vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have submitted paperwork to the credit card company about this fraudulent account and it still reads as a charge off/close account. I am submitting case numbers for the FTC so that this unknow fraudulent account info can be removed from my credit report at this time. Here are the report numbers XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ). I can be reached at XXXX of any further info is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
This account just recently appeared on my credit report that I have no knowledge. I submitted a debt validation letter on XX/XX/2021 and have not received any validity of the debt. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Circle Internet Financial
State: NY

Complaint narrative:
XXXX XXXX is an app that allows you to invest in digital currency such as bitcoin and other coins. I have had a XXXX XXXX account since about XXXX. In XXXX, I changed my phone number and have not been able to access my account since, due to two-factor authentication. I have repeatedly reached out to XXXX XXXX customer service support team via email and website form since XXXX to update my phone number so that I can access my account. ( Their customer support number is not in service ). Their multiple responses directed me to upload a selfie holding my government issued ID to verify my identity. Once this step was completed, there was no response, no progress, and no update to my current phone number. The latest response to my renewed requested stated that my account was migrated to XXXX ( another investment app ) and the email further directed me to contact XXXX  support team on the email provided. XXXX responded by requesting a selfie with government issued ID as well. Ultimately, XXXX stated that my email could not be found in their system. 

Not only am I not able to access my account, I am legitimately concerned about this because I have submitted the requested verification images on multiple occasions with very little to no support. I hope whomever access to my information only uses it for the purpose it was intended for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX  I gave a delivery driver a tip for {$12.00} on a check. The date on the check was XX/XX/XXXX. 

On XX/XX/XXXX, the check was cashed for {$1200.00}. The check is clearly altered. The word line says XXXX XXXX with XXXX written over dollars. The box says {$1200.00} On XX/XX/XXXX, I reported this as fraudulent to XXXX. The fraud department said they may have to close down my accounts. No information was given as to when. In this initial conversation I was told I'd get provisional credit ten days after I submitted the documents needed to fraud. 

On XX/XX/XXXX, I arrived at my bank to get money out. I asked the teller if I could still remove funds given what had been told to me by fraud. He assured me nothing would change on my account. 

In the following week, my account was shut off. I had to run to get everything changed for vendors and direct deposit. My work was switching over their payroll system and I had to run in to change things. I updated that on XX/XX/XXXX. My phone was turned off before I realized my account was closed. I updated my mortgage payment one day before it bounced. 

In subsequent conversations, I was then told that I needed to submit the documents within 10 days or nothing would be returned. I did not receive the documents until XX/XX/XXXX. I was told I opted to have them mailed. So I was under the understanding that I have the remaining business days of this week to get that in. The documents clearly state I have 30 days to get it in. 

Then I followed up with bankers this week. I was concerned about whether payroll would have been updated soon enough. In these conversations, I was told that I would not be given any provisional credit and that my home branch could opt in their discretion to give me back a portion until I got by. I was then routed to the XXXX XXXX XXXX  location that does not even have voicemail. 

From XX/XX/XXXX through XX/XX/XXXX, I was hit with three I've overdraft fees of {$36.00}. No mention to me that I wouldn't have the bounce protection I had on my old account. Even if I had been informed, I was running all over town making sure I wouldn't be in default. 

I informed USBank the predicament with the XXXX branch being closed. I was then informed that I was in the private client group and maybe that they would give me credit in their discretion. I spoke with them. They set up an ACH redirect for the old account to the new account. They were unable to tell me when I would get that ACH redirect. One person told me on Tuesday, XX/XX/XXXX would be the earliest. 

Now I realize there is less protection for paper fraud. But how in the world is this permissible? How can their very clear error be so egregiously be set on me to the point I'm paying more than {$100.00} in overdraft fees?

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 monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC do not want to increase my credit limit for my XXXX ending under the pretext I would have " returned checks ''. However, and to the best of my knowledge, I never ever had any NSF check in my life. ( NSF = non-sufficient-fund ) If the bank got a wrong information it must disclose its sources for giving us a chance to correct it and unlock the credit limit in a fair manner. Attached is the HSBC letter showing they have an erroneous information in their data bases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Again, and as it happens in the beginning of this year, and as reported in XXXX yet, my XXXX Mastercard payments and my good standing with XXXX past due since XXXX have disappeared in the latest XXXX credit report and on balance statement. It is to be well noted that this was fixed for a while after escalating it to CFPB in May, but now the problem comes again. Attached are the XXXX report showing the right data and the XXXX report with a blank section for my HSBC Mastercard. Attached are also the card statements of XXXX and XXXX. In the HSBC Credit card XXXX statement there was not any FICO yet printed because the problem was just resolved. Later on in the XXXX statement, it ended-up to appear but just for a short time as transmission and/or processing is interrupted again. 

On XX/XX/XXXX I filed a complaint as XXXX had stopped computing and publishing my XXXX score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my FICO scores for more than 7 months. After investigating with HSBC US NA Bank, where I do have a Premier Mastercard account since XX/XX/XXXX with XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX from HSBC US bank certifying that they do properly report to XXXX all my financial payments. In addition, I can see some of my financial data appearing within my online XXXX account where the year XXXX and XXXX are fully missing. This is the proof that XXXX knows about my account at HSBC US but do not investigate on the failure root cause and do not show enough willingness resolve the issue once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
This account recently appeared on my credit report, I sent them a debt validation letter on XX/XX/2021 as of today I have not received any documentation to prove these two debts are mine. In the US law encyclopedia, XXXX XXXX, XXXX XXXX XXXX XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I tried to request a credit line increase on my card today, XXXX. Their system says that I already had an increase on my account on XXXX. Which is not correct. I requested an increase on XXXX. This information can be verified by XXXX as there was a hard inquiry into my credit report on that day ( XXXX ). I also remember submitting it twice back on the XXXX, the fist one stated I got an increase, the second said I did not qualify because of the first approval. I requested it a second time on that day because their system did not instantly reflect the approval. I question Citi 's systems because I was not notified of any change in my credit account or status in XXXX. The only reason they may have used that date is because I finally used my card in XXXX. This does negate the fact that I have a hard inquiry in my credit report from XX/XX/2021 and was approved then. They clearly have systems that do not match up to what happened, when it was approved and when I would be eligible again.

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 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
# XXXX  I signed up with the intended purpose of a prior account to be forgiven because I was misquoted a price. Sunrise credit and XXXX account are the same account associated with my address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My concern is that my name was intentionally altered and not by me in government broadband internet and help. A representative from sunrise credit put words in my mouth telling me people scam all the time ; not me in regards to this account with XXXX  a third time now.

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 2021-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: AZ

Complaint narrative:
We started our original home loan in XXXX XXXX live with my fiancee XXXX XXXX we are not married, she is not on any of the legal paperwork for the house, HomeBridge ( my mortgage company ) did not ask for my consent ; Yet she is the one who first requested a forbearance, not myself-XXXX XXXX. We had never been late or missed a payment until XX/XX/XXXX, when we both lost our jobs.This is the reason the forbearance was requested and it was granted on XX/XX/XXXX. There is a letter from Homebridge stating that they did not get the information correct until XX/XX/XXXX. We stayed on a forbearance for as long as we possibly could- it just ended XX/XX/XXXX. The entire 18 months I was on a forbearance HomeBridge Financial has been and continues to report to the credit bureau that I am not making my mortgage payments and that I am currently 563 days past due. I have called hundreds of times trying to reach a solution with HomeBridge, I have been spoken down to, laughed at, put on hold for a manager then the line gets disconnected.I have literally spent countless hours on the phone with HomeBridge, thousands of phone calls, endless sleepless nights because there is no certainty with my mortgage company. Not once in more than a 12 month time period did a manager ever call me back. I do however have three separate letters on three separate dates stating that my account is paid up to date and as agreed for the previous 24 months. So they are telling me one thing and doing a the complete opposite. My credit score has plummeted dramatically. As a final farewell, HomeBridge sent out our loan modification packet the day that my forbearance ended. The icing on the cake is that 2 days later they sold my loan to a different company- XXXX XXXX..the sold our loan that was in default. Never was it ever mentioned that our financial provider was going to change, I feel like HomeBridge mistreated us and probably broke a few laws along the way just to sell my loan at the last second just in time for it to go into default. I would like to know what your thoughts are about this situation. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX I attempted to pay the loan off which at the time balance was estimated around 13,000 this lender only accepts payments less than 1,500 at a time I made multiple payments to total XXXX to pay the loan off. They rejected all but 1 payment and returned them without any notification to myself and any valid reason. I under the assumption the loan was paid off called in XXXX to verify only to find out that it was not paid off. I then requested another payoff amount which XX/XX/XXXX I paid again. I called to verify the payments were applied this time and was advised that they now had to refund the extended warranty plan and that would take 2 weeks to be applied of which they would continue to apply daily interest affecting my total payoff. This company gives you a pay off amount valid for that day only when they don't even allow you to pay it off by continuing to apply interest until they get around to applying a rebate.

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 2021-10-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reach out to XXXX, Equifax, XXXX to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
NATIONWIDE RECOVERY SYSTEMS HAS FRAUDULENTLY AND ILLEGALLY PLACED AN ODIOUS DEBT ON MY CREDIT REPORTS. 

THEY NEVER SENT ME A LETTER AS REQUIRED BY LAW INDICATING THAT I WAS LEGALLY OBLIGATED TO PAY THEM ANY DEBT! IF THEY HAD SENT SUCH A LETTER AS REQUIRED BY LAW I WOULD HAVE PROMPTLY RESPONDED THUSLY ; To : NATIONWIDE RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you. 

I request the following : Justification for the claimed amount, including invoices or receipts. 
Explanation of how you calculated the amount in question. 
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount. 
The identity of the alleged original creditor. 
Proof that the alleged original creditor assigned the debt in question to you. 
Proof that the Statue of Limitations has not expired on this account.

Proof that you are licensed to collect debt in the state of Georgia.

Your licensed numbers and Registered Agent or Agent of Service. 

I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. 

If I personally dont receive any response from you for VALIDATION of this account within 30 days, all references and claims to this account must be deleted from your files. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: PA

Complaint narrative:
I have been disputing this account on my credit because it is clearly inaccurate. RECEIVABLES MANAGEMENT SYSTEMS has been assessing interest, penalties, and fees on my credit, which is prohibited under the FDCPA. They also have never sent me any information in the mail, despite my requests, which is a violation of the FCRA. I am tired of having to fight an account that is so flagrantly illegal! Please assist me any way you can!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
There is a collection account listed on my credit file which is unknown. I do not owe this amount to this company. I have NO records of even having opened an account with this company. I have disputed and received nothing. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: WV

Complaint narrative:
In XXXX Santander sent me and my husband a tax debt. Which we filed on our taxes and they got over 5,000 from our tax return that year. The debt has been paid in full and discharged. I have disputed it a number of times and Santander refuses to remove it from our credit. It has also been enough years for it to be removed, but Santander keeps upping the date so it can not be removed. Several people have complained about this company for this reason and much much more. There has been lawsuits for reasons such as this towards the company.

Company response to consumer: Closed with explanation