vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX, XXXX, XXXX XXXX did conclude a Consumer Credit Transaction with the ( 2 ) herein named business entities XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX [ XXXX ] and CAPITOL ONE AUTO FINANCE XXXX XXXX XXXX ; XXXXXXXX XXXX [ XXXX ]. The Truth in Lending Act is intended to inform consumers about the cost of credit. This same act is intended to protect consumers against abuse and deceit by presumed creditors and XXXX XXXX has been abused and deceived. XXXX XXXX is aware of and has proof in attachments and exhibits mailed ( hard copies ) to The Consumer Financial Protection Bureau via USPS Certified Mail No. # XXXX XXXX XXXX XXXX XXXX received by this Bureau in its mailroom on XXXX XXXX XXXX. Copies and attachments of the same were also mailed via USPS Certified Mail to both herein named business entities as well as the FEDERAL TRADE COMMISSION. CAPITOL ONE AUTO FINANCE and XXXX OF XXXX XXXX are in violation of 15 USC Sec. 1605. A finance charge is the sum of all charges in a Consumer Credit Transaction. Both herein named business entities ( assumed creditors ) failed to inform CONSUMER of his RIGHTS OF RECISSION under 15 USC Sec. 1635. RESPONDENTS are also in violation of 15 USC Sec. 1611. Both business entities named and identified herein willfully and knowingly failed to provide/disclose the required information pursuant to the provisions of 15 USC Sec . 1601. RESPONDENTS are now criminally and civilly liable. See RIGHTS OF RECOURSE under UCC 3-311, UCC 3-603 and UCC 3-604. Both herein named business entities accepted the promissory note/security instrument. See also 15 USC Sec. 1602 ( h ) through ( n ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: GA

Complaint narrative:
experian, XXXX and XXXX have not included an open account XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX  ) that was opened this year, this account is open, paid on time and now has a XXXX credit balance, pls have them to include this open acct

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 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank shut down my accounts today and withdrew {$2400.00} with no warning. I called them today and they could not give me the reason. They just said they had the right to do it as a part of my agreement. I know have to wait for checks to arrive in the mail in order to pay my Bills. This will cause me a lot of unnecessary work since I now have to change my direct deposit for update and update the accounts for all my ach transactions. The escalations XXXX disconnected the call when I requested a better resolution to the issue.

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 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX you replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX Appalled by that information, I went directly to ( XXXX ) and in response to my inquiry they claim to have never VERIFIED the Bankruptcies with Transunion. I also have a email from ( LCI ) stating they did NOT provide Transunion with my Bankruptcy information. This would mean that the bankruptcies is by law considered XXXX. 
In XXXX, and XXXX Transunion used XXXX to verify Bankruptcies per TRANSUNIONS website both of my Bankruptcy were filed in XXXX, and XXXX. There is no way XXXX could of provided Transunion with this information. XXXX do NOT have any Bankruptcy for me in their system. XXXX attaching a letter form XXXX as well stating they do not have any Bankruptcies in their system for me. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

I have enclosed the email from XXXX for your inspection, and a copy from Transunion website stating that they started using XXXX in XXXX, XXXX. Please DELETE both of the Bankruptcies from my credit reports as it is NOT verified!

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 2021-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc.
State: MT

Complaint narrative:
gm financial hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to repossess a XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2021 at my home address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX i was not home at the time they left no paper work at all so i could not contact anyone. i finally got ahold of gm financial got the number XXXX i called the guy for XXXX left numerous messages, told i had the key, we played phone tag and i could not get ahold of him. my wife called to and left a message the XXXX asking them to send me the repossession paperwork and she also stated we had the key. i got a certified letter on the XXXXXXXX-2021statinf their would be a 50.00 handling fee and 5.00 fee a day for storage for 30 for unclaimed property. i called 0n XXXX-2021 asked for a prepaid envelope so i could send them the key i also stated i did not want any of the personel back a phone charger blanket and 2 camping chairs. i was than told they cut i key already and i would need to pay the 200.00 fee. i notified them i had the key and i am disputing these charges. they should have legally left me the paper work on the XXXX-2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: VA

Complaint narrative:
Provided XXXX police reports, an FTC identity fraud report and all required documentation to Equifax regarding fraudulent inquiries on my credit report over XXXX weeks ago and they are the only reporting agency that has failed to correct the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Vehicle loan or lease — Lease
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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Honda financial reported past due balance after bank error returned payment the payment was not late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Ive been a Bank of America   Customer for over ten years & this is the second time Ive had to file a complaint to get an issue resolved. One would think that they would value their customers more. On XX/XX/2021 I allowed my wife to use my credit card in the amount of {$5000.00} as a downpayment towards legal services with a company by the name of XXXX XXXX XXXX. The total amount due was $ XXXX that would be made in increments. She made an initial payment of $ XXXX and then another $ XXXX on XXXX the XXXX 2021. Payment would consist of services pertaining to tax restoration, tax filing, trust setup, legal documents & legal assistance. Once my wife got a court date the dynamics of the deal took a turn. We have come to find out these people are fraud and are not able to deliver on any of the above. The group consisted of four individuals. XXXX XXXX ( first contact ) was suppose to handle tax affairs. Her spouse XXXX XXXX was suppose to handle the trust. XXXX XXXX XXXX were suppose to handle legal affairs. XXXX informed me that she recently met the others and to stop paying because they were fraud and were not going to deliver on services paid for. I have attached a thread of text messages. No services have been rendered what so ever. These people are fraud and according to 15 use 78 they are in violation of liability for misleading statements and Bank of America is in violation of 15 usc 1666. I would like my fund returned to me immediately. Bank of America just decided to rule in favor of the crooks, they never even asked me for any proof. After speaking with bank of america they stated that merchant supplied 51 pages of proof for services rendered. The only information they could have supplied is the information I filled out on intuits website. These people are a fraud and cant possibly think I would ever try to do business with them ever again. case numbers for bank of america 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 monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRSTBANK PUERTO RICO
State: VA

Complaint narrative:
I took out a car loan with First Bank of Puerto Rico back in XX/XX/XXXX. I completely paid said loan on Tuesday XX/XX/XXXX. When paying off the loan, I accidentally made an excess payment through their online portal for the amount of {$490.00}. I contacted the bank throughout the month of XXXX to get the payment back and have been compliant in providing evidence from my primary bank, XXXX XXXX XXXX XXXX EXHBT 1 ). Even after showing the evidence, the bank denied having received the payment. After several weeks on XX/XX/XXXX, I get a letter dated XX/XX/XXXX stating that they did indeed receive the payment and that they would be sending me a check with the amount ( EXHBT 4 ). 

To this day, I have not yet received the promised check from the bank. I keep calling every month and their Department & Lending claims staff say they have tried sending the check to my address and that it is not valid. This does not make sense as they sent the letter saying they would pay the money back to the same address! 

They have also stated that they have called my phone number which is false as I have not received any calls ( XXXX ). They never call me back to try and resolve the issue and just say " They will try to escalate and get back to me '' It has been 4 months of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: I.C. System, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX I sent a letter to the 3 major bureaus outlining inaccurate and unverified accounts on my report. It is almost 60 days later and I have not received remedy. The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be deleted from my credit report. IC  systems is in violation of consumer rights and reporting false information on public consumer reports.

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 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland credit management contacted me by phone and by mail numerous times attempting to collect money from me regarding a charged off XXXX XXXX account that I have never had. They have sent me a pre-legal notice on XX/XX/XXXX stating that legal action would be taken against me if I did not pay this accused debt. I responded to the letter asking for debt validation because I did not know who Midland Credit Management was. My letter clearly asks the company to provide me with written validation of a contract between them and I so that I could understand why they were demanding me to pay them, and they did not provide that. They instead sent in one envelope including one letter from MCM dated XX/XX/XXXX stating the company was uncertain of what I was disputing and a second letter from XXXX XXXX  dated XX/XX/XXXX stating that a credit card was cold to MCM. I contacted Midland Credit management via phone on XX/XX/XXXX and explained to them that I did not have a XXXX XXXX  account and they needed to stop reporting the the bureaus that I owed them. They agreed to cease and desist the account but refused to stop reporting to the agency even though they have failed to provide non-generic debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
On XX/XX/2021 an account with XXXX XXXX XXXX XXXX XXXX was opened fraudulently. I have strong beliefs my identity has been stolen and used to open this account. I had no knowledge of this account until XX/XX/2021 when my credit took a huge dip on XXXX XXXX due to a collection. ( AARGON COLLECTION AGENCY ) however i never received a letter or phone call or email from them. I contacted them but they insisted they couldn't help me until I gave them my social security number. They said my name and address and phone number weren't enough I didn't feel comfortable so I didn't and hung up. This all feels very unprofessional and shady. I'm not sure what is going on but I know the account was never opened by me and the collection company had no information on me and they want my social security but I dont know if it's safe. And now they want payment on a collection they put out on me when they dont even my information.

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 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized Credit inquiry XXXX XX/XX/2020 XXXX to the FCRA, a credit bureau is required to respond to the consumer and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. I have tried by mail and also phone with no response and lack of effort in assisting with this issue. As a consumer i feel violated and ultimately devalued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
this message is for XXXX and XXXX. this is nothing against the two companies. i had a couple of debts with USAA in the past. they turned the debt over to a collections agency i am assuming in XXXX. i got calls from different collections agencies saying they have taken over the debt. one with was XXXX XXXX XXXX XXXX  and another company calling from XXXX. but whenever i called this number back it said it's no longer in service. the person who called me from that number was a female and said it was a debt owed to USAA turned over to them on the XXXX then she said the XXXX XXXX XXXX so which is it? i have no clue. i think USAA is trying to get money from me by any means necessary. i reported the XXXX XXXX already. now im reporting USAA again for the millioneth time about this stuff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: NC

Complaint narrative:
this message is for XXXX and Equifax. this is nothing against the two companies. i had a couple of debts with XXXX in the past. they turned the debt over to a collections agency i am assuming in XXXX i got calls from different collections agencies saying they have taken over the debt. one with was XXXX XXXX XXXX XXXX and another company calling from XXXX but whenever i called this number back it said it's no longer in service. the person who called me from that number was a female and said it was a debt owed to XXXX  turned over to them on the XXXX then she said the XXXX of nov. so which is it? i have no clue. i think XXXX is trying to get money from me by any means necessary. i reported the XXXX company already. now im reporting XXXX again for the millioneth time about this stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, fully authorize this investigation. Last week I thought I saw an unauthorized account on my credit report which would be XXXX XXXX and a collection. Please forgive me I mistakenly thought it was unauthorized but I fully have verified that the account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LAKEVIEW LOAN SERVICING, LLC
State: AK

Complaint narrative:
On XX/XX/2021, Lakeview Loan Servicing ( XXXX XXXX XXXX ), without authorization, took {$2000.00} from my Personal Bank account. On XX/XX/2021, the same company took from my bank account the regular authorized monthly payment of {$1500.00}. I discovered the issue on XX/XX/XXXX, and contacted XXXX on XX/XX/2021 so they could refund the unauthorized funds. However they opted to begin an " investigation. '' I spoke to the company last Friday and they instructed me to contact them on XX/XX/XXXX so I could be given the results of their fraud investigation. 

This is the second time the company has taken this action.

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 2021-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I was approved for a XXXX month trial plan from XXXX XXXX. I made the last trial plan payment on XX/XX/XXXX and of the date of this complaint XX/XX/XXXX I have not received the modification documents to sign to get my loan current so I can resume making timely payments. I have called every week since XX/XX/XXXX and continue to be advised that the review is still in process and continue to wait for the modification agreement to be mailed to me. I am given no reason why it's taken over 30 days for me to receive the agreement. I have complied with the terms of the trial plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
This will be my XXXX time disputing items on my credit report that I did not authorize. I am NOT an attorney or XXXX party rep. I have a legal right to dispute anything on my own credit report. The following accounts are mines : -FEDERAL XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation