vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into a loan that should be reporting on my consumer credit profile. To this date, I have yet to receive any information or acknowledgment that said investigation has begun. In my previous request I listed the information and showed my wet signature that was also notarized. This is my second attempt now, and I will be also writing to the CFPB, Federal Trade Commission and the State Attorney regarding this matter. You have violated numerous U.S. Codes for consumer reporting agencies.

As you are well aware federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( 15 U.S. Code 1681m - Requirements on users of consumer reports ). 

I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX ), you will be liable for your willful non-compliance. 
You have violated numerous U.S. Codes for consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Notice, it is a fact, affiant did not give prior consent to communication to the debt collector, National Credit Systems and the affiant alleges there was no prior consent from a court giving permission to contact I, the affiant in collection of any debts and thus this communication would be National Credit Systems is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth. It is a fact, affiant is aware, the false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). Affiant has proof of this violation as National Credit Systems allege I, the affiant, owes a debt but the alleged debt is shown in the positive amount, as seen in Exhibit A.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
I was sent bills for imaging while working out these bills with my insurance I received a final notice. I paid this bill immediately with the original biller. The next month a collections is posted to my credit for {$0.00}, with an " original balance '' of {$51.00} dollars. I was never contacted by Stallings Financial Group, I have never received a collections notice, and I have a receipt that I submitted showing it was paid before they claim the account was opened. All my credit reports except XXXX have removed it. 

Stallings Financial has failed to provide me or the CFPB with a copy of the letters that I never received. They report that my account was not paid until XX/XX/XXXX, it was paid XX/XX/XXXX, and it reports that there was an active balance of {$51.00} dollars when there was no active balance prior to it being placed in my credit. 

They claim they have followed FDCPA and FCRA XXXX regulations, and have failed to provide documentation of letters meeting these guidelines prior to placing this item in my credit. 

They also reported that I was affected by a natural disaster to my credit report. I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a letter from Citi Bank stating my new credit card was mailed to me on XXXX XX/XX/2022 and was to be delivered this week. It has an XXXX limit. Acct endingin XXXX. I DID NOT ORDER THIS CARD. 
I called Citi Bank. On hold 20 minutes then referred to fraud and Iwaited on hold until I had to hang up. 
In checking my security.. 
liveautioneers apparently got my email off social media on XX/XX/XXXX. I do not recall visiting that website. I had no other reports. I am concerned about credit card fraud and my credit being impacted. Thank you

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 2022-01-19 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: IL

Complaint narrative:
XXXX XXXX XXXX placed a XXXX account on my consumer report at all three major credit reporting companies on a report I pulled in XXXX of XXXX. Prior to this, I never received any communication from this company about the alleged debt. I do not have any type of relationship with the alleged debt collector. Allegedly this was for something from back in XXXX of XXXX. It is just now being reported to my credit report. This is a terrible situation, especially as I have no current balance with the alleged original creditor, let alone owing anything to a third party debt collector with whom no contract was ever made. It is crazy how a company can just put some totally false and negative information on your report causing a decrease in a score of XXXX or more points for some money that is not even owed.

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 2022-01-19 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: IL

Complaint narrative:
XXXX XXXX XXXX placed a XXXX account on my consumer report at all three major credit reporting companies on a report I pulled in XXXX of XXXX. Prior to this, I never received any communication from this company about the alleged debt. I do not have any type of relationship with the alleged debt collector. Allegedly this was for something from back in XXXX of XXXX. It is just now being reported to my credit report. This is a terrible situation, especially as I have no current balance with the alleged original creditor, let alone owing anything to a third party debt collector with whom no contract was ever made. It is crazy how a company can just put some totally false and negative information on your report causing a decrease in a score of 20 or more points for some money that is not even owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a mortgage statement from my mortgage company, New American Funding, showing that my mortgage is in default. Additionally, the letter threatened action against me in the form of foreclosure if payment is not made. However, I entered into, and was approved for, a forebearance under the C.A.R.E.S and Consolidated Appropriations Acts. This was approved by New American Funding on XX/XX/XXXX. This action is illegal and violates the terms of the forebearance agreement. I am requesting intervention and a reversal of this action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
the description of unwanted ifo items is shoing XXXX of not needed wrong items that keep appering on my credit report i was paying XXXX XXXX XXXX then they seem to owe me at least XXXX according to a 5year payment plan that did not work i payed them XXXX each month and they still would not remove the wronger items fom the 3 reportagencies/ialso need a update ruling on my credit score that should be at least XXXX/this type of action neede to be pursued anddealt with/myaddressis XXXX XXXX XXXX  XXXX/please try toclear theselong monyhs mistakes./thankyouverymuch.

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 2022-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sunset Solutions Group, LLC
State: CA

Complaint narrative:
I've spoken to several different representatives in an effort to have my contact information removed from their records. I do not have uncollected debts and all my active credit accounts are either paid in full or have ridiculously low balances at the moment. I was informed that I can show up for court and request for my information to be removed. I have received not written legal documentation regarding any legal complaints or court filings. I finally requested their contact information : SUNSET SOLUTIONS GROUP LLC, XXXX XXXX ATTORNEY AT LAW, XXXX. I was not provided with a mailing address, but was given a phone number to have legal representatives contact them XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
I paid off a mortgage with Fifth Third Bank and the pay off was much larger than the principle. A few XXXX was explained but {$6800.00} was sent to their forbearance department and no one there can explain where it went or what for. Today I talked to XXXX who put me on hold and then XXXX picked up who eventually dropped the call. I used their messaging system and XXXX once asked about the {$6800.00} I accidently lost connection with him. I started, just trying to find out what interest I paid in 2021 and after digging had questions and am not getting any answers or help. It is almost like the fraudulently took the money over and above my payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: TX

Complaint narrative:
I received a presentment from Ameri Collect about an alleged debt that was either purchased, obtained on-line not sure how they obtained it but I know for fact I never enter into any agreement or contract with said entity. I been asking for proper validation of said agreement ( as opposed to cheap copies of personal medical data which is violation of HIPAA but nowadays computer hacking is rampant ). I recently received correspondence XXXX that in one claim with an entity ( 24 collections that were being reported on my consumer credit report causing unlawful damage and suffering ) that they " requested '' the 3 major credit bureaus to remove after all time that has passed and affected my livelihood and well-being. Which is equivalent to admitting they made an error in reporting the 24 collections to the credit bureaus and yet gave no reason. Which by consumer law any error or false reporting of information can be fined up to {$1000.00} each not to mention jail time. I AM A CONSUMER WITH RIGHTS! Now in exchange to overlook taking legal matters I made the offer for said company to DELETE 2 other collections their reporting on my credit report ( mainly XXXX  ). Being a non-combatant sovereign I'm going through the proper chain of command and protocols before proceeding to follow up with litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I paid my balance in full on XX/XX/XXXX I mistakenly shorted the amount by {$.00}. On XX/XX/XXXX I was charged and interest fee of {$19.00}. I ignored the statement emails since I knew I paid the balance. On XX/XX/XXXX I noticed on credit karma my score dropped XXXX points when I looked it was BOA late payment. I pulled up past statements and found the shortage. I called and offered to pay the {$.00} they said I would have to pay in full and they would request the interest be removed but there is no guarantee. I was disgusted with this resolution so I paid in full and requested my account be closed. I feel this is unethical business practice and no one should do business with 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 monetary relief
Consumer complaint received 2022-01-19 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: CA

Complaint narrative:
Last XX/XX/XXXX, i found some wrong details on my credit report. I immedaitely wrote to the credit bureaus to correct and have these items removed or upodated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. 

I am writing to have the following items removed : Transunion : " XXXX XXXX XXXX '' XXXX : " XXXX XXXX XXXX '' XXXX XXXX XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

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 2022-01-19 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:
Last XX/XX/XXXX, i found some wrong details on my credit report. I immedaitely wrote to the credit bureaus to correct and have these items removed or upodated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. 

I am writing to have the following items removed : XXXX : " XXXX XXXX XXXX '' XXXX : " XXXX XXXX XXXX '' Equifax XXXX XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
This case is about a payment made that resulted in the vehicle being paid in full. The Bank refuses to give me the documentation to release the loan on the vehicle. The car was paid in full on XX/XX/XXXX, Money deducted from bank on XX/XX/XXXX, the bank stated that they received the payment in full payment on XX/XX/XXXX, XXXX mailed out on XX/XX/XXXX. I called on the 4 of XX/XX/XXXX and all of this information was confirmed, but I never got the title which they stated I will received in 7 to 10 business days there words not mines. They wrote it in my account also. I called and ask where is the title release document, TD bank stated that why I want the title? ... I stated i plan on selling the car and want to hand the new buyer a clear title. TD bank stated we do not know what happen to the title just do a bill of sale. ( What? ). I said no I want a title release document from you to get a title... Why can I get a title? TD bank stated shy are you rushing us to give you a title. I read back to them, their words : " You will get your title back i 7 to 10 Business days '' on my online account. They said " Why are you looking online at your account it is close. I said I still have access to it and your lien is still on the title account. They said I can not get the title release document do a technical difficulty on our end. I just want my title release document - TD bank has been given me wrong information and flat out lying to me. I still have not got a date or an acceptable status of the title release documents being sent. They done nothing but give false and misleading information but no title release has not been mailed out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT, XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: CA

Complaint narrative:
I RECENTLY DISCOVERED A FRAUDULENT ACCOUNT BY XXXX XXXX XXXXXXXX ( PARTIAL ACCOUNT NO : XXXX ) IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION OPENED A XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO OPEN A SECURED CREDIT CARD UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE ANY FRAUDULENT ACCOUNT 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 non-monetary relief
Consumer complaint received 2022-01-19 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: Conn's, Inc.
State: TX

Complaint narrative:
Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Conn XXXX Inc. has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in Exhibit A and information associated with Conn XXXX IncXXXX XXXX must be removed.

Company response to consumer: Closed with explanation