vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 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: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I have a credit card account from Navy Federal showing up on my credit report that is showing inaccurate information. In XXXX my ex-wife and I divorced, the judge awarded her this debt. Since the divorce my ex-wife has not paid, it has been written off and is negatively showing on my credit report. I have tried talking to Navy Federal and they have said they do not honor divorce judgments. So I went to the credit bureaus. XXXX  has acknowledge this should not show negatively on me ; XXXX  and XXXX, however, are saying that Navy Federal says the information is accurate. I have provided the divorce paperwork to all of these companies and they just keep pointing me in the direction of the other guy. 
XXXX  cleared this dispute back in XX/XX/XXXX, XXXX  and XXXX  just finished the disputes ( acknowledged that the information was correct ) end of XX/XX/XXXX however nothing has changed on my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LoanCare, LLC
State: VA

Complaint narrative:
Contacted company for removal of my record from their files. Explain it affected my credit rating. Their response was they still own my mortgage. Don't understand why. It was first loan mortgage and sold : Status Transferred, closed/Never late. 

Type Mortgage Terms 25 Years On record until XXXX XXXXXXXX Last date they reported my status : Date of status XX/XX/XXXX -- First reported XX/XX/XXXX Transferred to another lender which is my current mortgage company that reports my status to credit reporting agencies.

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 2021-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Currently having a dispute with USAA with regards to the banking issues, and per the user agreement, no litigation can be filed before the arbitration process is completed. However, USAA is not willing to pay for any fees they owe in the arbitration, the arbitration process can not be continued, and USAA still demanding payment from me for an unknown amount. Before going to the court process, wish to resolve this matter with USAA on this platform.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This complaint is for credit acceptance they over charged me an added a high interest as much as the car a XXXX XXXX  XXXX XXXX an they are charging the same amount in interest they are being sued an under scrintiny with 43 other states I don't owe the amount they say I owe XXXXI purchased the car XXXX XXXX I told XXXX XXXX my credit was bad this company suckered them though when I called they were rude to me the reviews are terrible I'm not alone. I filed a complait with the Attorney general in Michigan also I need help they said I'll be done in XXXX paying for the car I might not be living then.

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 2021-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: A-L FINANCIAL CORP
State: AZ

Complaint narrative:
My vehicle loan was set up with A-L Financial on XXXX, XXXX and was scheduled for 42 month term. I have paid all my payments with a few hiccups. In XXXX of XXXX my car was impounded and the vehicle was repossessed by A-L Financial even though I was current on payments. I understand this is to protect their investment but charging a full repossession fee of {$690.00} when someone is current is outrageous. In XX/XX/XXXX I spoke to a manager in the XXXX office and asked if my payments would be ok being paid on the XXXX if each month since my payment was due on the XXXX prior. She advised me that would be perfectly ok and to add {$1.00} in payments to cover interest which I did. After this, things went on as normal and payments being made. On XX/XX/XXXX I called and talked to XXXX about what was left owed on my vehicle since I was coming to the end of my term. She gave me a balance of $ XXXX which I questioned because I knew I should or only had 1 more payment of {$330.00} since XX/XX/XXXX would be 42 months. On XX/XX/XXXX I talked to XXXX again and requested a summary of payments. On this summary of payments it shows 40 payments of {$330.00}, 1 payment of {$360.00}, 1 payment of {$350.00}, 1 payment of {$340.00} and 1 payment of {$330.00}. Which is 40 payments of regular payments and 4 payments covering any fees told by the office that was owed. On XX/XX/XXXX I called and talked to XXXX again. She advised me that I had a balance of {$330.00} which was paid as well. When I questioned the amount and payments XXXX response was check with your accountant I asked for her to help me and she replied thats just what the system says and there was late fees. I understand that there was late fees and the total was {$300.00} which would only equal to 1 additional payment not 3. This company has charged me an additional $ XXXX in fees and supposed Interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
Direct Recovery XXXX is calling all my family members they see On XXXX XXXX and leaving detailed voice mail about my debt .... On Family members Voice-mail. It is making my family members angry because they do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: VA

Complaint narrative:
I called Equifax on XXXX and spoke with XXXX. I advised him that my credit card was not reporting on my credit and asked to dispute inquires on my report. He advised me that he could not do anything about either. My XXXX XXXX account is not reporting on my Equifax report, it is on all the other credit reporting agencies. Equifax is the reason that I spent months getting my card reactivated as they said I reported it as fraud, which was never the case. Finally after I got that fixed they stated they would put it back on my report, however that has not occurred for a year now. I want my report to be accurate and Equifax is failing to do that. When I reported this to them they said that would be up to XXXX XXXX but all other agencies are reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CA

Complaint narrative:
I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX XXXX ever since. XXXX XXXX XXXX is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name XXXX XXXX, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

XXXX XXXX is the property management company I rented the house from and XXXX XXXX is the owner of the house. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Chrysler Capital I do not owe this alleged debt as it is being fraudulently reported to the credit bureaus which is a direct violation of federal law 15 U.S.C. 1692b ( 2 ) 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; and 15 USC 1692e ( 1 ) ( 2ab ) 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I am submitting this complaint, because DESIGNED RECEIVABLE SOLUTIONS, INC has committed multiple violations and mistakes in my credit reports. This company has damaged me being NEGLIGENT AND UNFAIR. They have committed several damage. I haven't been able to get mortgage, I've been paying higher rates on loans, they have failed to secure funding, I have suffered psychological hardship and suffering through loss of sleep and anxiety. 

Accounts information : 1. Account number : XXXX, date XXXX, original balance : {$30000.00}. 
2. Account number : XXXX, date opened:XX/XX/2019, original balance : {$280.00}. 
3. Account number : XXXX, date opened : XX/XX/2019, original balance : {$510.00}. 
4. Account number : XXXX, date opened : XX/XX/2019, original balance : {$150.00}. 

Your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : The hospital failed to bill XXXX insurance. 
There were unnecessary procedures that I was put through that were not necessary. 
Hospital over-billed and made me agree to take more expensive procedures than needed. 
I was grossly over-billed for what was one hour visit. 
Unfair business practices and negligence. 

Because all the damages and violations that I have suffered, I demand to get the accounts removed from my records. I give you a deadline of 30 to do so. Please be advised that unless this these items are removed from my credit report, I will file small claim based on all the violations mentioned above. Im open to resolve this issue in a good way. If you decide to ignore me, I will file a small claim in the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
On XX/XX/2021 i was served with papers by the sheriffs dept. I thought it was over medical bills. This was actually a credit card account opened with XXXX XXXX credit card company that I did not open. On XX/XX/2021 i received in the mail a Motion for Default Judgment to appear on XX/XX/2021 in my local court. The company taking me to court is Midland Credit Management INC. I asked questions of how this account was started, what charges were made, if there was online orders. I was told they couldnt provide me with any information. only the day the account was opend and then closed. 
I explained to them that i had been paying. Explaining that I thought it was medical bills, but found out it was this credit card I did not open. Electronic withdrawals have been taken from my checking account. Dates of the withdrawals were, XX/XX/2021 confirmation XXXX {$12.00}, XX/XX/2021 confirmation XXXX {$10.00}, XX/XX/2021 confirmation XXXX {$10.00} and XX/XX/2021. confirmation XXXX. They say nothing has been paid on this bill. I inquired to where these payments have been going and my answer was send them the confirmations numbers and they will look into it. I requested so speak with someone regarding payments and i was then placed on hold without anyone getting back with me. 
I also explained that I am on XXXX XXXX and and my only income was XXXX. This is the second account opened in my name. the prior was at a XXXX XXXX XXXX. 
I requested information from Midland Credit Management about that card, date opened, what store, a photo copy of the XXXX XXXX. never got any response from Midland. 
Any help or guidance or help would be so appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
My wife and I moved to XXXX  from XXXX  on a rescue mission for our XXXX  age XXXX at the time. I rented a home at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX through XXXX XXXX XXXX XXXX in XX/XX/2019. On XX/XX/2019 we gave notice to move as we have bought a home. We moved out mid XXXX having paid the full month 's rent of {$1900.00}. In addition, I paid a pro-rated amount for the 9 days of XXXX of {$380.00} to make it a full 30 days notice. This is standard notice when vacating a property. XXXX had 6 weeks to show and rent the house. 

We left the home in exemplory condition with full cleaning and removal of all items and belongings, trash of every kind. 

XXXX, did not return our security depost of {$1900.00} and in return sent us a demand letter of payment in the amount of {$4200.00}. 

They have now hired Capital Accounts of XXXX to collect the sum. ( see attached ) With Covid a major concern these last years I find it appaling that they would go to these lengths to outstanding renters that went above and beyond to even pay a prorated amount to honor our 30 days notice. They had ample time to rerent the home but choose to charge much more for the home and leave it unrented Furthermore we even advertized the property for free for XXXX and forward interested parties to their attention, which they did nothing with. On follow up with these parties I was to find that they either did nothing with the inquiries or did not make appointments to show or the parties were completely ignored. 

I have attached two bank statements showing the payments mentioned above and a copy of the original lease as well as the demand letter by Capital Accounts. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  is location in XXXX I believe, I do not know who they are. I am on State insurance. This is and should be covered by state insurance. 

But the dates DO NOT coincide with the dates I moved to XXXX. It can not be me as I moved to XXXX over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I pulled my credit report in XX/XX/XXXX after getting several letters and phone calls from collections agencies that I owe money. I noticed several accounts that were in delinquent status. Upon further investigation I noticed that these were not accounts that I opened. I have suspicion that a family member used my information to open these accounts. When I reached out to this family member they admitted to opening the accounts and keeping the accounts current until they couldn't afford to. I did not give this person permission to open up any accounts using my information. I disputed the 3 ( Sears, XXXX and Best Buy ) accounts, 2 ( XXXX and Best Buy ) have been removed and 1 ( Sears ) remained. The account was opened in XXXX for a Sears credit card with a balance owed over {$3000.00}. Despite attempting to dispute this account the results have come back for the second time stating that it will remain on my account. I have completed the paperwork with Sear fraud department and provided them with a copy of the FTC report that I filed. I am waiting to hear from them regarding the results. This delinquent account is currently having a negative impact on my credit report and has significantly effected my credit score. I am now more vigilant with checking my credit report weekly. I signed up for credit monitoring and placed a fraud alert on my credit. I have reached out to the credit companies to report the accounts as fraud as well as all three credit buraus to dispute the accounts.

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 2021-06-07 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have 2 separate Citibank cards that they both dropped the available credit balance to essentially what I owed on each which was 35 percent or less of cards being used I had nearly 700 credit and never late on payments

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 2021-06-07 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I do not recognize any of these inquiries. I never applied nor authorized the application of these accounts. 
XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FORD MOTOR CREDIT CORP, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I went to trade in my XXXX XXXX XXXX at XXXX XXXX in XXXX, NC for a XXXX XXXX XXXX. The next day after purchase they told me to come pick up my car because it was showing paid off so I dont have a balance and could keep the car. The representative showed me where it was no balance left on the loan. The company Regional Acceptance Corporation filed a loss on the vehicle before it was paid off and I was under the assumption that I was trading the car in for my XXXX. Now the car is showing up on my credit report. I was never sent a title for the car. Nobody has contacted me about the car and I have tried disputing the charge off off my credit report numerous times and the car has been hurting my credit report every since.

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 2021-06-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have received yet another email from Experian regarding my Identity Theft Police Report. In addition to receiving letters from Experian claiming the report does not reference identity theft, and does not meet guidelines per the Federal Fair Credit Reporting Act, I receive Experian letters ( attached ) stating the following information is needed : All pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency. 

I have sent this information to Experian. I have sent it three times. I have used the postal service to send the information as well as directly uploading the documents to Experian. However, I receive the same response letter asking for the same information. 

I am attaching the Identity Theft Police Report within this complaint. Please note the Police Report is numbered at the bottom of the report as Page 1 of 4 through Page 4 of 4. I sent all four pages plus a letter from the assigned Detective, XXXX XXXX. In Detective XXXX first sentence, it reads, This report was filed the Fate DPS. So, I did send all pages of the identity theft report and the report was filed with a law enforcement agency. 

I have tried unsuccessfully to have Experian accept my Identity Theft Police Report. If you can, please let Experian know that my Police Report is not missing any information, and it is OK to accept the Report. 

Also, I have been unsuccessful in disputing the following Experian fraudulent accounts : XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX If Experian accepts my Identity Theft police Report, I wish to have the above fraudulent accounts removed from my Experian Credit Report.

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