vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 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: NY

Complaint narrative:
In an ongoing issue I informed EQUIFAX that there were inquiries on my credit report that I was not aware of. I initially disputed the inquiries online. EQUIFAX stated that they contacted the creditor and that the creditor verified the inquiries. I informed EQUIFAX that an application for credit can be initiated by anyone who is in possession of the corresponding information. I, along with the other authorized user, proceeded in freezing the account to discourage unauthorized use. My first correspondence is dated XX/XX/XXXX and my last correspondence is dated XX/XX/XXXX. The inquiries remain on the credit report and presently hinder our commercial activity. I have been notified by local authorities that a police report is not warranted at this time. EQUIFAX is in violation of section 605B of the FAIR DEBT COLLECTION PRACTICES ACT. I should not have to wait for inquiries to be taken off of my report over time when there are questions as to who initiated the inquiries. Please remove the inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
My XXXX XXXX XXXX XXXX was purchased by me on XX/XX/XXXX ; from XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX/ Web-site XXXX. Sales : XXXX My Car payments are due on the XXXX of every month ; beginning XXXX XXXX. 


Transactions DATE SORTED BY DATE : DESCENDING. 
XXXX XX/XX/XXXX One-Time Payment Completed {$550.00} XX/XX/XXXX Reallocations Completed {$0.00} XX/XX/XXXX One-Time Payment Completed {$550.00} XX/XX/XXXX Payment Processing Center Completed $ XXXX/gap coverage was returned to the bank ; the bank applied that money as a car payment ; I never ask the bank to do that ; the bank also charged me XXXX for the return of the gap money. The gap money should have been deducted from the original {$36000.00} loan amount. 

This is the original amount I financed and does not include finance charges. 
{$36000.00} amount XX/XX/XXXX One-Time Payment Completed {$550.00} Cash down payment XXXX was not applied to the loan ; yet, it's on the contract. the bank told me that they never got the down payment. 
The daily interest rate on-line is % 7.0 on the contract it's % 6.99. I have made all payments on the car prior to the agreed due date ; which is the XXXX of every month. The XXXX payment for some unexplained reason was not reported ; now the bank says I am behind in my XXXX payment ; that a false accusation, I have never missed a payment ; if anything I pay early to reduce the compounded interest rates.

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 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arbor Professional Solutions, Inc.
State: IL

Complaint narrative:
Arbor Professional Solutions of XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, has listed a {$530.00} charge of debt to my XXXX XXXX Credit Report. Not once did Arbor Professional try and reach me to give me a change to dispute the debt owed. 

The {$530.00} charge stems from the Fire Department of the City of XXXX, Indiana. I am disputing the debt of {$530.00} for the following reasons : This debt occurred from when at the time a minor age XXXX at the time and not my biological nor adopted child was provided a ride in an ambulance with the permission of her biological mother and only legal guardian. 

The XXXX Fire Department requested health insurance billing information on a couple of occasions and the health insurance information was provided to the XXXX Fire Department each time. 

Not once did the Fire department or any of their representatives ever reach out stating they were unable to process the medical insurance information provided to them. 

In summary, I not only do I dispute the debt owed but I also am filing a formal complaint against Arbor Professionals for never giving me a change to dispute the charge of Debt before they submitted the debt to XXXX XXXX Credit Bureau. Arbor 's Phone Number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affiliated Acceptance Corporation
State: TX

Complaint narrative:
Affiliated Acceptance Corporation diligently and willfully violated several federal laws. I reached out to them to validate this alleged debt ( obligation ) they attempted to collect as a debt collector. They stated that this account was closed in XXXX and they instructed the bureaus to delete it. However, this does not excuse them from blatant willful violations of federal laws. There is no statute of limitation on fraud. U.S v. Throckmorton 98 U.S. 61. Attached below is my first Affidavit of Truth to AAC notifying them of all their willful violations of federal law and outlining my demands to resolve these issues without any litigation. All my demands included in the attachment below are not request but only demands pursuant to 15 USC 1692c ( c ) ( 2 ) as the original creditor, federally protected consumer and natural person. If Affiliated Acceptance Corporation chooses to deceptively delay and/or state false information regarding this issue to avoid providing all my demanded remedy swiftly. I will continue my private administrative process and things will only worsen for them as this process goes on because they have caused me severe injury which is all outlined in my attachment below. I advise whoever at Affiliated Acceptance Corporation who receives this CFPB complaint and Affidavit attachment to forward it to your executive leadership team and legal team. Such individuals will understand what this documents signify and mean at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On or about XX/XX/XXXX, I discovered that Experian incorrectly reported two hard inquiries back to back one from XX/XX/XXXX and another XX/XX/XXXX from the same company. On XX/XX/XXXX, I had previously contacted the issuer XXXX XXXX XXXX who had agreed that one of the two inquires was a soft inquiry rather than a hard one. I reported the issue by mail to Experian and included the correspondence from XXXX to my dispute. On XX/XX/XXXX, Experian claims an investigation was made, the result was no resolution. My current report regarding the inquiry from XX/XX/XXXX does not show contact information of the requester, but still appears as a hard inquiry. 

The credit issuer and I agree that the inquiry should be a soft inquiry and not appear on the report. Experian continues to report incorrect information despite no information to justify publishing the false entry.

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 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This is another complaint with the same problem that still is not resolved even though the bank said they had fixed it. TD bank has problems with posting my mortgage payments properly and has problems with keeping my insurance on file. Their representatives have problems with telling the truth and based off my experience a tendency to lie. The letter I had received as a response from my last complaint had XXXX XXXX 's contact information on there. She said to call in case this was not fixed. Well her number that she provided is not a working number and is disconnected.??? I was given a new escrow analysis from TD bank reflecting the corrections promised. Then told to take that to the bank since I was never given a bill. Then make a payment based off that. I did exactly as the bank instructed. Now I received a bill with a late fee attached to my mortgage. This was supposed to be taken care of as promised. It hasn't. I feel as though this is a form of prejudice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I've sent multiple letters to XXXX, XXXX, XXXX regarding accounts, Date Opened : XX/XX/XXXX Balance : {$2000.00} Date XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Balance : {$180.00} Date Opened : XX/XX/XXXX Balance : {$1600.00} They are reporting inaccurate information on my credit report. I have asked them to investigate the items on the accounts that's inaccurate, or unverifiable and they have failed to resound to my letters. It has been 45 days with no responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I started disputing a late payment on XX/XX/XXXX with the bureaus. At that time, I did not receive any responses from them letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

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 2021-03-11 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: IA

Complaint narrative:
I started disputing a late payment on XX/XX/XXXX with the bureaus. At that time, I did not receive any responses from them letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I started disputing a late payment on XX/XX/XXXX with the bureaus. At that time, I did not receive any responses from them letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

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 2021-03-11 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: NY

Complaint narrative:
I sent out disputes to all three bureaus and I have yet to receive any response yet from XXXX, XXXX  or Transunion. This is my third time sending in a dispute and waiting for a response. All i ask is for all three bureaus to investigate and update my inaccurate information on my credit profile

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 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have continually asked for validation ( not verification ) of a legally binding contract with a signature which states business between myself and this LVNV which has yet To be produced. Old billing statements are not sources of verification. I am asking for the 3rd time for the contract between myself and LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC
State: GA

Complaint narrative:
XX/XX/2021 Called the MRS BPO at XXXX and advised that I received letter # XXXX. I advised them that the debt was included in chapter XXXX bankruptcy. I advised her that it is against the law to contact me or try to resale the debt. The rep asked my name so I gave it to her. She then said she should I had 2 last names and I advised my name again and the name shown on the letter. She then hung up and when I called back didn't answer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've sent several disputes about these inquiries I never authorized. 
these inquiries are Fraudulent on my report. I'm a victim of their inquiries issues. 

XXXX XXXX XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Hello Approximately in XXXX of XXXX my husband and I wanted to modify our jumbo mortgage with HSBC. It had taken a while so we followed up about 3 months later and were told that it is still being processed. We then reached out mid XXXX and were told to wait 6 months as it was to close to our last modification. After the 6 months we submitted again, this was now the end of XXXX. It is now XX/XX/XXXX and we have locked in our new lower rate and were told it was in underwriting however today XXXX XX/XX/XXXX ) we have been told that since the home is in o family trust ( husband and myself ) that the bank HSBC was not able to do it. this makes no sense as the home has always been in our trust and we did a modification with HSBC in the past with the home in a trust. Did a new law come into effect? 
This process has been super frustrating, incredibly lengthy and as of today very disappointing. We are good customers of HSBC and have another mortgage and heloc with them as well as bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
The person identified themselves as an employee of RCI and spoke to my ex father in law. I dont own any timeshare, but when I called to ask what it was regarding, the employee said : sorry, I called the wrong number, hung up on me, then called my ex husband. The person called from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I have yet to receive my 2019 tax document XXXX after numerous requests via phone and email. I am told that they are looking into the problem repeatedly and receive the same via email and regular mail. This has caused me to not be able to complete my tax return on time, which will lead to penalties and fees. This has gone on for a full year. There is no excuse for this omission.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/2021 I was sent an email from Paypal , Inc. Stating that my account had been limited and I was no longer able to use their services or hold an account with them. They made the claim that I was " Selling XXXX oriented Content '' Yet I have not used the account to sell anything in years, and when I did it was never anything of a XXXX nature. Looking at my transaction history shows I haven't sold anything to anyone, I have only recieved money from family, the same two people who have been sending me money for years. Paypal in making this false claim against me has frozen all the money I have to my name for 6 months wrongfully and had made a massive inconvienience on my life. I have attempted to contact Paypal , Inc. And they refused to do anything to resolve the issue or provide me with any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Comerica
State: TX

Complaint narrative:
Comerica Incorporated ( Comerica ) has flagrantly and diligently violated several federal laws. CEO XXXX XXXX, CCO XXXX XXXX and CFO XXXX XXXX are all criminally liable pursuant to 15 USC 1611 ( 3 ). Attached below is my first Affidavit of Truth to Comerica Incorporated ( Comerica ) which they received and signed for on 03/11/2021. I have outlined all of your company 's violations of federal law in detail and provided clear conspicuous break down of all related federal laws. I have not included any requests in my Affidavit of Truth below but only demands pursuant to 15 USC 1692c ( c ) ( 2 ) as the original creditor, natural person and federally protected consumer. No bank can originate, lend or extend credit and pursuant to 12 USC 1431 Comerica Incorporated ( Comerica ) are simply borrowers. My Affidavit of Truth is the first step in my private administrative process to give Comerica Incorporated ( Comerica ) a chance to resolve these issues ( all there violations of federal law ) by providing my demanded remedy included in my attachment below immediately. Failure to do this, using deceptive delay tactics or stating false informations in regard to these issues to avoid providing my demanded remedy will only worsen things for your company. Comerica Incorporated ( Comerica ) has caused me severe personal injury over at least the last 5 years. I advise whoever at Comerica Incorporated ( Comerica ) who receives this CFPB complaint and Affidavit to forward it to your executive team and legal team. Such individuals will understand what this attached document signifies and means. As this is my first step in my private administrative process, I hereby implore your company to resolve matter immediately to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
For the pass, several mouths I was receiving a debt for my same first name, but a different last name, so I threw them away. I then had someone come to my door and deliver an open letter stating that Midland credit was suing that name. I had already checked my credit report before, but I check it again. This time the debt was showing up on my credit report. I contacted them and said that I would have to file a police report, which I did. The letter that they sent out to me said that the account was opened in XX/XX/XXXX, and that Midland purchased debt on XX/XX/XXXX. I was divorced from my first husband in XXXX, with the name that was on the debt. But I legally change it back to my maiden name. A few years back, which could have been in XXXX, I had noticed a CC on my credit report that was opened and was not my card. I reach out to the company, and they said that they would close the account. They said that the people that opened it were out of XXXX. All they did was close it, and it was taken off my report. I feel like this might be the same card. I did not open this Credit Card. Somebody used my SS # to open an account in my old last name. This is fraud against me and my SS #. I have my divorce papers, and my marriage certificates to prove this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 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: TX

Complaint narrative:
ftc violations from XXXX

Company response to consumer: Closed with explanation