vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I am a respected professional in the community and have spent my life building a positive reputation. Nevertheless, I have been informed that you have been maliciously spreading inaccurate and unfounded information that is damaging to my personal and professional character. 

1 ) At the time GM repossessed the XX/XX/XXXX XXXX XXXX, I was not made aware that I was in default. Furthermore, I was not notified that because of the default the XX/XX/XXXX XXXX XXXX was at risk of repossession. These conditions were stipulated in our contract. 

2 ) GM Financial did not notify me prior to selling the XXXX  XXXX XXXX. This is another condition stipulated in the contract and it is also required by State Law : Florida Statute 537.012 ( 3 ) 3 ) GM Financial sold the XXXX XXXX XXXX far below the Market Value for that vehicle. According to my estimates the market value should have been {$7700.00}. That would have paid for any default prior to GM charging off the debt.

4 ) GM Financial breached our contract in that they charged me {$100.00} for late charges. Our contract states : Five percent of the part that is late. My payment was {$270.00}. So a late charge would be {$14.00}. GM forced me to pay {$2400.00} over our contractual agreement to not repossess the vehicle. They caused the financial hardship to my family that forced the repossession.

GM breached our contract that stranded me and my family. GM sold the XXXX  XXXX XXXX without notice and far below market value. Now GM Financial is reporting inaccurate information to the credit bureaus to injure me. Under the laws in the State of Florida, it is unlawful for an individual to make deliberate statements that intend to harm a persons reputation without factual evidence or based on hearsay. The defamatory statements include, but are not limited to, the following : the damaging, injurious, slanderous comments, content, and depictions GM has been reporting / publishing to the credit bureaus. 

GM Financial sold the XXXX  XXXX XXXX far below the Market Value for that vehicle. According to my estimates the market value should have been {$7700.00}. That would have paid for any default prior to GM charging off the debt. GM Financial fabricated a debt that they have already charged off.

I presume it is their business model. It is similar to a Federal Court case they lost. Apparently GM Financial does this exact same routine on a regular base : They repossess a vehicle then force their customers to pay inflated fees and inflated prices of the vehicle to remove it from their credit report ; at the same time receiving the tax benefit of charging it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
A checking account ( fraudulent account number listed ) was fraudulently opened on line using my name and ss #. No other proof was needed, such as drivers license, photo i.d., signature, etc. I researched this problem on line and discovered this scam with Chase has been going on for at least a year. Why? Since Chase does not have the proper security measures in place to avoid this fraudulent activity, opening on-line banking accounts with Chase needs to cease immediately. Chase needs to be held accountable/responsible for continuing this negligent and improper practice of opening fraudulent accounts without proper vetting. Security measures are needed to protect victims of identity theft, which Chase obviously does not have in place. For Chase to continue this practice shows negligence and criminal behavior on their part, especially since Chase is aware of this problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Department of Education has duplicated the same informationthrough several companies. Making it appear that I owe 3 differentcompanies the same amount of money ; and each of them arederogatory. Each of them are reporting similar information butdifferent payment histories, different start dates, different last activitydates. Upon information and belief this is done to make the additionalcompanies appear authentic. I have never had a contract with any ofthese companies and I am in fear that I will be forced to pay upwardsof {$45000.00} to clear up my name. This has caused me unimaginable ISSUE Problem with a credit reporting company 's investigation into anexisting problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THECOMPANY?

Yes TYPE OF ISSUE Their investigation did not fix an error on your report financial stress during this pandemic. I notified the three bureaus onXXXX XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXXDEPARTMENT OF EDUCATION All student loan repayments havebeen placed on hold since XX/XX/XXXX. They are falsely reporting ithas been in collections when they are legally prohibited fromcollecting. This account payment dates are inaccurate and differentat each of the bureaus. XXXX All three bureaus are reportingwhat could be a violation of a Nondisclosure Agreement ( SF-312 ). Thecontractual agreement between the U.S. Government and me is tonever to disclose information to an unauthorized person. I have neverauthorized or consented to disclosure of my personal information. This account payment dates are inaccurate and different at each ofthe bureaus. It should also be noted that the Consumer FinancialProtection Bureau has sued XXXX in XXXX for systematically andillegally failing borrowers at every stage of repayment. I will attach acopy of CFPBs press release. XXXX All three bureaus arereporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. This account payment dates are inaccurate anddifferent at each of the bureaus. DEPTEDXXXX All three bureausare reporting what could be a violation of a NondisclosureAgreement ( SF-312 ). The contractual agreement between the U.S.Government and me is to never to disclose information to anunauthorized person. I have never authorized or consented todisclosure of my personal information. This account payment dates are inaccurate and different at each of the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
CONVERGENT OUTSOURCING put a collection on my credit report I called them and they couldnt verify the account I told them to remove the account and they wanted my social security number and drivers license info

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I never gave written consent to share my personal information with Equifax, XXXX  or XXXX. 


To whom it may concern, Under 15 U.S.Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I paid a collection in XXXX of 2020. Collection was paid in full. A few months pass and I notice another collection for the same/around the same debt popped up. I went through my records and found the original payment receipt. The debt collector is saying this has not been paid, but my records show otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
A false auto loan was thrown onto my credit profile and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: NCB Management Services Inc.
State: TX

Complaint narrative:
I spoke with the collection company and they said If I paid the amount in full they were going to send me a deletion letter. After making the full payment, they sent me a paid in full letter, but not a deletion letter. I called a few times and spoke with XXXX, and he couldn't get any of his managers to send me the deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was made to cancel my Capital One credit card because when I got a new phone and forgot my password, they refused to allow me to reset my password so I could sign in online. I gave them my name, birthday, address, where I was born, my mothers maiden name, and they still refused to help. After that, I received {$380.00} as a refund to the card, and they are refusing to send the check to my PO box ! All they are doing is keeping it as long as possible to receive interest. I was on the phone with them for over an hour, and they told me that they will send the check to the street address I signed up with. 
This is the worst credit card company! Do not sign up with them! They charge close to 25 % interest! My new card which is XXXX, only charges me 12 %!!!! The Capital One customer service is horrible, and they do not try to help in any way. I'll be happy if they file for bankruptcy!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information. You stated that you needed more information, however I have provided EVERY piece of information needed since XX/XX/2020, for almost 9 months now, and if you were not so behind and completed what you were supposed to, you would have that information on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: FL

Complaint narrative:
Upon checking my credit report, I notice an account from XXXX XXXX XXXX XXXX XXXXF XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX XXXX XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pathfinder Credit Services
State: FL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: DC

Complaint narrative:
Aargon Agency , Inc. is located at : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX Tel : XXXX Fax : XXXX Collection Accounts : XXXX Clients : XXXX This collection agency is trying to collect money that was already paid by my medical insurance and myself on XX/XX/2019. Please remove them this is fraudulent debt.

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 2021-03-09 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/2020 ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My estranged spouse unknowingly received a portion of the proceeds from selling our home during our divorce. Although the check was made out to both of us with an & only symbol. Wells Fargo allowed him to cash the check without my signature and have full access to all {$3500.00} of the funds. I have spent hours on the phone with the fraud department as well as been in touch with 2 local branches to help rectify the situation with a copy of the fraudulently endorsed check. While all agree that the check should have been refused, no one is willing to rectify the situation and I am told there is nothing that can be done.

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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pinnacle Capital Funding Corporation
State: MD

Complaint narrative:
XX/XX/19 I was called by a collection agency ( PinnacleXXXX XXXXl ) saying i owed {$3000.00} for a debt from an old account from XXXX ( now XXXX XXXX ) XXXX. They said if i paid that day they would reduce debt to {$1000.00}. So i paid it. I did have a XXXX account years ago so that is why i thought it was legit. However, today I got another called from a different collection agency about a debt from XXXX for {$380.00}. So i called the original company ( PinnacleXXXX XXXX ) who called me and the # goes to a voicemail but i am unable to leave a msg. The name on the recording is XXXX from XXXX XXXX. I emailed the last address i had and it came back as undeliverable. 

The company is called XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX . XXXX but the email address says its Pinnacle Financial. I XXXX  this address and it says its a XXXX store. 

The company said if i didnt pay the {$1000.00} that day that they would defer to a lawyer and there would be a lawsuit. I asked why I did not receive anything in the mail and if it they could send me something in writing but said if it wasnt taken care of that day i would get sued. Im fairly certain i got scammed. 

XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I keep getting phone calls about a Chase card & I do not own a Chase card. The man had an XXXX accent & is harassing me verbally with XXXX inappropriate things. He calls from different numbers to speak about his XXXX & trying to have XXXX with me. Ive asked to speak to his manager but its a SCAM call. How in the XXXX do you stop this? This is so disgusting & disrespectful. Invasive even because he has my XXXX number. 

These are the two numbers he has called me from : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: TN

Complaint narrative:
on XX/XX/21 I sent a letter regarding some unauthorized accounts on my consumer report. it has been over 42 days and I have not received a response yet. I feel like I am being taken advantage of. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. failure to investigate these items within the 30 days plainly states they shall result in immediate removal of those items from my consumer report, it has been well over 30 days so these items need to be removed immediately. if these items are not removed immediately I will be seeking litigation. theses violations have caused me to go in distress and I demand they be removed promptly.

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 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
I have tried multiple times since XX/XX/21 to transfer a cash balance of {$570.00} from my account with Robinhood to my personal bank account. Each time the web transfer fails. Ive messaged Robinhood multiple times with no response or a robot response that does not address my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
SYNCB/PAYPAL, Inquiry : XXXX XXXX, 2020 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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