vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: TX

Complaint narrative:
Attention Compliance Manager : I recently received a result letter from a dispute letter mailed as I have enclosed that letter for your convenience. Under FCRA 611 ( a ) referencing an erroneous or inaccurate item ( s ) on the credit report involving some type of transaction that I am not familiar with. I was upset and saddened to learn that you somehow verified this disputed item, stating to leave it on the report. I am absolutely certain that these items I disputed is incorrect and should be deleted, you have given me no choice but to exercise my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate the accounts in question and disputed. 

XXXX XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX -If inaccurate, incomplete, or unverified, I demand deletion. 

I am eagerly interested to learn how your investigator arrived at this erroneous conclusion. I demand to see a complete list of all and any documents along correspondence from each person contacted. I need you to include all names, addresses, and contact information of employees that you spoke to as part of this investigation including the date and time with phone number given. 
I have enclosed all previous letters that I sent to you previously but are once again enclosed along with this correspondence in order to help you process this request demanded. This verification is critical because my credit report and credit scores are very important and of value to me. I believe it is being unjustifiable, hurtful, and unworthy to a consumer like myself who truly cares about his credit. These unfortunate errors reporting need to be deleted in order for me to be competent and able to maintain great and attain credit. I am in the process of organizing and laying the groundwork for a possible legal case, so I need certain and specific answers related questions I have demanded within this letter based on your information supplied. I expect to receive a response from your company within 15 days upon receipt of this letter, or you have a choice of deleting this from my credit report as I also expect to see the item in dispute permanently deleted from my credit report based on the unreliability of the information furnished.Thank you for your prompt attention. I look forward to getting this crisis resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Leased XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Paid monthly payment {$430.00} on time every month and returned the vehicle on XX/XX/XXXX prior the the lease end date. Dealer provided me with the Vehicle Return Receipt XXXX attached XXXX that he and myself signed agreeing the car was returned on time with no damage. It was at that time that I was told there was nothing else I needed to do and I left the dealership. On XX/XX/XXXX I had a missed call and voicemail from XXXX XXXX asking me to contact them at my earliest convenience. I called back that same day and spoke to a representative who said I needed to pay a " return fee '' for my lease. When I originally leased the car I made sure to ask the dealer if there was return fee, as I had experienced this with a past lease, and they said " we do not do that ''. Therefore I was a bit surprised by the representatives call saying I needed to pay this but agreed to as she said it was required. After paying she said everything was taken care of and nothing else was needed on my end. It has now been brought to my attention that this payment was late and is effecting my credit negatively. When I spoke to the representative she did not make mention of the payment being late and did not make mention of past attempts to get in contact with me. In looking at my XXXX account I see mail correspondence was sent to my old address and never got forwarded to my current address. If there were additional calls made to me regarding this I was unaware as a voicemail was never left until XX/XX/XXXX. If I had been made aware of this when dropping off my car and signing the vehicle return receipt I would have paid it right away but I was told everything was completed and there was nothing else I needed to do.

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 2021-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I applied for a personal loan through Avant months ago and have made payments timely. I've been helping family during COVID-19 and this was the only loan I could get at this time. The interest rate is 35.99 % and I've asked for a lower interest rate and was told they can't do this. It's an excessively high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
The bank paid off the lease XX/XX/XXXX and we had to involved the attorney general then, the bank paid car off now XX/XX/XXXX we tried contacting gm financial for title and they keep blowing me off and each time I spoke to someone they say ten days and the bank never received the title I gave them every thing they ask for and it's still a delay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
I purchased an XXXX XXXX XXXX from XXXX XXXX in XXXX az on XX/XX/XXXX which I brought the car for XXXX at XXXX a month for 72 payments thru American credit Acceptance I been paying on time every month since I purchase the car and I notice my payment amount isn't going down at all barely so I called credit acceptance and the told me most of my payment is going to the principal and really not towards me paying off the car at all if I have known this I wouldn't have got myself in this type of loan the way they have me set up I will never pay off this car I even put XXXX of my hard earn money down and the car lot made me feel I will payoff this car very fast I feel I'm getting ripped off can someone please help me or show me how to refinance and get a better deal I'm a mother of XXXX and a grandmother of XXXX on an budget I didnt know all of this working and minimum paying job I would on never got myself in this financial crisis

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: GA

Complaint narrative:
There are several inquiries for which I didn't grant written or verbal approval to perform.

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 2021-05-01 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: DISCOVER BANK
State: MN

Complaint narrative:
Attached is our complaint in PDF. After reviewing this issue with my lawyer, we found multiple Metro 2 reporting compliance issues. We are requesting the inaccurate late payment to be removed or we will see Discover in court. XXXX and XXXX already deleted the account for violations against the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was referred by a friend about the {$400.00} sign up bonus with Capital One. I read the terms and it seemed quite simple so I decided to proceed and entered the promo code XXXX XXXX I have a screen shot to prove it ). I opened the account on XX/XX/XXXX and I had to receive 2 direct deposits totaling {$1000.00} or more within 60 days of account opening. After this was completed the {$400.00} bonus would be paid by XX/XX/XXXX. I received direct deposits as follows : of {$1100.00} on XX/XX/XXXX, then {$1200.00} on XX/XX/XXXX, then {$1200.00} on XX/XX/XXXX, then {$1200.00} on XX/XX/XXXX. I exceeded the requirements and still did not receive my bonus and it is XX/XX/XXXX. I called Capital One yesterday and they said I did not put the promo code in, which is a total lie because I made 100 % sure to do this, otherwise I would not have opened the account. I took a screenshot just in case something like this happened. They are saying there is nothing they can do and of course I am helpless against a large financial institution so I dont know how else to go about fighting my case other than submitting here. I know for a fact I entered the promo code. I called back today and no case had been submitted so the gentleman submitted it ( or at least he says he did XXXX, but this time I took note of the case ID. I referred my wife and my sister and the exact same thing happened to them and I noticed numerous people online are in the same situation. This is fraud on Capital Ones part, or in the very least - false advertising. Please help me to make them responsible for falsely enticing customers to open an account and then not making good on their promises. I can provide the screen shot of the promo code attached to the account opening confirmation, because Capital One says there is nothing they can do. This is very frustrating, and I will have my wife and sister submit a complaint as well. Thank you very much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I Have worked hard a American XXXX man to repair my credit from when I was young and In the XXXX services. Many of the Accounts attached to my credit are blatant fails fraudulent charges. like the fact that I used the Yellow Ribbon Program and my Post XXXX XXXX  XXXX to attend XXXX XXXX and Yet XXXX has charge my credit with a XXXX dollar delinquent credit that should not exists. Especially since I went to school online and all the classes where paid for by XXXX XXXX. What is worse is I have several Charges on my account for inquires I never made and A car company I don't own money too and Is to old to be on my account. Even with all of the inaccurate data between all three Bureaus I can see, My credit is showing as worse than my wife credit when I have never missed a payment in 5 years and I make almost three times the money she does. I believe this to be a fact solely do to the XXXX of my skin and I see this a purley foul play. How is it that i make XXXX XXXX a year along yet, I can't get a credit card without being willing to do a secured card? Yet, my wife only makes XXXX XXXX a year and has a credit card with a XXXX XXXX limit? How is it a XXXX man I served with with no Job can get a credit card with a XXXX XXXX limit and has a XXXX credit score even though he owes XXXX XXXX on the card with several missed auto payments since 2014 yet. I cant even get one from Major card companies and the ones that will only give me a XXXX limit? It's insulting and demeaning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
As of XX/XX/XXXX, my job was affected through COVID-19. As on XXXX, I was offered a job a XXXX, and continue be on and off lay off, it can be verified through layoff on news articles, and currently not working due to XXXX complications in the first trimester. Ive called Credit Acceptance if they have any hardship plan that I was able to qualify for during the COVID-19 Pandemic. Unfortunately I was denied. As of XXXX my XXXX XXXX XXXX was Repossess by XXXX XXXX. I paid in the dollar amount of {$690.00}. In order for the truck to be released, unfortunately that would be the only reliable source of transportation meanwhile I find a Suitable and permanent place of employment. As of XXXX I also mention to them that, I mention to them prior repossession occurred that I mention I did call for a hardship program but they mention they did not offer such assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CO

Complaint narrative:
I have spent countless hours trying to resolve an already settled debt for {$1100.00} owned by Receivables Performance. I have called them during business hours two weeks in a row with no answer or call back after leaving a voicemail in addition to sending emails and written communication to request any information regarding the debt that they state I owe. The debt collection company does not answer or acknowledge my communication, nor have a way to make a payment ( even though this was settled in full with the previous debt owner ). This company is horrible and needs to be shut down. They are ruining my credit and no matter how many times I dispute via the major credit companies ( XXXX, XXXX, etc. ) it is added back to my 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 explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect , Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX XXXX, Regional VP XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX We leased 3 apartments at XXXXXXXX XXXX XXXX  for a job assignment in XXXX XXXX, LA. One of the workers was diagnosed with COVID, and we had to end the work assignment early as it was on a military base. 

We contacted the XXXX XXXX Property Manager, XXXX XXXX many times via email but she never responded. On our last day, we returned all keys. Two employees hand delivered the keys to XXXX XXXX. 

We began receiving collection letters and calls from Procollect , Inc. We requested documentation from Procollect but they never sent us anything. We emailed and called XXXX XXXXXXXX XXXX  and was ignored. Last week, we contacted XXXX XXXX XXXX via phone and email. Again, we requested documentation to support the alleged " late fees. '' No one will send us anything. 

We understand they could not collect due to covid, so we think they created late fees instead. Again, they won't provide anything in writing. 

Procollect expects us to pay this debt via phone without any documentation.

Now, Procollect has filed a collection on our credit file. 

We are seeking documentation immediately and the removal of the collections from our credit report. 

THank you, 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 2021-05-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief