vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
Titlemax I feel set me up for failure in regards to my car. Lender regulations state the Lender must verify income, check expenses to see if borrower can repay the loan by the due date. Clearly a single mother who made {$10.00} hrly could not afford a {$510.00} interest payment alone muchless pay down the loan. XXXX knew I had been having an issue coming up with that outrageous rate, my son had been in a serious XXXX and I made her aware of this. I also brought to her attention that no one verified my income to see if I am even able to afford such interest, no one verified my insurance and no one offered to help me at this time or offer me a way to keep my car. My car was taken Wednesday XX/XX/20 and no one contacted me to tell me where my car was or where I could get my belongings. Three days went by and still I had heard not one thing! I finally contacted XXXX and was told her hands were tied and she couldnt help me save my car. When speaking to the tow company he personally told me XXXX is the one I would deal with as she is the one who sends him to pick up the cars. She basically avoided dealing and helping me. This is our only transportation to and from work and school. My car is now being sent to XXXX to be auctioned off and I have yet to get any help from Titlemax or offer a way I could afford in paying for the loan. My car is worth {$10000.00} and my loan was only for {$3500.00} with an interest of {$510.00}. Ridiculous crooks! So because of their unfair business tactics and not willing to work with me to keep my car, Im out {$10000.00} and thats exactly why my income was never verified and I was set up to lose my car. The fact that she knew I was struggling to make those high of payments and not one time offer any kind of assistance to help, shows how low and crooked this company and XXXX are. When Texas band this practice I hope she looses the shirt off her back for how this affects my family and her inconsiderate attitude. She basically trapped me and I hope this company gets sued til they have nothing left. When she knows the regulations and she doesnt abide by them, then she personally owes for my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AL

Complaint narrative:
I have made two attempts to have a security freeze placed on my credit report with LexisNexis to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2020 RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : Item # XXXX XXXX XXXX # XXXX I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Reason for Deletion This account is inaccurately reporting late payments. The original balance is {$0.00} and over the life of the account the balance remained {$0.00} until the account was It is impossible to have a late payment on an account with a zero balance.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL, XXXX Social Security # XXXX

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 2020-03-09 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:
XX/XX/2020 RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : Item # XXXX XXXX XXXX # XXXX I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Reason for Deletion This account is inaccurately reporting late payments. The original balance is {$0.00} and over the life of the account the balance remained {$0.00} until the account was It is impossible to have a late payment on an account with a zero balance.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL, XXXX Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Credit Account XXXX credit reference ID XXXX debt of XXXX which is an old XXXX XXXX XXXX debt that was removed from my credit bureau years ago because collection time expired on the account. This bill collector contacted my mother in an attempt to restart the clock this debt asking for my name which is my father 's name as well. Sent debt letter to my parents address in Ohio. Which I do not reside at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I did not authorized these enquires and ask for them to be removed.Credit Bureaus were contacted in XX/XX/XXXX & XX/XX/XXXX to remove enquires also

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: Ocwen Financial Corporation
State: GA

Complaint narrative:
I did not authorized these enquires and ask for them to be removed.Credit Bureaus were contacted in XX/XX/XXXX & XX/XX/XXXX to remove enquires also

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: DE

Complaint narrative:
The National Recovery Agency has placed a balance of {$460.00} on my credit reports. They never sent me written notification of the debt, allowing me to dispute. They claim to have mailed it but I have mail forwarding from my old address and never received it, Furthermore, the bill is for the XXXX XXXX. XXXX XXXX bills me every month. They never notified me in writing that this bill was due despite them having no comprehensible reason to not know my address as I TRANSFERRED service to my new address. The first time I actually spoke with National Recovery Agency was just last week and it is already on my credit report. They have not even validated the debt before placing it on my report because they never gave me a chance to request validation. The debt being placed on my credit report is not validated debt! Moreover, I had this whole conversation with National Recovery Agency without confirming who I am. They did not know if I was myself or a third party.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX XXXX {$310.00} XXXX XXXX {$680.00} XXXX/XXXX   XXXX {$75.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX   XXXX XXXX {$960.00} XXXX XXXX {$94000.00} XXXX/XXXX   XXXX {$700.00} XXXX/XXXX XXXX {$2300.00} XXXX/XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MD

Complaint narrative:
I opened a Discover account. I received my card and before I could activate it the account was closed I was told I would need to provide my tax returns via a document signed with XXXX  this document had no start date or end date the IRS said with this document any body could access my tax records for infinity at any given time. I attempted to contact Discover and was given the reason this was a business decision to get rid of the low life customers. This has impacted my credit score and reputation among by associates and bank and other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax sent another letter dated XX/XX/20 claiming they do not have a credit file on me so they can not investigate. I have sent their requesting information 4 times, and they continue to send the same letter. 

Then ( attached ), they sent an email on XXXX stating I needed to submit my claim online when I do not have to use any special form or online process. 

Attached you will find the credit file they sent me prior to sending letters stating they had no credit file on me. Following that credit report, you will find all my attempts to resolve the matter they continue to ignore. 

It has been over 30 days and it is false they have no credit file on me when I have attached the file they delivered before my dispute requests. They must delete the negative items I mention in all 4 of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PROFICIO FINANCIAL SERVICES, LLC
State: IL

Complaint narrative:
Several issues to include in my complaint for Proficio.

1. The company contacted multiple third party 's ( my old landlord & boss ) on several occasions. They disclosed the alleged debt I owed and made derogatory statements about me personally.

2. Proficio Financial Service never sent me a letter notifying me of my right to dispute the amount owed to XXXX XXXX XXXX XXXX. 
3. I personally disputed the debt with XXXX XXXX XXXX XXXX, for legal services owed, at the time the invoice was received however XXXX XXXX never replied to my letter of dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
This complaint is about an error made on behalf of PNC Bank with XXXX, which cost me {$1000.00} without any wrongdoing on my part. 

On XX/XX/2019, I made a credit card payment to XXXX for {$1000.00} from my PNC Bank Account using a debit card. The amount was recorded once by XXXX  on XX/XX/2019 as expected ; however, on XX/XX/2019, when the payment posted to my PNC Bank account, it was recorded as two transactions, each for {$1000.00}. I disputed this transaction with PNC, and they issued me provisional credit on XX/XX/2019 for the extra {$1000.00} charged to my account. 

Then, on XX/XX/2019, XXXX  adjusted the original payment I made on XX/XX/2019 and deducted {$1000.00} from my XXXX  account. As a result, the initial payment was reversed once from XXXX, but only once from PNC despite being charged twice. Therefore, I was deducted an extra {$1000.00} for no reason. 

When I contacted PNC to ask them about this dispute, they told me that it was already resolved on their end and that I needed to contact XXXX  about their reversal of my payment. So, after several months of back and forth between PNC and XXXX, I was formally told through a letter from XXXX   that the reason they deducted {$1000.00} from my XXXX  account is because they had paid it to PNC in order to reverse my transaction, however, PNC never put the {$1000.00} back into my PNC account. 

I have followed all of the appropriate steps to resolve this problem and went through all of the proper channels with PNC, but this issue has not been resolved. It has been ongoing for several months, and I am still at a loss for {$1000.00} for a problem that the banks made, not me. I require assistance from the consumer financial protection borough in resolving this matter. The ongoing dispute is between XXXX  and PNC, I am just a middleman who is charged {$1000.00} without having it returned. This is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: TX

Complaint narrative:
I disputed multiple accounts that started last XX/XX/2019. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed multiple accounts that started last XX/XX/2019. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.

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 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Attatched USAA FRAUD letter XX/XX/XXXX CREDITS FRAUD CLAIM DATE XX/XX/XXXX {$470.00} attatched statement of XX/XX/XXXX ONLY CREDITS FROM MERCHANTS. attatched XX/XX/XXXX statement confirms {$700.00} OTHER **INTERNAL CREDITS. attatched XXXX XXXX OTHER I** NTERNAL CREDITS OF {$2.00}, XXXX = {$3.00}, XXXX. SHOW PROOF USAA PERMANET CREDITS {$3.00}, XXXX EVER LOWERED THE BALANCE. XXXX Please Provide WRITTEN PROOF OF EACH PURCHASE AND WRITTEN PROOF THAT ALL DELIVERIES WERE DELIVERED INTO MY HANDS. Kindly Note ( USPS ) DELIVERIES UNDER CRIMINAL INVESTIGATION. case DOCUMENTATION PROVIDED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian has once again put a fraud alert on my credit file that i did not request or authorize. It has just randomly reappeared. In XX/XX/2019 I had to fight to get this removed and it finally was. Now it reappears. I have contacted them about this new alert but nothing has been 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 2020-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: VA

Complaint narrative:
In XX/XX/2018 I cosigned a private student loan for my daughter with Discover Student Loans. We were told it would not be problem to consolidate and refinance the loans in order to have me removed as a cosigner and my daughter have a better interest rate once she graduates. This has been anything but easy. Discover will not allow my daughter to consolidate her loans ( 2 ) and remove me as co-signer, stating she does not qualify. They are unable to provide any credit criteria literally stating " its different for everyone ''. I have spoken to their consolidation department and manager - XXXX. They are unable to provide and unwilling to try and locate this information within Discover. They simply say " we put the application information into the computer and the " computer tells us '' whether it is approved.This is unfair and abusive credit practices. Consumers should have the right to know the credit score, DTI and any additional credit criteria required in order to be approved to consolidate the student loans. More importantly ; consumers should be told this information prior to accepting and obtaining the loan with Discover.My daughter 's interest rate is over 9 % which is awful for a recent graduate to have to pay when they are just starting out.The initial sales tactics are flawed and misleading ; only to now deal with their back operation pitfalls and a denial with no further information. Consumers should be provided with the criteria needed to qualify. Please stop these companies from taking advantage of college graduates who are trying to get an education and provide themselves with a better life and career.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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