vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Upon noticing that Ally Bank was reporting a negative charge-off on my credit report. I sent them a certified letter requesting Validation of the unfamiliar account that they were reporting on my XXXX credit report, with notification that I was disputing the accuracy of the account. Ally failed to prove that they had the legal right to collect on the debt in question ; they were UNABLE TO VERIFY THE DEBT. In turn I received notification from XXXX Credit Bureau that the Ally account was deleted from my credit report. A few days later I discovered ALLY HAD STOLEN MY CAR. ALLY has violated my Consumer Rights as well as broken the Law. Under the Fair Debt Collections Practices Act, it clearly states that if a Creditor Can not Verify the debt they may not collect the debt or otherwise contact the debtor about the debt. I have enclosed corresponding documentation.

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 2021-09-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have invalid incorrect data on my credit report due to a CREDIT FILE MIX WITH A PERSON WITH A SIMILAR NAME. I have contacted Experian about this merging of accounts that don't belong to me and addresses that I have never lived at, received mail, or recognized newly appearing on my credit report overnight. I demand for this information to be immediately deleted : Fraudulent ACCOUNTS THAT DONT BELONG TO ME : - XXXX opened XX/XX/XXXX - XXXX XXXX XXXX opened XX/XX/XXXX - XXXX/ XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX FRAUDULENT ADDRESSES THAT I NEVER LIVED AT/ BELONGS TO ANOTHER PERSON - XXXX XXXX XXXX XXXX nc XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX - XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX tx XXXX THESE ADDRESSES ARE ATTACHED TO ACCOUNTS THAT DONT BELONG XXXX ME BUT A PERSON WITH A SIMILAR NAME DIFFERENT SOCIAL SECURITY NUMBER! PLEASE HELP ME GET REMOVED!

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 2021-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
PennyMac has failed to pay my property taxes on time for the second time in the past 7 months. This has resulted in my account being delinquent and caused me to have to pay penalties. 

The first time they failed to pay was for a property tax bill due in XX/XX/2021. I contacted PennyMac and informed them of the failure to pay. They then paid the bill but I was required to pay the penalties. 

They have failed to pay my property tax again for a bill that was due in XX/XX/2021, resulting in my account being delinquent again. I once again informed them of this problem and they paid the bill, but I was required to pay the penalties. 

PennyMac claims that they were unaware of this supplemental property tax bill, but the payment due in XX/XX/2021 was the second installment of the same bill that they failed to pay in XX/XX/2021, which means they should have been aware that a second installment was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Around XXXX XXXX I noticed a negative account on my credit report. I called to inquire about the debt. It several attempts to find the info. I noticed it was in my maiden name and the debt collection agency would not give me more info. They were interested in me paying the debt. I got a letter in the mail showing that the debt collection agency sent from the original creditor. On this bill, it has my maiden name, a very old address I lived at over 15 years ago, but the dates were several years ago. At that time I didn't even have utilities in my name and I do not use my maiden name. 
I have tried disputing it several times with the credit bureaus but it keeps coming back as validated debt. 
I called the original utility company to see why was the debt sold to a collection agency that was not mine. I spoke with 3 different representatives and no one could find the debt in their system. I provided them with all the information and there was nothing there. They found another old bill in my name that was paid in full. 
Basically, I have a debt that is reporting on my credit report. It shows the dates XXXX & XXXX for {$160.00} from Transworld TSIXXXX. The original credit ( XXXX XXXX ) has no information on this debt. They were unable to locate it. I am not sure how this TSIXXXX  got this debt. 
It is reporting on my credit report on XXXX XXXX XXXX which is negatively impacting my credit score. I should not have to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
Not long ago I noticed I had multiple unauthorized transactions on my XXXXXXXX XXXX with the title " XXXX XXXX  XXXX  ''. I had traced it back to my XXXX  XXXX  account where I saw multiple purchases. I contacted XXXX XXXX  regarding the transactions, they denied any compensation and told me to address the concerns with the company. They provided contact information and it was for a game titled " forsaken world '' I contacted them explaining the situation that my XXXX XXXX  account had been compromised and there were all these unauthorized transactions. They refused to refund. Back in XXXX I had lost a phone with no lock screen, so I'm assuming that is how they got a hold of my account. I had changed my passwords or so I thought, unfortunately I must have not changed the XXXX XXXX  that was linked. After being refused help by XXXX XXXX  and the company developer for that app, I contacted XXXX who fortunately helped with the fraud payments. However, as I was deleting all payment options on my XXXX XXXX  I noticed my debit card and XXXX  were linked. At the time I did not have a second authorization like I do now so a password was the only thing needed. I quickly checked XXXX  so the charges and contacted them. They recommended I go to my bank which I did, however my bank only covers past 60 days so I basically lost about XXXX. I'm a XXXX working full time with XXXX XXXX, so working those hard stressful hours with covid all around and haven't it be taken is devastating

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 2021-09-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have invalid incorrect data on my credit report due to a CREDIT FILE MIX WITH A PERSON WITH A SIMILAR NAME. I have contacted Experian about this merging of accounts that don't belong to me and addresses that I have never lived at, received mail, or recognized newly appearing on my credit report overnight. I demand for this information to be immediately deleted : Fraudulent ACCOUNTS THAT DONT BELONG TO ME : - XXXX opened XX/XX/XXXX - XXXX XXXX XXXX opened XX/XX/XXXX - XXXX/ XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX FRAUDULENT ADDRESSES THAT I NEVER LIVED AT/ BELONGS TO ANOTHER PERSON - XXXX XXXX XXXX XXXX nc XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX - XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX tx XXXX THESE ADDRESSES ARE ATTACHED TO ACCOUNTS THAT DONT BELONG TO ME BUT A PERSON WITH A SIMILAR NAME DIFFERENT SOCIAL SECURITY NUMBER! PLEASE HELP ME GET REMOVED!

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 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Repeatedly Capital one has, without my permission and against my previous instructions, committed fraud by provided my banking information to previous vendors with who I no longer associate. I have tried to cancel these vendors in the past even went as far as to order a new debit card every time. Still, the bank continuously keeps providing my new debit card information to previous vendors claiming we have an annual agreement regardless of my cancellation. 
Capital one calls this their policy, but as I understand fraud, this is precisely that. There are numerous recording conversations of me telling the bank that this is unacceptable, but they claim this is for my convenience. I spent incredible amounts of hours with the bank and to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Without my permission or knowledge, I was erroneously credited with an approximately {$500.00} dollar " overdraft protection. '' Later, this amount was deducted from my account, causing an overdraft that jeopardized litigation I am currently pursuing in federal court. This deduction was also made without my knowledge or permission. I contacted the bank by phone on XX/XX/XXXX, and spoke to six different people over the course of an hour. No person I spoke with could point to any document I signed or any agreement I made at any point authorizing either this credit or this debit from my account. I instructed the bank to close my accounts, but was told that they could not do so with a negative outstanding balance ( even though that negative balance was due to an unauthorized debit by the bank itself ). I then informed the bank that it was no longer authorized to conduct any business in my name, that my business relationship with it was terminated as of today, and that any further account activity would be reported to the police. The bank has been unable to prove that it has legal title to the funds that it deducted from my account without my knowledge or authorization. I therefore consider these funds stolen, and am following up with local law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Last week I received an email from Capital One. It said I could check to see if I was pre-approved for a credit card via a " soft inquiry '' that would not affect my credit score or credit report. After applying, I saw that I was pre-approved for a Capital One credit card. It explained that no " hard inquiry '' would be placed upon my credit report. 

Immediately, I received another email from Capital One stating, " We will be in touch very shortly ''. After waiting two days by my phone for a call from Capital One, I called them ( XXXX ) to find out what was happening. They explained that a " hard inquiry '' was put on ALL THREE CREDIT BUREAUS and I was refused a card because they could not ( or didn't even try to ) reach me by phone. 

After talking to a supervisor about this at Capital One, she responded with, " Go to XXXX! '' and hung up on me. This is beyond unprofessional. I spent 84 minutes on the phone trying to resolve this and they hang upon me. I did not call back. 

This is " bad faith '' business practice by Capital One. They have damaged my credit rating with a hard inquiry for the next two years. My credit score has dropped by more than 10 points due to this dishonest, lazy, and incompetent act by Capital One. 

I have a fraud alert on my credit report due to illegal activities last year and my phone number is attached to the alert. They could have easily called and verified my identity but instead mishandled my data, and now my credit report 's status has gone from excellent to good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Auto Sales Inc.
State: SC

Complaint narrative:
I bought a vehicle in XXXX? The vehicle was a XXXX XXXX XXXX. I purchase the vehicle from U S Auto Finance. I purchased the vehicle with gap insurance. The vehicle started to have multiple problems after thirty days? One of the major problems was the head gasket?? I called U S Auto finance and explained the problems! U S Auto gave me the run around, transferring me to different numbers who couldnt fix the issue? Not knowing what to do? I had the car towed to a nearby mechanic shop? Where I was still making bi weekly payments on the vehicle! Still calling U S Auto finance! With no response from U S Auto finance. I was put in medical leave, due to high risk XXXX! Once again I called U S Auto finance and told them they could pick up the car! I gave them the address to the mechanic? They picked the car up about two weeks later? I never received a Bill of sale a letter about payments or how much was owed on the vehicle? Theres no proof of any kind showing that this amount is still due!! I dont know if the car was sold? And if the car was sold how much was the car sold for?? Because its showing on my credit the same amount financed!! How is this possible when I was making payments and my gap coverage should have cover the balance. I believe this company is fraudulent. And they need to prove this car wasnt sold and still charging me the full total of this vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I did the wire transfer from XXXX and XXXX to XXXX HSBC bank and XXXX XXXX XXXX which is the fraud scammer s account from XXXX to XX/XX/XXXX .After did the wire I just knew that is a big big romantic scam are happening all of the world now, They are the illegal money washer account used by the fraud scammer all the time, so I ask the HSBC and XXXXXX/XX/XXXX to responsible it and pay me back. The wire Luring money totall is $ XXXXus dollars which are I borrowed from my friend and families. I dont know how to be lifing now, please help me to investigate these two illegal Accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Payments are paid to ally bank and we have bank statements showing payments were made, then refunded back 10 to 12 days later, and then charged as late with late fees. This has happened twice now!

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 2021-09-25 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.

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 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
To whom this may concern, I want to inform your office that you are in violation of FCRA and FDCPA. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it. The list of accused collections accounts. FOLLOW AS : XXXX XXXX XXXX XXXX XXXX, ARS, and XXXX XXXX. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter

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