vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I reached out to Spring Oaks Capitol about a debt they placed on my credit report XX/XX/XXXX. I had prior communication with this company before they placed this account on my credit report. As stated on the paperwork they obtained or bought this debt on XX/XX/XXXX. They failed to notify me of this debt or did not give me the time to request validation before they placed it on my consumer file. As soon as I gain Knowledge that this account had be placed on my account I contacted this company disputing the validity of this account. Between XX/XX/XXXX and XX/XX/XXXX I sent out a letter asking for them to supply information to validate the debt as I do not recall obtaining this debt. On XX/XX/XXXX well past 30 days ( only after I called ), I received what seems to be a " Plan Disclosure and Account Agreement ''. This document state that it was opened online and has a electronic signature supposedly signed by me. I do not recall opening this account and this electronic signature could have very well been signed by anyone. They information they have sent me does not solidify that this account belongs to me or was even opened by me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I bought two vehicles with two trade ins. This was at XXXX XXXX in XXXX XXXX. I bought a vehicle in my name on XX/XX/2020, and a vehicle in my fiancs and my name on XX/XX/XXXX. Any how I have been having many issues. Starting off with when i bought the second car my fiance told them i was gon na co sign and ended up pulling my credit without my permission. At the end of the day it was okay as i didnt mind co-signing. Then we went up there and bought a new car on the XXXX turns out the bank didnt approve the loan so we had to sign another contract the next day and im thinking this is okay, but they pulled our credit again for that. So we leave thinking everything is done its now XX/XX/2020. 

Well last Thursday they told me I had till XXXX to send them Insurance information or they will take back my truck that i bought on XX/XX/XXXX. So i give them the information and im like okay everything is done. Fast forward to this week Wednesday XX/XX/2020, they decided to pull my credit again without my permission because the loan they had for my truck did not go through. I called him yesterday as well saying why didnt they not call me to discuss any arrangements and that it is illegal to pull my credit without my consent and he said it isnt. I told him i dont want him to pull my credit and I froze my XXXX reports. Well today he decided to pull my credit again and I actually didnt know about this until after getting information to send this to you guys.

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 2021-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Due to COVI19 i have been struggling to make my loan payment, Wells Fargo Dealer services got COVI monetary help from President and promised to help loan owners like me to put their missed payments at the end of the loan and Wells fargo dealer services has FAILED to do so, they call me to harass me and they have to mail me a statement showing the missed payments added at end of loan, they make XXXX  of dollars every quarter, the COVI relief funds Wells fargo received was for them to help struggling customers. XXXX XXXX loan # XXXX mail me statement at XXXX XXXX XXXX XXXX Fl XXXX and email 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 2021-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
I bought two vehicles with two trade ins. This was at XXXX XXXX in XXXX  XXXX. I bought a vehicle in my name on XX/XX/2020, and a vehicle in my fiancs and my name on XX/XX/XXXX. Any how I have been having many issues. Starting off with when i bought the second car my fiance told them i was gon na co sign and ended up pulling my credit without my permission. At the end of the day it was okay as i didnt mind co-signing. Then we went up there and bought a new car on the XXXX turns out the bank didnt approve the loan so we had to sign another contract the next day and im thinking this is okay, but they pulled our credit again for that. So we leave thinking everything is done its now XX/XX/2020. 

Well last Thursday they told me I had till XXXX to send them Insurance information or they will take back my truck that i bought on XX/XX/XXXX. So i give them the information and im like okay everything is done. Fast forward to this week Wednesday XX/XX/2020, they decided to pull my credit again without my permission because the loan they had for my truck did not go through. I called him yesterday as well saying why didnt they not call me to discuss any arrangements and that it is illegal to pull my credit without my consent and he said it isnt. I told him i dont want him to pull my credit and I froze my XXXX  reports. Well today he decided to pull my credit again and I actually didnt know about this until after getting information to send this to you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC
State: SC

Complaint narrative:
I bought two vehicles with two trade ins. This was at XXXX XXXX in XXXX XXXX. I bought a vehicle in my name on XX/XX/2020, and a vehicle in my fiancs and my name on XX/XX/XXXX. Any how I have been having many issues. Starting off with when i bought the second car my fiance told them i was gon na co sign and ended up pulling my credit without my permission. At the end of the day it was okay as i didnt mind co-signing. Then we went up there and bought a new car on the XXXX turns out the bank didnt approve the loan so we had to sign another contract the next day and im thinking this is okay, but they pulled our credit again for that. So we leave thinking everything is done its now XX/XX/2020. 

Well last Thursday they told me I had till XXXX to send them Insurance information or they will take back my truck that i bought on XX/XX/XXXX. So i give them the information and im like okay everything is done. Fast forward to this week Wednesday XX/XX/2020, they decided to pull my credit again without my permission because the loan they had for my truck did not go through. I called him yesterday as well saying why didnt they not call me to discuss any arrangements and that it is illegal to pull my credit without my consent and he said it isnt. I told him i dont want him to pull my credit and I froze my XXXX  reports. Well today he decided to pull my credit again and I actually didnt know about this until after getting information to send this to you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX  - incorrect info - was paid due to insurance theft for truck backed by secured loan - was paid in full never in collections remove from credit

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 2021-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
since covi 19 my loan # XXXX at Chase Mortgage, I am struggling to make payments, Chase promised to put missed payments at end of the loan and they have failed to do so as of XX/XX/21, they Harass me and they need to mail me a statement showing the balance with the payments missed added, Chase makes Billions every quarter and Chase got COVI monetary help to help all loan holders like me struggling to make the payments Due to COVI19. XXXX XXXX loan # XXXX my address XXXX XXXX XXXX XXXX Fl XXXX email XXXX I did send complaint today at state attorneys general office also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: KS

Complaint narrative:
XXXX XXXX XXXX  - incorrect info - was paid due to insurance theft for truck backed by secured loan - was paid in full never in collections remove from credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: KS

Complaint narrative:
XXXX XXXX XXXX  - incorrect info - was paid due to insurance theft for truck backed by secured loan - was paid in full never in collections remove from credit

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 2021-01-10 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: IL

Complaint narrative:
Equifax continues to list XXXX on my credit file which is false information ( see attached ). An unaffiliated XXXX family lived next door years ago in XXXX XXXX who I believe had this number. Due to fraudulent accounts that XXXX XXXX XXXX sent to collections, one the XXXX XXXX XXXX skip tracers i.e. XXXX XXXX most probably misreported this number to Equifax but the number is incorrect. 

XXXX has been my phone number for all of the 14 years I've been here ( XX/XX/XXXX XXXX and 12 years (XX/XX/XXXX ) when I lived around the corner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I've had my Capital One Card for many years. I have a very good credit score ( close to XXXX XXXX. Cap One chose to close my account for inactivity. I had not used it for a period of time. My issue is that they sent the closure notice to an email account I no longer used. They should have seen a bounce back email and known their communication attempt was not successful. At that point, Cap One should have contacted me via US Mail and phone. However, they summarily closed without my knowledge. So, I was not aware they had made this decision in a vacuum. This, of course, effected my credit score as I lost the years of history. 

I recently discovered they had closed it and called their help desk to have the account reopened which they say they can't do because it was closed due to inactivity. However, they should have given more than one notice to a non existent email account prior to closing this account and damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc.
State: NJ

Complaint narrative:
Meridian Financial Services. Notice received the week of XXXX XXXX, Responded back to the company by letter which was mailed priority mail, Company failed to respond back within the allotted time frame, Per the Fair Credit Reporting Act. At this time I am requesting the appropriate action take place. The letter was received by Meridian per my USPS tracking number on XX/XX/2020. This company has been reported as a Scam and many people have also lost money. Company has changed there name more than once. I would like this reported and amount removed from Collections from XXXX XXXX. If you need to reach me regarding additional documents. Feel free to contact my wife XXXX XXXX via email : XXXX or by phone at XXXX. 

The name of the Company in collections for is XX/XX/XXXX XXXXXX/XX/XXXXXXXX Also know as XX/XX/XXXX. 

Thanks in advance.

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 2021-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
Sent a letter to National Credit Adjusters in XX/XX/2020 requesting validation of debt.. As of today I have not received any correspondences from this company. I understand that the y had 30 days to respond to my in regards to any and all information they obtain that validates this debt and insure that it does belong to me and that they have the right to collect this debt. To be noted I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
Sent a letter to XXXX XXXX XXXX in XX/XX/2020 requesting validation of debt.. As of today I have not received any correspondences from this company. I understand that the y had 30 days to respond to my in regards to any and all information they obtain that validates this debt and insure that it does belong to me and that they have the right to collect this debt. To be noted I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My social security number has been compromised my financial information is being used the my permission I'm able to file police reports I hired a lawyer to contact any entity concerning Financial student aid social security banks debit cards or credit cards anything concerning my personal information and it's illegal usage it needs to be stopped now on my name is XXXX XXXX my phone number is XXXX and we will win ... 
My attorney 's phone number XXXX XXXX XXXX getting more questions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I got an closing account notice without any information. I called American express for answers and they find out that there are return payments and lead to account closed. However, the false payments are made by fraudster, they add bank account which is not mine and I don't even know who owns the account. I told them the situation but they still want me to provide the bank account information which I will not know because is added by the fraudster. No one is willing to help my account and the account have a value of over XXXX points which is almost equivalent to {$4000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/20 a dispute was it to be reversed and then a credit was to be applied. The reversal was done but the credit was not. Without the credit my account is in a negative balance. I have contacted bank of america several times they see I did not get my credit my but they tell me that there is no time limit on how long they can take to apply the credit. I still have not received my credit it's been almost a month now. Help me please

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 2021-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I disputed the account with LVNV FUNDING XXXX several times and every time I make a dispute they go in and decrease my credit score by 23 points. The original creditors is XXXX XXXX. I think this is retaliation and predatory tactics to try and make me pay a debt that I do not owe to this. I would like for this company to be completely removed from my credit report. This is hurting my credit tremendously. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/20, I phoned Synchrony Bank. Recovery Department, spoke with XXXX to negotiate a payoff on a debt in collections that I owed Care Credit. During our conversations, I made an offer of {$700.00} to settle a {$1800.00} debt. XXXX, explained he would submit the offer and for me to call back approximately one week for acceptance results. I phoned on XX/XX/20, spoke with XXXX, he informed me that the offer was accepted and stated I would receive a letter of agreement and that once I receive the letter I would have 30 days from the date of the letter to make the payment. I received 2 letters that were promised on XX/XX/20 both dated XX/XX/20, stating I had 30 days from the date of the letter to mail payment to settle the account per agreement in the amount of {$700.00}. On XX/XX/20, I purchased a cashier 's check from my bank and mailed the payment overnight to the address on the letter on XX/XX/20. On XX/XX/20, phoned again was told payment rec XXXX XX/XX/20 and that I didnt meet deadline 30 days from verbal on XX/XX/20. I explained 30 days from date of letter. I phoned 2 more times and was told the same thing. Requested supervisor to call each time was told not available. Please see the attached with complete detailed communications with Synchrony Bank. Not enough room in this box.

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 2021-01-10 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received my credit report in the mail and notice this account on my credit report is incorrect. I then mail them a certified letter asking them to send me documents to Show I owe the money they say I owe. All they sent me was a letter saying my account has been verified with out showing me any paperwork stating this, I sent another certified letter asking them for Proof and I still havent received anything. This account is incorrect on my credit report and its hurting me. They are not responding or sending me what I ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
On XX/XX/2020 I sent a certified letter to Convergent for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2. Also, the name on the account is inaccurate, unverifiable, and incorrect. 

# 1 who gave them my location information, # 2 where they present for this transaction that that they are referring to. # 3 I was not delinquent on anything, there is nothing that defines what delinquent is. There is no such thing as delinquencies. 

They didnt have permission to contact me Pursuant 1692 C, they didnt have my prior consent. Thats a violation. Where did you get my location information, which is my address? Who granted them permission to contact me? 
Threatening to report credit information that which isnt true, that another violation. They are violating my consumer rights ; I am a Federally Protected Consumer Under Title 15 Chapter 41. They are infringing up on my privacy and you are violating my right.

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 2021-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Hi, my name is XXXX XXXX. My company name is XX/XX/XXXX.my merchant id is XXXX. My clover email is XXXX original cfpb ref # is XXXXFiserv agreed to release {$30000.00} to me and said already sent me an check to my old address XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX without asking my current mailing address last week. But i do not live in that address anymore and i never received that check. Please make an expedited shipping with traceable courier like XX/XX/XXXX or XX/XX/XXXXMy current shipping address is XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX CA XXXXplease ship an replacement check to my current address asap.please send me tracking number after fiserv shipped my replacement check. Thank you so much.

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