vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
This account was never late - It was a deferred payment and was approved for deferremnt by them.

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 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: CA

Complaint narrative:
on thursday XX/XX/22 i received a phone call from XXXX of sofi bank. he told me that because my check had bounced and that i had previously tried to deposit other checks that was " suspicious '' and they were going to close my account. i was ok with that as i never used my sofi account to begin with. However i have {$500.00} frozen in there that i can not use. and he told me over the phone on thursday that on friday ( XX/XX/22 ) he would transfer the funds over to my XXXX account on file. He has not done that yet, my account is still frozen, and he has not returned my calls despite me leaving voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
I tried to reach out to the collection place but they could not provide any valid information to me to prove the account was mine. Please investigate the account the credit bureau.

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 2022-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2022 at XXXX I received an email to my personal email account about a new Chime account that had been opened in my name. I did not open this account. I simultaneously received an email about a new login into " my '' Chime account from an android device in XXXX, Texas ( which was not me ). I originally brushed this off as spam to try and get my personal information but became more concerned when I received additional emails from Chime that seemed more official about welcoming me, sending me a new debit card, and also receiving a referral bonus. At this point, on XX/XX/XXXX I contacted Chime and let them know that there had been an account opened in my name fraudulently and to please close said account and to additionally advise me on what to do. I received an automated reply saying that they had received my email and I have heard nothing further. However, hours later, I received an email that {$200.00} had been deposited into my Chime checking account, which unlocked the debit card feature. Additionally, this afternoon on XX/XX/XXXX, I received a series of emails. The first explaining that my credit builder card had been shipped to my home address, and several emails following of several different people sending me a " {$5.00} XXXX XXXX '' which unlocked the account 's " XXXX '' feature, all followed up by a purchase at XXXX of {$360.00} to " XXXX XXXX '' that was approved and was " spotted '' {$60.00} leaving the account balance at- {$60.00}. At this point, I looked up the procedure on how to handle fraud and since I had already emailed the company Chime, I reported fraud to the credit bureaus. I also attempted to make this account unusable by whoever was using it by trying to recover this account 's password and then changing it, but when I submitted the " forgot password '' form, and instead of the security code going to my email, it went to a phone number that I did not recognize ending in XXXX. So I could not do anything further so I then sought to file a report with the Federal Trade Commission which redirected me to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Toward the end of XX/XX/2022 I noticed my perfect XXXX credit score of XXXX went down by almost XXXX points to XXXX i have worked hard to build my credit and never missed any type of payments in my whole life!. When i conducted my research i found a collection account that i never heard of from ( Southwest Recovery Services ) for {$660.00} MedicaXXXX bill dated back to XXXX. it did not make sense to me as i have always paid my medical bills from my HSA account when i actually get sent a bill but this appearing all of the sudden and after more than 4 years as a collection account that ruined my credit i am pretty upset and it's not fair to me. after doing my research i found that in the state of Texas under Title 6 of the CIVIL PRACTICE AND REMEDIES CODE chapter 146 sections 002 ( TIMELY BILLING REQUIRED ) and 003 ( CERTAIN CLAIMS BARRED ) make this uncollectable in addition state of Texas statue of limitation on medical debt is 4 years which surpass the date of the bill as well as if i am right third party collection agencies are barred from putting a negative entry from a medical debt! but what is making me upset is the fact that every year i have {$2700.00} in my HSA account which i could have used to pay this {$660.00} if i knew about it in a timely manner before the expiration of my HSA funds which is in the month of XXXX of the following year. I need help and i need this collection agency to answer be be punished for damaging my perfect credit and this to be removed immediately from all of my 3 credit reports ( as of now i see it only on my experian ) which i contacted but they did not do anything even when i disputed the debit. i am at the mercy of CFPB to help me and put an end for these companies and their lawyers from using the law unlawfully of taken advantage of people who are unaware of the law which in this case Southwest Recovery should have known the law and not only not put a negative entry on my credit report but this should have been purged by just knowing Texas and Federal law

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 2022-01-16 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: CA

Complaint narrative:
I am making this complaint of my own accord and do not consent to verification in response to Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ; reporting inaccurate information on my credit report. Due to the many errors and derogatory information on this account it was to be removed by law ; as a certified letter was sent requesting such. They did not prove a method of validation with my signature nor any other means of validation. However, it came back " validated '' with the following fields being modified XXXX type of account XXXX actual pymt XXXX activity designator. And they added another line item account from the collection agency as a separate account now listed twice with the same account number. This does not constitute as validation for either. Now instead there are XXXX accounts with infractions. 

Both agencies are in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX open XX/XX/XXXX XXXX. XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to respond satisfactorily with deletion of the above referenced accounts and a free copy of my report after the changes have been made will result in the above actions being taken against your company ( XXXX ). 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). Please note that I am keeping records and communication for the purpose of filling a future complaint and seeking litigation and {$1000.00} per violation. I will be seeking { {$1000.00} } per violation for 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, and 3. ) Violations of15U.S.C1692g 4 ). Violations of 15 USC 1681b As I requested prior in writing via certified mail, as well as now here, I will continue to take this item further if needed. Once again, I demand that these accounts be deleted immediately or I will file litigation. As they sold the account numerous times, without my consent or acknowledgement the right to privacy according to 15 USC 1681a ( 4 ) I have never given this company the right to share my information 5 ) According to 15 USC 1681b ( a ) ( 2 ) nothing can be reported on a consumer report without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My Dick 's Sporting Goods credit card had its credit limit lowered without the required notification. There is no notice on the statement nor did I receive any notice in the mail advising that my credit limit was going to be decreased from {$1500.00} to {$790.00}. This was embarrassing today when I went to use my card at the Dicks Sporting Goods store at the XXXX XXXX, VA location. I was not aware of this change and so had a purchase, that I needed to make, not approved because of the lower credit limit. They lowered my limit to just {$25.00} over my current balance.

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 2022-01-16 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: NY

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. I have no contract and have no reason to be in any type of business with this company and they are committing FRAUD. My credit profile is affected by these violations, this fraud, SUSPICIOUS, AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the validation and verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. 



I have sent letters on XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and i still have yet to receive a proper response that validates this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the validation and verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. 



I have sent letters on XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and i still have yet to receive a proper response that validates this 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 2022-01-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/22 I applied for a card with XXXX XXXX. I received the adverse action letter from XXXX XXXX on XX/XX/22 electronically that showed my credit score with Experian at XXXX. I immediately logged in to Experian which showed that my credit score ( unchanged since XX/XX/22 ) to be XXXX. This discrepancy in score reporting needs to be corrected.

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 2022-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I keep disputing a debt with the credit bureaus about a so called XXXX account. Enhanced Recovery Systems is the collection agency reporting this debt but have not provided written proof of the original contract. XXXX has ignored my requests to provide proof of the original contract as well as ERS. I have disputed this debt multiple years including 2021. Please ask them to provide proof of the original signed contract. I know my rights as a consumer and I know they have 30 days to provide proof of debt or delete it. They have not been in compliance. 

Enhanced Recovery Systems Account XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I signed a 36 month lease agreement on XX/XX/XXXX for a new XXXX XXXX XXXX. Near the end of that lease, XX/XX/XXXX, I decided to purchase the vehicle. I followed the instructions as outlined for lease-end purchase on the XXXX XXXX XXXX XXXX XXXX I mailed a personal check for the buyout amount indicated and enclosed a requested odometer reading form with the check. I had not heard anything from them for a couple of weeks, so I called and spoke to someone through their call center. I was informed they had never received the odometer reading form and they could do nothing further until such time that they received it. As I stated above, I had already mailed in a completed paper odometer reading form included with my check on XX/XX/XXXX... ..they cashed the check, so I know they received the form even though they claimed they had not. I completed and uploaded another odometer reading form through their website and sent it in. They assured me it would only take a week to ten days for the check to clear the bank and the paperwork to be completed by their title department. Weeks went by and I heard nothing from them. In the meantime, I received an Illinois tax form for the purchase of the car. I signed it and sent it back. I also faxed the same form to them. Another call to XXXX, and I was assured that all necessary forms and signatures had been received and the title would be released and mailed to me within a week. That was nearly two weeks ago and still nothing. It has been 57 days since I began this process and still no title. I want to sell this car and I am unable to do so as long as they continue to hold the title. I will attach a letter from XXXX acknowledging the date and amount of the purchase. I researched the Web to see if there were other customer complaints about XXXX and I found numerous accounts which read as if I had written them myself. Exact same complaints. Necessitating filing with the XXXX and CFPB in order to secure their titles. Their buyout process is unnecessarily burdensome and protracted. Any other vehicle I have paid off through a lending agency like a bank has provided me with the title within two weeks. I feel helpless. Repeated calls to an offshore call center has gotten me nowhere. There is no phone number listed for their title department. Please help me get my title!!! 


Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX Customer Service Dept 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 2022-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I bought a XXXX XXXXXXXX XXXX from XXXX in XXXX, Florida for {$36000.00} after the 72 month term back in XXXX. I did not receive my vehicle until XXXX because their salesman XXXX XXXX said they had someone in house that they typically used for delivery. When I agreed to using their person, I received the run around for 4+ days! I am located in the state of Indiana where the dealer offered to send papers via mail because this was their policy. The papers I received was a stack of about t least 15 pages. When I received the car, the vehicle smelled of water in the vents to which the delivery driver noted, communicated with the dealership and also told me I should follow up in which I did. I received verbal reassurance from the salesman I dealt with ( XXXX ). In addition, The Bluetooth wire had clear signs of water in the line because it would play or connect longer than 30 minutes. The Bluetooth ironically did the same! After taking it for an inspection, weve been told that there is signs of mold in the carpet fibers, the reverse tail light was cracked and had water in it prior to receiving it, the right passenger wheel at the back panel was slit and the struts were clearly tampered with and still RUSTED! The brakes were changed, but the back brakes and routers showed clear signs of rust. In addition to this, Ive been asking for a copy of the documents that I signed to where they insist that they have nothing but ONE paper and my lender has everything and my lender says vice versa! They even billed me {$3000.00} for a gap addendum I did not select the service for but was told to sign so that they know I viewed all papers. All of these communications and accusations do come with pictures and a full report as well! Medical records will be given to attorneys and any individual handling this case!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: IL

Complaint narrative:
they called XXXX XXXX time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on XX/XX/21 and XX/XX/21 each time this company [ CAPITAL ACCOUNTS LLC XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit 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 explanation
Consumer complaint received 2022-01-16 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: Mercedes Benz Financial Services
State: VA

Complaint narrative:
On XX/XX/XXXX due to XXXX I was unable to conduct face to face training as an XXXXr at the XXXX XXXX XXXX  XXXX I lost my salary because all classes were canceled. I was forced to filed XXXX XXXX bankruptcy in XX/XX/XXXX and my bankruptcy was discharged in XX/XX/XXXX. 

I had XXXX vehicles and added XXXX to my XXXX XXXX, but my 2nd car which is a lease XXXX XXXX XXXX was not included in the bankruptcy and i ensured all payments were made on time. Mercedes Benz Financial Services reported to all three Credit Bureaus that my lease was closed and I was late in XX/XX/XXXX. I saw the erroneous information on my credit after requesting a free credit report. I called MBFS several times in XXXX, XXXX and XXXX to no prevail. I contacted the credit bureaus and filed a dispute. Each time I would get the same results no change. 

My account with Mercedes Benz Financial Services ( MBFS ) was not included in my bankruptcy filed in XX/XX/XXXX. I continued making payments to keep the account current. MBFS stop reporting my payments the month i filed bankruptcy XX/XX/XXXX. 
They reported my account is not closed and added a late payment. The account is current and never late. I am trying to rebuild my credit. What's being reported is hurting me from getting secured credit and renting a home. Attached are copies of my bank statements showing payments in the amount of {$820.00} from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XXXX I paid {$2500.00} which includes XXXX payment for my property taxes for the lease. XX/XX/XXXX payment was {$820.00}. Please look into this matter. I just want accurate information to reflect on my account and to show that the account is opened, never late and current. I've contacted the credit bureaus several times as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This passed week a gentleman called me by the name of XXXX XXXX from XXXX XXXX XXXX. Advising me to settle for an amount of {$340.00} & if I didnt I would be sued for {$1200.00} ( not exact ). 

A decade ago my identity was stolen & a credit card was opened within the same mall I worked in & they mentioned that department store. 

However on XX/XX/XXXX I settled this debt with XXXX XXXX in the XXXX XXXX Superior court, & which I have documentation of. 

I feel as if Im being scammed & I dont know how to go about this.

Company response to consumer: Closed with explanation