vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I demanded this be removed immediately. I have already filed litigation concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: TX

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
SW Credit place on my credit report that I owed {$120.00} from XXXX formally XXXX XXXX. I never received any notice from SW Credit and paid the debt on XXXX because I was told the debt would be removed once payment was received. I contacted XXXX for an itemized bill and they stated they are are unable to provide because XXXX XXXX is no longer. I currently have a XXXX acct, have has XXXX since 2019. When I opened the acct. no one ever told me I had an outstanding balance and I didn't not have to pay a deposit to open my XXXX acct.. Then all of a sudden I have a collection acct on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I've been disputing my credit file with Transunion, XXXX and XXXX to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts. 

Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX reports {$0.00} HighBalance on all my revolving accounts. TransUnion Last payment does not coincide with TransUnion payment data history, XXXX does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX Chase bank placed a HOLD on checking account funds in the amount of {$920.00}. They can give no explanation why. They can't tell me specifically who requested the hold or who at the bank entered the hold ... only the supposed comments which various departments there are disputing the reason for the hold. The HOLD is in effect until XX/XX/XXXX, which I'm told is simply unheard of, cuz, c'mon ... we'll all be dead by then. We have zero documentation to provide for this amount. It just randomly showed up on XX/XX/XXXX as a hold on the account and we can't go under the {$920.00} amount or it causes the account to overdraw. 

Over the past 2 years I've inquired in person at the local bank branch multiple times starting when my elderly mom added me to this account to assist her. It's a total pass the buck and instructed to " call this XXXX # '' dealing with them. I've inquired via online meetings but after several meetings, the representative assisting dropped off the face of the earth unable to resolve it within their organization. I've inquired by multiple phone calls. Today, XX/XX/XXXX, I spoke with personnel in the following departments : Customer Service. HOLD Dept. Decedent Dept. Each one tells me something different and literally passed me back and forth between those departments for 2 hours ending with claims that a supervisor or specialist getting back with me. Usually they just disconnect me so at least is was a successful series of denials of responsibility this go around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I believe that recent changes to the Capital One website are designed to confuse consumers so as cause payment issues thereby resulting in the collection of late fees. With having both a Mastercard & Visa card through XXXX, and with them now having acquired my Walmart card, I have three accounts on the opening screen to differentiate between. XXXX has eliminated information that could help differentiate ... card number has been reduced to just the last four numbers, MC & Visa logo/info has been removed, and while each account 's payment due date was formerly indicated, that info has also been removed. I attempted to make a payment on the XXXX for XXXX of the accounts where the payment wasn't due until the XXXX. During that process, I got confused as to if I had made the payment to the correct account, cancelled, and attempted a resubmit. I received an email today that the payment didn't go through correctly. I called Capital One but they were unwilling to adjust the payment even though they could see it, or remove a late fee. 
I work hard to make my payments on time, and am 110 % certain that there would be no issue except for their meant-to-deceive website. I can only imagine the trouble they are causing their card holders, especially the elderly and others who get easily confused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22 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: Strategic Automotive Servicing, LLC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
HI COI ; XXXX ; : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc.
State: GA

Complaint narrative:
I purchased a used car from CarMax in XXXX. We arranged financing with our credit union, and we're prepared 2 go back home, a two-hour drive, and pick up the check the next day and return to pay off the vehicle. However, our sales person, XXXX XXXX, said that was not necessary. Rather, we would sign the paperwork for a CarMax loan, and have the credit union overnight the payoff. And as long as the payoff arrive within a week, the loan would be cancelled and no further action required. So we arranged for the check to be cut right then in there, while we were filling out the paperwork. The credit union cut the check on the XXXX and overnighted it. I called carmax on the XXXX and got verification that they had received the check for the full amount of the purchase. Nearly two months later, I received a phone call from CarMax, stating that our loan with them was in arrears because I had made no payments on the loan. I told them that we had paid the loan off within two days of making the purchase. I subsequently received another phone call a few days later stating the same thing, you are now in arrears with your loan. The name of the person was XXXX. I asked her to speak to a supervisor and get someone on the phone 2 determine why they were not cashing the check from the credit union. at one point they said they had sent the check back to the credit union. A few minutes later, they said no, they had the check and I would apply it to our account. Today I got another phone call from a specialist name XXXX who said that the check had expired because they never cashed it oh, and they wanted me to provide them with another check. I can't provide them with another check, and they need to contact the credit union and get the credit union to replace the check that they never cashed. we have spent hours on the phone with them so far, and they insist that they can not send me anything by email, by text, or by mail oh, the only thing they can do is tell me on the phone courses of action that they want me to take, to fix there office problems! At this point I do not know what else to do. This does not seem legal that they can refuse to accept check to provide for the payoff of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX the entire credit card fee was paid off in its entirety, however then I got an interest charge of XXXX which I do not agree with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: ERC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Genesis Lending
State: FL

Complaint narrative:
XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Called my phone to speak to someone else. When hung up on she called my phone back to call me names and uneducated and try to lecture or guilt me into feeling bad for hanging up, and would not let me speak to a supervisor. I have asked this company numerous times to STOP calling me or it would be harassment, I am not even the person they are looking for yet they still call daily. Also when they call they do not say who they are and why they are calling they just ask for the person. They do not identify themselves at all.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
upon checking my credit report I noticed some accounts that I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
The Complaint : Mr. Cooper Loan Processor XXXX XXXX placed in writing and verified for closing costs and loan amount of $ XXXX and Loan amount of {$95000.00} then refused to honor this and came back with {$1500.00} for a closing cost which is over double the amount sending these new closing costs as justification. Then XXXX XXXX Loan Processing Team Lead used the posture and positioning of her title as a bully pulpit to force a close with the new closing cost price in attempts to white wash and explain away what Mr. Cooper 's Loan Processor XXXX XXXX placed in writing for closing costs and loan amount. 

In addition, my loan information was exposed to another Mr. Cooper customer named XXXX XXXX in a email concerning loan information by Mr. Cooper Loan Processor XXXX XXXX. 

The entire struggle and discrepancy is just about Mr. Cooper to keep Mr. Cooper 's Word. 


Enclosed is the loan information from Mr. Cooper Website also placed in writing by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: TX

Complaint narrative:
I applied for a mortgage and a debt collection agency was on my account for a XXXX credit card that is under a different name. XXXX XXXX  acknowledges that the person who opened the account is paying and her name is XXXX XXXX XXXX, but they will not send a letter to the debt collector or the credit bureau stating that this was erroneous for up to 60 days. This was their mistake. That isn't even my name. It is ruining my credit and keeping me from getting a home. The account with XXXX  isn't even on my credit report! The reference number is XXXX with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
Back in 2020, I had a collections show up for XXXX XXXX  that I have disputed in the past with another collections agency. The account was removed and deemed fraud. I have never ever had XXXX XXXX  in my life. Since I have found out about this account in 2020 I have made all steps to protect my credit against fraud, using multiple companies to alert me of anything that appear or if someone tries to use my credit. I pay {$450.00} for 3 separate services monthly. As soon as this hit my account, I was made aware. I was never sent a letter from this company before they abruptly added false and fraudulent information on my credit. To date, the company has not been able to produce anything with my signature stating I agreed to any such services or agreed to pay any amount. The last information was when it was removed after filing a report here and it was marked as fraud with XXXX XXXX. This is causing me extreme XXXX  just as I started getting my life back to normal. It came at such a surprise, I had to leave work and come home. This is not good for my health right now. I have also contacted my attorney in regards to this. I want this company to remove this off my account immediately as it is not my account and I never agreed to any services with this company nor did u sign any contract signing up with this company. The amount of this account is rather significant for cable TV which is another concern for legit consumers. If the account isn't removed, I will be taking steps for damages not only to my credit but my mental and physical health as this is fraudulent 100 %

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: OH

Complaint narrative:
Transunion lowered my credit score after paying down my credit cards from 112 percent usage to under 33 percent usage, which should have raised my credit score by 29 points, instead on XX/XX/2021 they lowered it by XXXX points, On XX/XX/2021 when I called to find out why I was told to file a dispute online so that they can look into why this happened, and someone would get back with me in 14 days, when I called today I was told that they could not correct any issues because I had filed a dispute on XX/XX/XXXX, I told them to cancel the dispute, they said it has been more than 14 days since it was filed and they can not that I must wait up to 30 days for the dispute to end so they can update my account. this was a set up to freeze my credit score.

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