vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
Last year I sent a cease and desist letter to my lender. My account was in collections until I got my account current. Since XX/XX/XXXX, I was trying to reach someone because I want to settle the account. 

This credit line has almost 7 years and seems impossible to payoff. 

When I called, no one wanted to talk to me because of the cease and desist. Well ... I sent another letter, explaining and knowing that information can be given to me if I call. I know the law, I worked in XXXX. 

I requested to talk to a supervisor on XX/XX/XXXX, and I was told that she did not wanted to talk to me to " not waste my time ''. 

First, I was told that a contact number should be given, which I did in the letter sent on XX/XX/XXXX sent again on XX/XX/XXXX. 

Today, XX/XX/XXXX, I called again and I was told that a notarized letter was needed to talk to me. SERIOUSLY? I feel like some kind of racism here. 

Why so much trouble ot settle and account? 

The interest in this loan is extremely high. I talked once because I wanted to be explained how the interest was calculated because it was fishy to me that my account was over {$3000.00}. Never less. 

I know, that in all my years of payment even with the hardship program, I 've paid the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered that I was the victim of identity theft on XX/XX/2015, most likely due to the XXXX breach. I immediately placed a fraud alert on my credit reports and called the creditors. I also requested copies of my credit reports from the XXXX CRAs. I filed a police report on XX/XX/2015, as well as an FTC Complaint. 

I mailed a letter on XX/XX/2015 to Equifax, detailing the information on my credit report that was due to identity theft. This included: XXXX revolving accounts/credit cards that were not mine, XXXX inquiries that were not mine and that I did not authorize, and an address that was not mine. I based this letter off of the FTC guidelines and included the following as enclosures: the police report, the FTC Identity Theft Affidavit, proof of identity, my credit report identifying the information to be corrected/blocked, and a copy of FATCA 15 U.S.C. 1681c-2. I requested that the fraudulent/incorrect information be blocked with XXXX business days, in accordance with FACTA. 

I mailed the letter to Equifax certified mail, return receipt requested, on XX/XX/2015 It was signed for on XX/XX/2015, according to the return receipt. On XX/XX/2015, I received an automated email from Equifax, stating that my reinvestigation was started and that it could take up to XXXX days to complete. I checked my credit report on XX/XX/2015, and found that all of the fraudulent/incorrect information was still being reported. I called Equifax that day and was transferred many times before being connected to the fraud department. I explained that this was not a regular FCRA dispute, but a FACTA dispute resulting from identity theft. I cited FACTA 15 U.S.C. 1681c-2 and stated that the information should have already been blocked, as it was governed by a XXXX day timeline, not a XXXX day timeline. I was told that they were waiting on a response from the creditors. I explained that this was their responsibility, not the creditors, and that it had to be blocked while they investigated. However, the Equifax representative repeatedly said there was nothing they could do at this time and offered me the address to their legal dept. 

As of this date, XX/XX/2015, the items continue to be reported on my Equifax credit report, 16 days and 12 business days after receiving notification. I am in need of a new car, but I cannot apply for an auto loan with these fraudulent accounts and inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following inquires do not belong to me. I have previously tried to dispute them with the credit bureau with no result of having them removed. The bureau could not provide a signed contract stating the inquiry belonged to me or how my information was retained. 


XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX. 
Inquiry XX/XX/XXXX XXXX & Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX 
Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
Scott Carruthers Law firm claimed to be a debt collector for XXXX. Scott Carruthers Law firm is a total SCAM! He is n't a so called law firm. We a agreed on a monthly payment of {$120.00} a month XX/XX/XXXX for a debt due to XXXX. I did n't know at the time that he was a scammer. I paid {$600.00} up front via my checking account. I paid {$120.00} each month till XXXX XXXX XXXX. XXXX XXXX XXXX Scott Carruthers Law firm took two payments of {$120.00} when I did n't agree to that. My bank account shows XXXX but nothing about a law firm. I then called Scott Carruthers Law firm and got no answer, left a message and he never called me back. Then on XXXX XXXX XXXX at XXXX I get a call from XXXX from Scott Carruthers Law firm saying I 'm in big trouble for closing my bank account out and saying I still owe {$600.00} but now I 'm going to owe {$6500.00}. I told him I finally found out they have been scamming me for all these years. XXXX of course denied that. I told him send me a letter with proof of everything he was saying. XXXX then called my daughter 8 times and harassed her. XXXX said he looked up XXXX pages and said he knows everything about us. My daughter told him if he calls again we are calling the police and reporting him. He hung up and ten minutes later tried to call her again. She did n't answer, he has n't called since. Now I 'm reporting them everywhere I can, so I can warn others.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-01-29 00:00:00
Product: Prepaid card — Electronic Benefit Transfer / EBT card
Issue: Fees — 
Company: Comerica
State: NJ

Complaint narrative:
I receive monthly stipend for being a XXXX via a debit card managed by eppicard, the card is issued by Coamerica Bank. I went to withdraw a payment that was just put onto the card and was told there would be a {$2.00} fee. I was told there is only one free withdrawal a month - even though multiple payments may be put onto the card each month, in place of the state sending out a check. When I questioned this, I was told the state of NJ was taking the fee - - made no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
My son and I shopped for used vehicles at Toyota of XXXX in XXXX of 2012. I consider myself somewhat knowledgeable and am ashamed I fell for their tactics.We were pretty forcefully directed to new cars and repeatedly advised that was the best deal as it was XXXX sale. No one could advise on the price or pmt of a vehicle without talking to the finance guy. When he ran the numbers he advised the only way we could qualify was on a new car due to the " sale ''. Before I knew it he had the contract up and when I questioned the pmt which was much more than I was led to expect he explained that the only way we could get the car was to have all of these extras added on. Gap Plan, Service Contract, Maint plan, Tire Hazard and Dent repair.The car was for my son who to make the pmts and the pressure was unbelievable! I advised he could n't make the payment and he said this was the only chance to get a car due to credit issues and tomorrow the " sale '' would be over. We signed. After getting home i called and spoke to a few people in the car business who explained that what they did to us was illegal. I immediately called and advised them of what I was told and they brushed me off. I had a friend in the business call and talk to them on several occasions. I threatened an attorney and advised I was bringing the car back and leaving the keys. After repeated pressure and talking to main headquarters i still wanted to bring the car back but they advised I couldnt but they agreed to redraw up the documents as they had to admit we were right - we could n't be forced to have all of the extras in order for them to finance the car. We were threatened at that time that now we may have to provide other financing or immediately be repossessed since Toyota would only finance with this deal due to our credit. We had to wait and see. After a month a new pmt book came with a reduced pmt. I was between a rock and a hard place on this car at this point and hoped they would just take the car back. I feel we were the victims of predatory lending, intentionally misled and strong arm tactics in this sale. The car was repossessed after my son lost his job and we struggled for 3 years to maintain pmts. I had all intentions of paying as I felt my ignorance played a part in this as well. After the repossion Toyota refused to work with me even after my financials provided to them showed I had less than XXXX extra per month towards a repaymentt of the difference in the sale of the vehicle. I have both sets of documents in my possession showing they had to change the terms that I called them on in the initial sale. I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: LTD Financial Services, L.P.
State: TX

Complaint narrative:
HOW DO YOU LIKE THIS -- I REQUESTED MULTIPLE TIMES FOR LTD FINANCIAL SERVICES, INC. TO CONTACT ME.  I WAS ONLY ABLE TO SPEAK TO A HUMAN ONCE WHO GAVE ME HER EMAIL ADDRESS.  I SENT HER THE REQUESTED DOCUMENTATION AND NEVER HEARD FROM THEM AGAIN.  THE MONTHLY BILLS STOPPED ALSO.  TODAY, I KNOW WHY!!  I RECEIVED XXXX XXXX ON BEHALF OF MY XXXX MOTHER TOTALLY ALMOST $XXXX.  THIS IS CRAZY AND ABUSIVE AND A COMPLETE RACKET.  NOW WITH THE XXXX ALLOWANCE THESE COLLECTION AGENCIES ARE XXXX PEOPLE.  I REALLY REALLY NEED HELP.  THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld Systems Inc. contacted me mid XX/XX/XXXX stating my debt with them ( I had a student loan default ) was bought by " another company '' but TSI was continuing the collection services. TSI said they would no longer honor my previous payment arrangement of {$120.00} per month which I have been paying consistently since the debt was bought by TSI. The telephonist was super aggressive and said they would only consider a monthly payment of {$280.00}. They said they would contact my mother ( who was the cosigner ) and begin trying to collect from her and they would not stop until the debt was collected in full. The debt amount is around XXXX. I bargained them down to a figure of {$140.00} per month. I then get a letter from TSI on XX/XX/XXXX ( about a month later ) stating they would " honor '' my " previous payment arrangement. '' I suspect they have this scam going where they attack people and get them locked into a new higher payment schedule before they send out any letters stating they 're obliged to honor previous arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
They left messages @ my home threatening legal action, & also contacted me via email stating they have evidence that funds were received/deposited & they have XXXX different ways of linking me to fraudulent activity. They also furnished my full SSN # stating they could n't find any previous fraudulent activity. The amount of the loan, and the amount it would cost me to settle to end up w/a {$0.00} balance/acc't paid status, only to charge me an extra late fee ( which would be refunded ) within 3 business days. stating it was protocol because I 'd purchased the wrong card t make the payment. The card 's being XXXX DEBIT CARD. Card 's were purchased in the amounts of $ XXXX/ {$280.00} respectfully. Apparently, once the monies were secured by them, I 've received no further contact. XXXX XXXX was the name I as given, & I have all emails between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Access Financial LLC
State: ID

Complaint narrative:
An employee named " XXXX '' began contacting me while I was at work. I asked him many times to not contact me there because I could lose my job, due to the thirty calls he had made the previous day to my employer. He advised me that my work was a XXXX number and he has the right to continue to call over and over and over until he gets payment. This has carried on over the past three weeks and it has went way past them trying to collect a debt. XXXX calls and trys to trick other employees, acting as if he is a customer trying to place a take-out order, and requests that I, XXXX XXXX help him. As soon as I get on the phone, XXXX begins his harassing tone. I have advised him that he can call my personal cell in order to discuss the account NOT my place of employment. He is calling other workers and lying to them, saying that he just spoke to me etc. which in fact, he had not. He tells everyone whom answers the phone that they are liars when they inform him that I am not there. They hang up and he just calls right back over and over. He has been informed many times that this was a work number and I might lose my job. I also sent them a Cease all communications form ( I am working with a debt consolidator called XXXX ). The emailed response that I received stated because XXXX works for " XXXX '' and he is not an outside party, he can call me anywhere at anytime to collect this debt. I have lost my job due to " excessive personal phone calls ''.

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 2015-06-05 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I purchased a vehicle through XXXX dealership. The sale price was {$5600.00}. I had {$3000.00} to put down on it but was told by the dealer to put {$2500.00} for better chances of getting approved. The dealer then told me my credit was frozen and asked for verification of my SS #. I provided the proper documentation. They then told me that they could only get my financed at a 22 % interest rate. I thought that was because I had filed bankruptcy. I went to sign the papers, they had the wrong SS #. They then said they would fix it. After 3 hours, they said they fixed it and told me sign here, sign here, and rushed me out the door. When it came time to make my first payment I discovered they were still using the wrong ss # and added my down payment into my balance. I contacted the bank and they informed me that they still did not have the right SS # and that the reason why my interest rate was 22 % was because they take bad credit and since my credit was " frozen '' they approved me. The dealer never submitted the correct info. I then had to submit documentation to the bank. I am currently taking civil action against them. Then I received a letter from the dealer stating my balance is {$2600.00} and wanted me to trade my vehicle in. Then I checked XXXX and noticed that the bank charged my account off at a balance of {$4600.00}. Sale price was XXXX - {$2500.00} down payment, but I owe {$4600.00}? This is hurting my credit tremendously! Please help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Jewelers XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX was unable to access my Credit report to due a credit freeze. However, there are XXXX inquiries on my report from XXXX. I called XXXX several times concerning this. most recent today where i spoke with XXXX and her manager XXXX If they were able to access my report, why did n't i get a decision letter based on the information in the credit report. they told me to check with the credit agency which i did and they told me to contact fingerhut. i explained that i received a letter stating they were n't able to access my report but the inquiries show they were able to. Ive reached out to equifax who told me that this inquiry is legitimate. but according to the XXXX investigation, they are stating they never viewed my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I open XXXX to know my credit score then i got amazed when i knew that i got a mortgage dated back XX/XX/2015 that even in dream i didnot do..please help me maybe someone stole all my info ... thats why all im applying for credit cards or lending services are all DECLINed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX submitted a case to collection agency, XXXX The debt that has been reported is not true because when I moved out of the apartment, I had to submit a notice to terminate the lease as well. The manager of the apartments at the time made it very clear my situation was squared away. I had to wait on the new apartments to give us a date to move in but she had to have proof to hersupervisor that I was not just squandering in the apartment. So, she made me sign a new lease just incase. Well, now, I am still stuck with that charge. It is on my credit. I needed info from XXXX as to why. The account manager, XXXX XXXX called me back, and was very reluctant to help. He refused my request for a manager or his superior, asking " Why does it matter? ". I need this rectified as soon as possible. I need true answers as to why I am still owing debt I was not supposed to be liable for, where are rhethe papers filed With the apartment complex before it went to collections?

Company response to consumer: Closed with explanation