vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
NOT abusive language, but a language problem. 

Received a call from " Chrysler Capital Lease Loyalty, '' asking for me by my full first and last name. They said they wanted to ask me a few questions about my recent leased vehicle. Asked me to verify the vehicle I leased, my date of birth ( I refused ), and then my mailing address. Only then did they identify themselves as a debt collector attempting to collect a debt. If I had known they were a debt collector up front, I would not have given them my information and would have told them to stop calling me and hung up. If they had started the call by identifying themselves as Chrysler Capital collections, or XXXX XXXX, or anything like that, it would have been fair. Identifying themselves as " Lease Loyalty '' makes it sound like they're conducting a survey or something, making consumers more likely to stay on the phone. This smells of hiding their true purpose. 

Additionally, the debt in question was a lease-end payment, the total of which was determined less than 90 days ago. I couldn't afford to make the whole payment at once and had split it into three payments. Two had been made, and the third was actually made a few days before this call, though it hadn't posted yet. Sending collectors after a debt that's less than 90 days past due, with payments made along the way, is just bad business. 

Note that there had been no written communication, no statements sent after the initial one indicating that any payments had been made or what the updated balance was. Furthermore, my credit report shows less than the actual balance owing, the Chrysler Capital website shows a different amount less than actual balance owing. I have no way other than my own accounting to know what the true balance due was - the amount the collector agreed was the balance. They never sent me anything that showed I owed the amount that was actually still due on the account or asking for that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: CO

Complaint narrative:
So I filed a complaint for the same issue, Complaint # XXXX months ago. It got fixed then, but has now happened again!!!! Your insane XXXX system is ruining my credit rating AGAIN!!!! When are you going to stop using XXXX to affect one 's credit score????? It's your XXXX software that is the problem since it seems to lose all of my accounts every few months which then decreases my credit score dramatically!!! Both XXXX and XXXX show my score as being over 800 but Experian has decreased my score to under Excellent AGAIN after deleting most of my accounts. THIS IS AN EXPERIAN XXXX PROBLEM THAT NEEDS TO BE SOLVED FOREVER OR NEEDS TO STOP MAKING PEOPLE USE IT TO CALCULATE THEIR FICO SCORES!!!!!!!!!!! PLEASE FIX MY ACCOUNT IMMEDIATELY TO SHOW MY ACCURATE FICO SCORE!!!!!!!!!!

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 2021-11-16 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
XX/XX/21 on Robinhood I sold XXXX of BTC and XXXX recievied email confirmation. Today XX/XX/21 an unauthorized Deposit of XXXX from my bank account to Robinhood was completed, I did not do this! Robinhood said they will lock my account while they investigate but the problem is my money will be locked there. Robinhood took out XXXX without permission and refuses to admit wrong or give it back with out freezing my account for undertermined amount of time while they " investigate '' this is unacceptable as they have cause me financial pain by approving an unauthorized deposit which has left me in negative standing with my bank. Robinhood is doing something wrong here, I have email confirmation and no records of a deposit. Please help and please end Robinhoods shady practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
1.I have never had an account with this company ERC XXXX XXXX REMOVE from all credit agencies from reporting. 

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ERC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Global Lending Services LLC
State: TX

Complaint narrative:
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
This complaint is about ACIMA CREDIT This debt was a result of identity theft I explained this to the debt collector but they refuse to delete it I got a police report and sent it to them I never filled out a fraud packet their reason for not deleting it is because all my information matched but if someone stole my identity of course all my information will match I settled with this debt collector because im in the process of closing on my house and I didnt have a choice in order for me to get my house I didnt have the time to wait on them to resolve this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

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 2021-11-16 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
this company is clearly and consciously violating my consumer rights in handling my disputes. please see my attachments and process them accordingly. The companies handling of my disputes are affecting my daily life severely as i can not do the things i need to do with the negative remarks on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2021, I called the companies and advised them that I had no ideas where these inquiries came from. They told me to contact Equifax and ask that they remove them because each company stated that have no idea where they came from either. 
XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: TradeStation Group, Inc.
State: TX

Complaint narrative:
Our company transferred {$15000.00} to our Tradestation account on XX/XX/2021. We were told that we had an issue with our account due to a bounced back ACH 6 months ago. The transaction 6 months ago was a test of {$50.00} that Tradestation had the wrong account on our profile. Fast forward to months later. We were told on XX/XX/2021 that this issue was cleared up and we're authorized to trade. Today is XX/XX/2021 and now we are told we can not have access to our funds till XX/XX/2021. By the way we have called Tradestation every week day since weve made this transaction. So we have spoken to several different reps who has given us misleading information. We want our funds returned to us by XX/XX/2021. Otherwise cancel the account and give us our money. We can go somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: TN

Complaint narrative:
1.I have never had an account with this company KEY 2 RECVRY XXXX , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are KEY 2 RECOVERY INC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am considered below poverty level. I live in subsidize housing and get food stamps. I don't have enough money to pay my bills. I'm XXXX years old and I'm experiencing some severe health problems, XXXX XXXX. I can't take the XXXX. I have nothing to give. I called them several times and wrote them a letter explaining my situation. My bill was {$400.00} dollars at the time but I'm sure they packed on the fees and penalties making it astronomical to me. They are Synchrony Bank. They call every single day, sometimes it's XXXX times. I tried blocking them but they manage getting past that. Please silence this for me. Thank you for your time and consideration.

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 2021-11-16 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:
My information was included in a data breach at Equifax. My personal identifiable information was used to open a fraudulent account for a vehicle. This was done without my consent or knowledge. Here is the information appearing on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} {$0.00} I reported this item with the FTC # XXXX ( Report Number ) I have contacted XXXX by phone and attempted to file the dispute online but the disputing system that they have is flawed and will not let me submit my dispute. They have continued to make my submission process increasingly hard. This fraudulent information is preventing me from getting or applying for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I enrolled in autopay as soon as I was able to. I received electronic and written confirmation that I was " successfully '' enrolled in autopay. I therefore assumed that autopay was working, as I had no reason to believe otherwise. Then, about a month later, after having no further contact with the lender, I received a phone call that my account was in default. Apparently a disparity between the legal name on my bank account and on the title to my car had caused the bank payment to bounce. The bank account numbers were all correct. Even though the original payment bounced on XX/XX/XXXX, and I enrolled in autpay on XX/XX/XXXX, I never heard a XXXX peep until the account was more than 30 days past due. This is the part that the lender dropped the ball on : sending confirmation of enrollment in autopay through multiple channels of communication, and then never saying that the autopay never even worked to begin with (?! ) until more than 30 days had elapsed after the payment due date. The account is now current, but I'm stll horrified that the lender would mislead me about enrollment in autopay, and worried about my credit. Were it not for a shocking phone call that arrived last week, when the acount was already overdue, my last communication with the lender would have been to confirm successful enrollment in autopay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I was looking for a home to rent in my area. I came across something in my price range and reached out to the " owner '' of the home. We spoke over email and text messages. They sent me an application, I filled it out and returned it to them. They approved my application and we spoke more. I went and looked over the home, people living there. I didn't think much of it. The " owner '' then requested I pay a deposit, I did that through my bank as a transfer. They received it and requested I pay first months rent before sending me everything that I need to move in. I politely declined. Then realized after I had sent the initial {$990.00} that it was a scam. I sent them the {$990.00} on XX/XX/2021. I went to my bank immediately on XX/XX/2021 to file some sort of report and try to get my money back. I went directly to a Navy Federal Credit Union branch, whom I've had an account with for almost 10 years. They filed a Fraud Dispute and gave me the paper work. I received the money back into my account on XX/XX/2021. I was under the assumption things were good to go. I then received a letter stating my dispute was denied and I am now responsible for the {$990.00}. A Navy Federal employee that I spoke with after I received the denial letter said that there was nothing they can do for their members that have been scammed. There is no protection for members in this. The scammers will win every single time. Which is extremely unfortunate. I never made a police report due to going directly to my local branch and they taking care of it. I was never advised to make a police report either. It's been a whole month and the scammer has moved on. There is nothing that can be done for myself or any other member.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation