information, to the furnisher ( the company that originally gave the information to the credit reporting companies ). if the furnisher corrects your information because of your dispute, it must correct that information with every credit reporting company with whom it has a relationship ). These accounts do not belong to me and also there was NO consent given to report anything on my credit profile.

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 2021-11-04 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: OH

Complaint narrative:
XXXX is participating in deceptive practices I have reached out to the company numerous times about fraudulent accounts that are on my consumer report. I even educated them on the federal laws that they were violating and they still decided to violate my rights. 
They are in violation pursuant to 15 U.S code 1681 b permissible purposes. They are also in violation pursuant to 15 U.S code 1681i ( 5 ) ( B ) ( ii ) ( iii ) deleting items off of my report and putting them back on without sending a reinsertion letter. Furthermore, they are reporting an account on my report that is not only fraudulent but it is being reported incompletely because it has no account number. I've sent over my Ftc report that they said they could not accept I've sent over an affidavit of truth and i have sent my letter to them certified with a return receipt so I know they have received my demands in writing. Federal law also states that when an account is being reported as the fraud it needs to be removed within 5 business days but XXXX keeps telling me that they won't take it off. I already have enough evidence to sue XXXX in a federal courtroom for the multiple violations but I want to give them one last chance to fix there wrongdoing.

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 2021-11-04 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: OH

Complaint narrative:
XXXX is participating in deceptive practices I have reached out to the company numerous times about fraudulent accounts that are on my consumer report. I even educated them on the federal laws that they were violating and they still decided to violate my rights.

They are in violation pursuant to 15 U.S code 1681 b permissible purposes. They are also in violation pursuant to 15 U.S code 1681i ( 5 ) ( B ) ( ii ) ( iii ) deleting items off of my report and putting them back on without sending a reinsertion letter. Furthermore, they are reporting an account on my report that is not only fraudulent but it is being reported incompletely because it has no account number. I've sent over my Ftc report that they said they could not accept I've sent over an affidavit of truth and i have sent my letter to them certified with a return receipt so I know they have received my demands in writing. Federal law also states that when an account is being reported as the fraud it needs to be removed within 5 business days but XXXX keeps telling me that they won't take it off. I already have enough evidence to sue XXXX in a federal courtroom for the multiple violations but I want to give them one last chance to fix there wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified account, AWA COLLECTIONS XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracy on my Credit Reports. This account, ENHANCED RECOVERY CO L XXXX, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the MIDLAND CREDIT MANAGEM XXXX still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TrueAccord Corp.
State: AR

Complaint narrative:
This company is illegally trying to collect a debt that was XXXX in a bankruptcy chapter XXXX back in XXXX. It has been 18-19 years since this was discharged. Statute of limitations also prevents this company from continuing to contact me. There first contact was XX/XX/XXXX, then again on XX/XX/XXXX. XXXX ( XXXX XXXX XXXX sold this debt After Discharge and opened it up after it was written off. This company needs to cease any and all further contact. There attempts to get me to respond to There shenanigans which will open this debt and put it back on my credit report is XXXX. They need to stop NOW. I no longer have paperwork on the bankruptcy due to it being over 15 years almost XXXX years old. So how am I to send proof when it has already fallen off credit report and I no longer live in CA, and am not required to keep copies past 10 years.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I XXXX XXXX XXXX, entered into a consumer credit transaction with CHRYSLER CAPITAL on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CHRYSLER CAPITAL took cash. The finance charge is suppose to include insurance, but CHRYSLER CAPITAL made me purchase insurance separately. CHRYSLER CAPITAL is in violation 15 USC 1611. XXXX XXXX XXXX willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable. 

Pursuant to the provisions of the Truth and Lending Act ( TILA ), 15 U.S.C. Section 1635, I hereby rescind the above-referenced loan, due to violations of TILA, including but not limited to the unlawful failure to give timely and proper notices required under TILA. 

With this letter, I hereby exercise my rights under the Federal Truth in Lending Act, 15 U.S.C. 1635 and Regulation Z, 12 C.F.R. 226.23 ( b ) ( 5 ) to rescind the above referenced Auto Loan. The Truth in Lending disclosure statement was defective for the following reason : CHRYSLER CAPITAL is in violation of 15 USC 1605. ( a ) ( c ). This transaction included a finance charge and the finance charge is suppose to includes insurance which protects the creditor against the obligor 's loss, and property damage. CHRYSLER CAPITAL did not include my insurance in my finance charge and made me purchase seperately. 

CHRYSLER CAPITAL is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. CHRYSLER CAPITAL in fact took cash as shown in the attached exhibits. 

CHRYSLER CAPITAL is in violation 15 USC 1611. CHRYSLER CAPITAL willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civily and criminally liable. 

Pursuant to 15 U.S.C. 1635 ( f ), my right to rescind this loan extends for three-years as a result of this defective Truth in Lending disclosure statement. This rescission notice has been sent to you within that time period. 

Please be advised that your security interest on my vehicle is now void per 15 U.S.C. 1635 ; Regulation Z 226.23 and you have twenty-days to return all of the payments I have made on this loan and to do your part to terminate the security interest on my vehicle, terminate loan and also as remedy pay the attached invoice for violations of federally protected consumer laws prasuant 15 U.S.C. 1601 which includes double my finance charge which you are liable for, I need my title lien free, and my vehicle returned, also I REVOKE and TERMINATE any and all POWER OF ATTORNEY that was given during the consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mobiloans, LLC
State: IN

Complaint narrative:
Mobi Loans-whomever they sold their accounts to is making threating calls

Company response to consumer: Untimely response
Consumer complaint received 2021-11-04 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

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 2021-11-04 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
I was sent an email saying that I was approved for a personal loan, sent me the contract in a PDF file and everything, looked legit, but then they wanted me to go purchase a {$500.00} XXXX gift card after depositing {$890.00} and change into the account, I gave them the info and now I realize after reaching out to the actual company that this was scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hi, my name is XXXX XXXX XXXX. Somebody stolen my check and cashed the money from capital one on XX/XX/2019. The total Amount is XXXX. Capital one refused to gave me the refund. They said I was waiting too long to contact them. I did wait 7 months to contact them after I found out. But this is not my fault. I already filed a complaint from CFPB before, Capital one says I need send them affidavit, but I already send it to them XXXX year ago. They wont answer my phone or return my call. They wont wan na resolve my problem. I will send them the affidavit again if I can get my refund. If not, I wont do it again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX is showing the two following accounts on my credit ; LVNV FUNDING LLC Account XXXX and XXXX XXXX Account XXXX The two accounts do not show on XXXX or XXXX where my credit reads over 720+ but on XXXX because of these two fraudulent reports show a score of XXXX. Neither company is the real party in interest. Neither company ( debt collectors ) can provide any legal capacity to attempt to collect or report an alleged debt. There are no court orders or judgement ( s ) in place and therefore where there is no contract there is no claim! The entries are in direct violation of Ohio Revised Code 1321.45 and MUST be deleted. Further I was not notified of the 'requirement to authorize ' them before you closed out my previous complaint. Stop shielding them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am hereby filing a written complaint against Equifax. I have sent over seven certified letters to the credit bureau to verify the incorrect information on my credit profile. Equifax is reporting XXXX XXXX XXXX late for 10 months in XXXX and in XXXX, XXXX and XX/XX/XXXX. They are also reporting a repossession and the car was never repossessed. These information are incorrectly being reported. I am requesting they remove this account immediately from my credit file. I have not received any communication from them about these late payments and they are yet to verify the validity of their data. They have not made any attempt to try to rectify this urgent matter. I initiated the verification process with them in XX/XX/XXXX and I am yet to reach a resolution. Im hereby seeking assistance and resolution. If this can not be resolved in a timely matter I will be forced to file legal action with the assistance of my attorney. Equifax please remove all late payments for this account and remove repossession status.

Company response to consumer: Closed with explanation