vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
For at least the past two years when trying to get my free credit report from XXXX, for Equifax, I am forced to mail in my request versus online. 

I seem to arrive at this requirement when I incorrectly answer questions about my credit file to verify my identity, although a specific reason is not given. I appreciate Equifax takes these measures. 

However, one of the question was regarding an account opened in 2002. It is completely unreasonable to expect a consumer to remember if a particular account was opened 17 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 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: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: WI

Complaint narrative:
I am disputing the charge that was placed on my credit report by XXXX and XXXX XXXX for {$2800.00}. I ordered a phone, XXXX, and watch from XXXX but did not receive the devices. I contacted XXXX and they told me to contact the police and file a police report, then they would send me new devices. On XX/XX/18, I contacted the police and filed a report. Then, I contacted XXXX again and informed them that I have filed a police report so they can send me new devices. However, XXXX did not send me any new device, but still charged me for them and placed me on collection for the charge. I have sent a letter of dispute to XXXX, XXXX XXXX, and the three credit bureaus ( XXXX XXXX, XXXX, Equifax ). XXXX XXXX and XXXX both deleted and removed the disputed charge from their credit reports. However, Equifax did not remove the charge from its credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: AZ

Complaint narrative:
I traded in my old XXXX for a newer one and set up payments on auto pay as I've always done over the past 7 years with impeccable payment history. 

XXXX failed to take out the payment from my auto pay and didn't contact me until I was past the 30 days. 

I've NEVER Missed a payment to XXXX. I had the money in my account, and this was their mistake. 

This is hugely impacted my credit score for something that was not my fault.

Please let me know what you can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
XXXX XXXX and Goldman Sachs opened a Ccard with $ XXXX credit line. A scam

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: Diversified Adjustment Service, Inc.
State: WI

Complaint narrative:
I am disputing the charge that was placed on my credit report by XXXX and Diversified Adjustment for {$2800.00}. I ordered a phone, XXXX, and watch from XXXX but did not receive the devices. I contacted XXXX and they told me to contact the police and file a police report, then they would send me new devices. On XX/XX/18, I contacted the police and filed a report. Then, I contacted XXXX again and informed them that I have filed a police report so they can send me new devices. However, XXXX did not send me any new device, but still charged me for them and placed me on collection for the charge. I have sent a letter of dispute to XXXX, Diversified Adjustment, and the three credit bureaus ( XXXX XXXX, XXXX, XXXX ). XXXX XXXX and XXXX both deleted and removed the disputed charge from their credit reports. However, XXXX did not remove the charge from its credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: VA

Complaint narrative:
I received a notice for debt collection from American Coradius International dated XX/XX/2019. On XX/XX/2019, I sent a debt validation letter via mail and fax to American Coradius International, stating that I do not owe any debt and challenging the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls and received another letter to attempt to collect this debt that I do not owe. I have had to send another letter today via fax and will send it once again by mail. I do not owe this debt and want the calls, letters and attempts at collection to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
LOANCARE PERSISTS TO BILL ME FOR TAXES AND INSURANCE ON A MORTGAGE THE SERVICER CREATED AN ESCROW FOR IN ERROR I have sent numerous emails and made even more phone calls to LOANCARE A XXXX XXXX COMPANY - to have the escrow attached to my loan REMOVED. 

This loan never had escrow on it. ( I put down 25 % down-payment and it was structured as a conventional loan whereby I paid only the Principal & Interest. I paid taxes and insurance myself. Last year, Loancare erroneously remitted property tax for this loan to the local tax office. I refunded completely - PAID LOANCARE IN FULL for the remitted taxes almost immediately after the servicer remitted the taxes. Nonetheless, months after making the full payment of the remitted taxes and even after numerous efforts to communicate with LOANCARE, and with them promising to make the adjustment of their error, I continue to be fraudulently be charged Taxes and Insurance and they have persistent to bill me for escrow on a mortgage that I personally and directly pay taxes and insurance to, and which should NOT have escrow attached to it.

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 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
This company ( Westlake Financial Svc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
1st ) XX/XX/XXXX I received my first letter from a company called Cashnetusa.com regarding a cash advance that I never took out, for {$300.00}, due XX/XX/XXXX TEL : XXXX I immediately called the company and told them that I never applied for a cash advance from the company & I have never heard of the company until I received the letter from them. They told me to file a police report to prove that it was identity theft and fax them the police report, which I did. 

2nd ) XXXX XXXX, XXXX I received my second letter from Cashnetusa.com for {$310.00} due XX/XX/XXXX. 
TEL : XXXX I obtained a police report as requested on XX/XX/XXXX Faxed police report to Cashnetusa.com on  XX/XX/XXXX 3rd ) XX/XX/XXXX I received my third letter from Cashnetusa.com for {$310.00} due XX/XX/XXXX TEL :  XXXX 4th ) XX/XX/XXXX I received my fourth letter from Cashnetusa.com for {$310.00} due XX/XX/XXXX TEL : XXXX 5th ) XX/XX/XXXX I received my fifth letter from Cashnetusa.com for a settlement offer for {$230.00} due XX/XX/XXXX TEL : XXXX 6th ) XX/XX/XXXX I received my sixth letter from Cashnetusa.com for a settlement offer for {$150.00} due XX/XX/XXXX TEL : XXXX 7th ) XX/XX/XXXX I received a letter from a creditor company called XXXX XXXX for {$620.00} ( No due date ) TEL : XXXX 8th ) XX/XX/XXXX I received my first letter from a company called XXXX XXXX XXXX XXXX XXXX for {$230.00} due XX/XX/XXXX TEL : XXXX Ex:XXXX 9th ) XX/XX/XXXX I received my 2nd letter from XXXX XXXX XXXX for {$300.00} due XX/XX/XXXX TEL : XXXX Ex:XXXX XX/XX/XXXX XXXX XXXX XXXX , an identity fraud support caseworker from a credit monitoring company called XXXX XXXX contacted Cashnetusa.com with me and we spoke to XXXX XXXX XXXX who asked me some questions regarding the cash advance. She asked me if my birthday was on XX/XX/XXXX, I told her no. 
After I clarified my correct date of birth with XXXX she told both XXXX XXXX and I that she would close the case against me, due to the fact that the person who took out the cash advance had a different birthday from me. 

10th ) XX/XX/XXXX I received my 3rd letter from XXXX XXXX XXXX for {$98.00} due XX/XX/XXXX TEL : XXXX Ex:XXXX 11th ) XX/XX/XXXX I received a letter from XXXX XXXX , Wage Garnishment Division, Restitution Amount : {$690.00} & Garnishment Amount : {$2000.00} due 10 days of the date of the letter TEL:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hi, I was called by Recover Portfolio and the gentlemen on the other line threatened me if I don't take care of the debt that legal actions will be taken. I have no recollection of any purchase with XXXX XXXX  or Recover Portfolio loan. Please take it off my credit history. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
While checking my credit report I noticed an account that was not mine that was in collections/chargeoff. 
The information is Original Lender XXXX XXXX XXXX XXXX. 

Bureau Name CMRE FINANCIAL SERVICES Date-XX/XX/2019  Amounts- {$3200.00} This should be under my fathers report. 
We have the the same name exception of are middle name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
SYNCB/OLD NAVY CHARGEOFF Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

Notice Period I hereby give you 10 ( ten ) days from the date of this notice to reply to it with a Notice, sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Notice of Terms Your said failure to provide the aforementioned documentation within the said ten days to validate the debt, will be taken to constitute your agreement by acquiescence to the following terms : 1. That the debt is in fact either invalid, did not exist in the first place or has already been settled in full.

2. That for any damages I suffer you will be held culpable 3. That any negative verbal or written remarks made to a credit reference agency will be removed.

4. That estoppel results, ( meaning that you can not and will no longer pursue this matter any further ).

Accordingly, the minimum you must do in order to carry on a lawful and honourable dialogue in this matter is to reply appropriately in some way within the ten-day period. Should some such reply not be received within this time you may as courtesy be sent a further and final notice confirming that the status of the alleged debt is as stated in the paragraph immediately above this one, although this is not lawfully required. Your company are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

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 2019-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
BARCLAYS BANK DELAWARE/ CHARGEOFF Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX  : house of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <XXXX XXXX XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

Notice Period I hereby give you 10 ( ten ) days from the date of this notice to reply to it with a Notice, sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Notice of Terms Your said failure to provide the aforementioned documentation within the said ten days to validate the debt, will be taken to constitute your agreement by acquiescence to the following terms : 1. That the debt is in fact either invalid, did not exist in the first place or has already been settled in full.

2. That for any damages I suffer you will be held culpable 3. That any negative verbal or written remarks made to a credit reference agency will be removed.

4. That estoppel results, ( meaning that you can not and will no longer pursue this matter any further ).

Accordingly, the minimum you must do in order to carry on a lawful and honourable dialogue in this matter is to reply appropriately in some way within the ten-day period. Should some such reply not be received within this time you may as courtesy be sent a further and final notice confirming that the status of the alleged debt is as stated in the paragraph immediately above this one, although this is not lawfully required. BARCLAYS BANK DELAWARE are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

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 2019-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I don't recall opening a loan for either XXXX XXXX XXXX or Monterey Lending. I believe it was fraudulently opened when I lost my wallet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation