vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Unauthorized use of credit report. I'm not submitting my personal information through this portal. I don't want my information to be breached. I've provided address, DOB, last four of SSN.

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 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: NY

Complaint narrative:
I checked my consumer report and noticed an error on there. Debt from XXXX is being reported late 150 days late in XX/XX/2019 and 120 days late in XX/XX/2019. I disputed the error to the bureaus on three occasions explaining that how can an item be late 150 days late and then 120 days late? I requested verification and the bureaus never provided verification but continued on saying the debt was accurate and verified. I never gave any of the three bureaus permission to furnish the debt on my consumer report to begin with. That violates my consumer rights, pursuant to 15 USC 1681b ( a ) ( 2 ). I recently received a letter from a debt collection agency by the name of capital management services in regards to the debt mentioned. I know they are a debt collection agency because they stated in the letter that " This is an attempt to collect a debt ; any information obtained will be used for that purpose. This communication is from a debt collector. '' That also violates my consumer rights due to the indication of collecting debt. Debt collectors are not supposed to use any symbol on an envelope ( which they did ) or indicate that they're in the debt collection business. This is identity theft and both the credit reporting agencies and collection agency are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My account was Hacked/scammed from fifth third bank. My savings XXXX my checking account XXXX account number XXXX as well as their credit card attached to on line banking account # XXXX XXXX XXXX XXXX over XXXX. I filed a police report with XXXX police report # XXXX. I filed with fifth third fraud department. They have been denying my claim ever since now they are messing up my credit report with their credit card which I told them I will not pay. I hired a company XXXX XXXX  to get my money back. Her name at XXXX XXXX is XXXX XXXX she tried filing this complaint on my behave # XXXX. I received a letter from you saying she filed this complaint on my behave but did not identify herself so I'm filing this complaint my self. I hope you can help me with this I'm been fighting them since XX/XX/21. They had no security in place whatsoever and let them clean out my Life 's Savings. IAll fifth third was worried about is me closing my account which I told them I will not do until I get my money back. They automatically closed account on XX/XX/21 and sent me a check for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I received an email from Western Union on XX/XX/2021 to confirm my email address to complete an account registration and a second email with a PIN to use. I did NOT open a Western Union account. The email was address to " XXXX XXXX '' but is using my email address. I have attached screenshots for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
I tried contacting them on XX/XX/XXXX to pay this in order to get it deleted from my credit. They refused so I called the originator of the debt and that was when I found out that they returned this debt to the originator in XXXX as uncollectable, yet they are still reporting it on my credit report when they do not own the debt. This is why they couldnt delete it, because they do not own it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I attempted to reach this company by phone yesterday XX/XX/21. I advised them that my boss had received a collection letter which we need to dispute but that I do not need any account information, just two pieces of contact information. ( 1 ) Is there a fax number where we could send a dispute so it can be verified received faster? ( 2 ) Is there an email address for the same reason- for XXXX XXXX ( signed the letter ) or anyone else? 

They flat out refused to give me CONTACT INFORMATION for CHOICE RECOVERY. They kept telling me for privacy reasons they could not give out account information. Well, of course not, which is why I wasn't asking for account information. I asked for contact information for a debt collection agency- and they REFUSED to give it to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: VA

Complaint narrative:
on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX placed a collection on my Trans Union credit report in the amount of {$1500.00} in which I have no clue what it is for. I have never heard of this company nor have I ever been contacted by this company. I have researched them and have found that they have scammed many people. I have filed a dispute with TransUnion and I have also filed a complaint with the XXXX. I want the collection removed from my credit report immediately and I also want them to refrain from putting the collection back on my credit report in the future. 

TransUnion somehow verified XXXX & XXXX XXXX  collection as accurate which I know is not the case. I feel TransUnion did not do a fair an accurate investigation into this matter. If TransUnion did do an accurate and fair investigation into this matter they would have learned that the debt that they are saying belongs to me with XXXX & XXXX XXXX is way past the legal time in which they can report it on my credit report because legally a collector can not report a debt on your report when it is past the time allowable for reporting the debt under the Fair Credit Reporting Act ( FCRA ). The FCRA states that delinquent accounts can appear on your credit report for 7 to 7 and a half years from the date you defaulted on the original account. If a collection agency threatens to report a debt on your credit report beyond the legally permissible amount of time, you may have a claim under the FCRA for violating your rights.

I would like TransUnion to verify the date of the originally delinquency with XXXX & XXXX XXXX  from the original creditor. Just don't verify my name and address like they did in the original so called investigation. 

TransUnion did not do me justice by keeping an inaccurate collection on my report. I am asking that TransUnion permanently remove the inaccurate information from my 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 2021-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I received an initial communications letter from Radius Global Solutions LLC on Monday XX/XX/2021 stating they are trying to collect a debt that I do NOT recognize. On XX/XX/2021, well within 30 days after receiving their letter, I sent them a letter to the stated correspondence address disputing the validity of the debt and requested validation of the debt. The letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. On XX/XX/2021 I sent them a follow-up letter notifying that they have failed to validate the referenced debt and that they are still reporting the account as valid in violation of the FDCPA. Again the letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. The collections account has been continuously reported and is still currently, credit report shows the account was updated XX/XX/2021, being reported on my credit reports as a valid collection account.

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 2021-09-21 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: MI

Complaint narrative:
I had my car repossessed by Wells Fargo illegally in 2008. 2 years ago I received notice of the CPI settlement, and by the terms I am entitled to around $ XXXX. They have refused to communicate with me for almost 2 years now. When I call I get passed around, placed on hold forever, or hung up on. I have been told they cant find my account yet I just received a {$24.00} check for overpayment of repo fees from 2008. If they can audit something from 13 years ago then they have my account info and are just refusing to pay what they were required to by the CPI settlement.

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 2021-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX OF XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I PURCHASED A XXXX XXXX  XXXX AND WHEN I WENT TO GET INTO THE CAR TO GO HOME WITH THE CAR I NOTICE THE CHECK ENGINE LIGHT WAS ON AND THE DEALER SAID IT WAS PROBABLY DUE TO IT SITTING UP AND THEY HAD JUST PUT GAS INTO THE VEHICLE AND ADVISE ME TO DRIVE IT ABOUT 50-100 MILES AND IT SHOULD CLEAR, I DROVE THE CAR BACK TO XXXX TX FROM XXXX AND THE LIGHT WAS STILL ON SO I BROUGHT THE CAR BACK TO THE DEALER AND THEY KEPT THE CAR UNTIL I CAME BACK FROM OUT OF TOWN WELL WHEN I GOT BACK THE LIGHT WAS STILL ON AFTER THEY TOLD ME IT WAS FIX SO I AGAIN LEFT IT THERE AT THE DEALER TO FIX IT. I WENT BACK TO XXXX TX TO GET THE CAR BACK IN XXXX XXXX AND UPON GETTING IT BACK I ASK FOR THE REPORT OF WHAT WAS WRONG AND IT STATED THAT THE OIL WAS BACKING INTO THE MOTOR SO THEN THE LIGHT WAS OFF. LAST MONTH IN XXXX I WAS DRIVING THE CAR AFTER I GOT BACK FROM OUT OF TOWN AND I GET ON THE HIGHWAY, I CAME TO A RED LIGHT AND AS THE LIGHT CHANGE I GO TO MAKE A LEFT TURN AND THE CAR CUT OFF IN THE MIDDLE OF TRAFFIC SO I CALLED A TOW TRUCK FOR THEM TO COME TOW IT TO XXXX  HERE IN XXXX TX. IT WENT INTO THE SHOP XX/XX/XXXX AND IT STAYED THERE TIL LAST WEEK. COME TO FIND OUT THE MOTOR IS GONE ON THE VEHICLE AND ACCORDING TO THE DEALER/XXXX  THE PRIOR OWNER DIDNT KEEP UP THE UPKEEP ON THE CAR AN THEREFOR IT RESULTED INTO SLUDGE BUILDING UP INTO THE MOTOR. I HAVE CALLED THE DEALER AND TRIED TO SEE WHAT THEY CAN DO TO HELP ME WITH THE INCONVIENCE AND I WAS TOLD THAT ITS NOTHING THEY CAN DO, IVE CALLED THE FINANCE COMPANY THEY TOLD ME THAT I CAN HAVE THE DEALERSHIP UNWIND THE DEAL BEING THAT THEY SOLD ME A LEMON AND I CALLED AND SPOKE WITH THE GM MANAGER XXXX XXXX AND HE TOLD ME HE CANT UNWIND THE DEAL BECAUSE THEY WILL BE LOSING MONEY BUT I HAVE LOST MONEY, TIME, AND A CAR THAT I CANT DRIVE. IVE CALLED THE FINANCE COMPANY AGAIN AND I ASK THEM IF I CAN VOLUNTARY TURN IN THE VEHICLE AND THEY SAID YES BUT IT WILL STILL HIT MY CREDIT AS A REPO. I ASK BOTH THE DEALER AND THE FINANCE COMPANY TO HELP TO SEE WHAT EITHER CAN DO AND BOTH SAID NOTHING. I HAVE GAP, A WARRANTY, AND EXTENDED WARRANTY AND NEITHER WILL HELP OR PAY FOR ANOTHER MOTOR DUE TO THE PREVIOUS OWNER NOT KEEPING UP THE MAINTANCE ON THE VEHICLE. IVED FILED COMPLAINTS AFTER COMPLAINT AND STILL NOT GETTING ANYWHERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My checking account has overdraft protection and will automatically debit my savings account if overdrawn. At some point USAA FSB reversed this so my savings was being protected by my checking account. My checking was overdrawn and a charge was returned to a merchant and I was charged a fee. When I called USAA FSB admitted all this but were not able to fix the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hyundai Finance made an unauthorized inquiry on my credit report on XX/XX/2020.

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 2021-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
In XX/XX/2021, sent a dispute letter to XXXX, XXXX and XXXX to remove Hyundai Finance from credit reports according to 15 USC 1681B - Permissible purposes of consumer reports I did not give XXXX, XXXX and or XXXX written consent to report any information on my consumer reports. 
XXXX deleted this reporting and this was recorded and reported to me via XXXX XXXX on XX/XX/2021. 
This reporting is still taking place today on XXXX and XXXX, which is fraud. Hyundai Motor Finance has committed fraud and admitted by deleting information from XXXX. 

On XX/XX/2021 I sent correspondence via certified mail to Hyundai Motor Finance information them that I am the ORIGINAL CREDITOR and I do not owe any debt to them. 
I included the following : -Cease and Desist -Affidavit of Truth -Debt Validation Letter The certified mail receipt was signed by their agent named XXXX XXXX on XX/XX/2021. 

Letter dated XX/XX/XXXX, received notice from Hyundai Motor Finance ( photo attached ) regarding information of the account # XXXX which details active account, dealership, VIN #, etc. 

Letter dated XX/XX/XXXX, received notice from Hyundai Motor Finance with copy of Retail Installment Sale Contract with Finance charge information. The Finance charge was supposed to include insurance according to 15 USC 1605. Finance charge is the sum of all charges payable directly to the original creditor to whom sale was extended. 

Letter dated XX/XX/XXXX, received notice of cease of communication of verbal communication but they will continue to send mail. Outstanding balance in full and repossession of the vehicle is also noted in letter. 

Many violations according to 15 USC 1692 has been violated.

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 2021-09-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

9. Identity Theft XXXX CRD Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.

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 2021-09-21 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: CA

Complaint narrative:
I filed a dispute with XXXX in regards to incorrect items on my credit report, it has been well over 30 days ( 45 days specifically ) and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a checking account statement on XX/XX/2021 for an account that was opened fraudulently in my name. There was a XXXX balance and no activity at that time on the account. I immediately contacted TD Bank customer service and fraud departments to report the fraud and close the account. I didn't understand how the account was opened since my credit has been frozen with all three credit bureaus for many years. I was told that a credit check wasn't done. I thought that was required!!! I also filed a police report on that day. 

I sent a XXXX letter on XX/XX/XXXX restating the problem and requesting the account be closed. I asked for written confirmation that it was closed, that I was not libel for it and that it would not be reflected on my credit reports. I received confirmation from the postal service that the letter was delivered on XX/XX/XXXX. 

I again received a statement in XXXX still NOT showing the account was closed. As of today I have not received anything to show this account has been closed. 

My concern is that TD Bank did not perform the required credit check. If they had the account could not have been opened since there was a credit freeze on my files and I would have been contacted.

Company response to consumer: Closed with non-monetary relief