vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: GFS II, LLC
State: MI

Complaint narrative:
Hello, My name is XXXX XXXX I recently realized that my work checks were being garnished by XXXX XXXX. I purchased a XXXX XXXX XXXX on XX/XX/XXXX through XXXX XXXX XXXX and unfortunately I had to voluntarily return the vehicle to XXXX XXXX due to numerous of issues the car was having that I was coming out of pocket paying for, before it had even hit a year I was replacing many major parts on the vehicle I eventually had to give it back because the gas line on the car was broken and I was told if I continued to drive it would eventually catch fire. I returned the vehicle and was told by XXXX if they sold the vehicle I would NOT be responsible for the remaining balance on the car and if it wasnt sold I would be. I was never ever informed on if the car was sold or not so I genuinely took the no call back as if they sold it and I owed nothing. Until I seen it on my Credit several years later but that it was closed and it had been Charged off as bad debt Profit and loss write-off with XXXX on XX/XX/XXXX. I received my work check on XXXX XXXX and noticed {$300.00} was garnished from my pay I was not informed by my job that I would be being garnished from anyone, I contacted my jobs HR representative and was showed a court document stating I was being sued for {$10000.00} by XXXX XXXX for this vehicle. I contacted the courts and was told that i was severed at an address that I DO NOT LIVE AT and that i could file a motion but would still be liable to pay for the vehicle. I am a single mother I do not just have {$10000.00} and absolutely can not afford to have my checks garnished and also I feel as if I shouldnt be held accountable for this vehicle it was my very first car and I feel as if I was totally ripped off the car didnt last me but for a few months i was paying out of pocket to repair the car just to keep it afloat. I was never given any documents about being sued nor made aware that XXXX XXXX was still seeking me to pay for the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: NH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CERTIFIED COLLECTORS, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, I rented a house from XXXX XXXX ( property management company ). After XXXX months, I left the property because they would not allow multiple pets at the property, which was fine by me given the square footage of the house. I paid a fee, lost my deposits ( rent and pet ) and moved on about my day to another rent house. 

In XXXX, I entered into a XXXX month lease of a rent house with XXXX and XXXX real estate in XXXX, TX. As my wife and I were expecting a child, we temporarily rented a house until we had saved enough money to purchase a much larger house. 

On multiple occasions, the home owner, not the property manager, would come by frequently, unannounced to check on the property. I had contacted the property manager multiple times of the incidents and told the property manager and owner, to abide by the Texas law and allow for XXXX hours notice before coming in the premises. My wife felt immensely uncomfortable as the home owner would sit under the windows and " clear any weeds out of the yard. '' Eventually, enough was enough. The property management company did nothing about the harassment, so we placed our 30 days notice, lost pet and rent deposits and left. 

My wife and I found out of the Certified Collectors of XXXX, Texas had placed the combined debt of the XXXX companies for almost {$15000.00} with NO detailed statement of the charges. After requesting multiple times and not receiving anything other than, " You were contacted sir .... '' we contacted the original creditor. 

For XXXX XXXX, we settled on a debt and that debt was confirmed and approved by management. We have the messages of confirmation from XXXX. 

Between the harassment from the collection agency, failure to produce the documentation, pursuing debt outside the state 's statute of limitations, fraudulent claims and more, we have continued to seek legal action against Certified Collectors of XXXX. We want to ensure this does not ever happen to anyone again!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
On or about XX/XX/2023, I received a suspicious email from XXXX XXXX XXXX XXXX XXXX, a debt collection agency in XXXX XXXX, CA. The email stated, " Welcome to XXXX Your XXXX XXXX XXXX  account has a new home. As a new consumer, we'd like to offer you an opportunity to discuss flexible payment options, including bi-weekly payment options, to resolve this account. '' It indicated that the account was transferred from XXXX XXXX XXXX ( original creditor ) to XXXX XXXX XXXX XXXX XXXX ( servicer and owner ) with a balance due of {$930.00}. However, the notice failed to include notifications required by 15 U.S.C. 1692g ( a ) ( 3 ) - ( 5 ) and FDCPA 1006.34-1006.42. On XX/XX/2023, I received another electronic notice from XXXX XXXX XXXX XXXX XXXX escalating their debt collection practices. The email was a pre-legal notification stating that if I failed to pay by XX/XX/2023, " XXXX XXXX XXXX XXXX XXXX is considering forwarding this account to an attorney in your state for possible litigation. Please make arrangements to resolve your account. Once you have completely fulfilled your payment arrangement, you will be released of the obligation. '' The notice did not include required dispute disclosures. In addition, it is suspected that XXXX XXXX XXXX XXXX XXXX has been placing harassing phone calls since XX/XX/2023, through a blocked number ( " unknown caller '' ) to avoid dedication. Approximately XXXX days after the electronic notification on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute for {$280.00} 2 days ago and it posted to my account. I was told I will get a temporary credit for {$280.00}. Once it post to my account..That didnt happen I was on the phone for about two hours. In the end, they said we can not apply it to the available credit. I told her she is not correct. So basically I have to wait 90 days before the funds are released. So basically I have {$25.00} credit limit until the investigation is over. System will not allow me to make a payment more than {$26.00}. This is not acceptable, and this is very unacceptable. And also when I applied they told me a {$700.00} limit and that was their offer to me only $ XXXXwhen they mail the card to me. Capital one is not following the terms and conditions of the terms. And after five months of having the card they said they will extend credit to {$500.00} that did not happen. This card is not really giving me any benefits and limit is low. My other credit cards are around {$2000.00} to {$4000.00} credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: PA

Complaint narrative:
The company is XXXX XXXX ( Tek Collect )! This has been on my XXXX credit report since XXXX. I have added it in a bankruptcy twice now! I have repeatedly told the credit bureau to remove this for years. They do not listen. I have again recently noticed it is still on my XXXX report!! It states another update that it will be removed on XXXX. I am ready to file a law suit against them. They just don't STOP! Is there any way you XXXX be able to help with this matter? Before I call my lawyer to have this taken care of Thank you, 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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: AR

Complaint narrative:
On XX/XX/2020 I was in a car accident that almost XXXX me and totaled my vehicle. Since the other driver was put at fault in the accident that driver is supposed to assume responsibility and liability for my damaged vehicle. Since that person was uninsured I communicated to Kia finance America what happened and they had no sympathy for my incident and still report the vehicle on my credit as if I still have it. This is unacceptable and is keeping me from getting another vehicle. My consumer rights are being violated. My balance is being listed as {$19000.00} as of XX/XX/2020 on my credit file and this item is negatively impacting 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 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On Wednesday XX/XX/XXXX I went to a XXXX store to withdraw money from a XXXX ATM. My first transaction was for XXXX dollars. The Atm showed processing on the screen & was buffering for a min or two. Then it showed canceled transaction on the screen & went back to the main menu. I thought it was due to the amount I tried to withdraw so I tried it again for XXXX and got the same message on the screen. I told the guy that worked in there that the Atm wasnt working & apparently he knew because someone else just experienced the same thing before me. I then went down the street to an ATM in XXXX. This ATM was working! I did 3 transactions for XXXX dollars & then tried to do another transaction for XXXX & XXXX both were declined, which shouldve been because I had the available funding in my account. I called Chime & asked why was my transaction Declined & the agent said because of a XXXX dollar transaction at XXXX. I explained I Never received Any money & something was wrong with that ATM. I told the agent I tried to do 2 transactions at XXXX and the amounts. She said she seen the XXXX dollar transaction was returned but not the XXXX dollar one so I did a dispute immediately with her. I called XXXX & spoke with a manager who explained they have nothing to do with the atm & he gave me a number to call that didnt work. I then contacted XXXX customer service to get help & they said my bank chime had to dispute the transaction. I called chime back & told them what XXXX customer service said. No one could give me a number to the merchant that was in charge of the atm. I spoke with a supervisor at chime who said I qualified for a provisional credit. The next day I got a message from chime stating my dispute was denied! I immediately called chime back & spoke to another supervisor. He said I can reopen the case & it could take up to XX/XX/XXXX days for processing & if I qualify for a provisional credit ( which the last supervisor confirmed I did ) but he said something different. I explained I need my money! Chime did not provide me with any documents explaining how they concluded their investigation! How did you complete an investigation? Atm machines have cameras & most stores do to. If you check those cameras you would see I Never received Any money from the XXXX ATM machine ( XXXX ). Today I received another email from Chime stating my dispute was denied again! This is unacceptable! Its been almost 2 weeks & I still havent gotten my XXXX dollars back! No proof or anything! Theres no proof because I Never received any money or receipt. The message was displayed on the screen!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/2020 I was in a car accident that almost killed me and totaled my vehicle. Since the other driver was put at fault in the accident that driver is supposed to assume responsibility and liability for my damaged vehicle. Since that person was uninsured I communicated to XXXX XXXX XXXX what happened and they had no sympathy for my incident and still report the vehicle on my credit as if I still have it. This is unacceptable and is keeping me from getting another vehicle. My consumer rights are being violated. My balance is being listed as {$19000.00} as of XX/XX/2020 on my credit file and this item is negatively impacting 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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/2020 I was in a car accident that almost killed me and totaled my vehicle. Since the other driver was put at fault in the accident that driver is supposed to assume responsibility and liability for my damaged vehicle. Since that person was uninsured I communicated to XXXX XXXX XXXX what happened and they had no sympathy for my incident and still report the vehicle on my credit as if I still have it. This is unacceptable and is keeping me from getting another vehicle. My consumer rights are being violated. My balance is being listed as {$19000.00} as of XX/XX/ on my credit file and this item is negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/ I was in a car accident that almost killed me and totaled my vehicle. Since the other driver was put at fault in the accident that driver is supposed to assume responsibility and liability for my damaged vehicle. Since that person was uninsured I communicated to XXXX XXXX XXXX what happened and they had no sympathy for my incident and still report the vehicle on my credit as if I still have it. This is unacceptable and is keeping me from getting another vehicle. My consumer rights are being violated. My balance is being listed as {$19000.00} as of XXXX XXXX  on my credit file and this item is negatively impacting 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 2023-01-15 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: CA

Complaint narrative:
These inquirys were not authorized by me i would liked them removed please as i have tried contacting the companys still no help Equifax XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX  Equifax XXXX XXXX XXXX  XXXX XXXX : XX/XX/2022 XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
My debit card was used for XXXX ( XXXX ) unauthorized transactions on XX/XX/2023. The total amount involved was USD XXXX. I have not lost or misplaced the debit card. I got the card blocked immediately as soon as I got first message suspecting that there have been a fraudulent transaction. I simultaneously disputed all the transactions and filed a claim with the bank on the same day. 

I now understand that the bank has completed its investigation and denied my claim. I have also personally visited the bank to make representation of my case. I have been orally explained that the reason for denial of my claim is that the transactions were made through XXXX XXXX, which would ordinarily require a pass code of my phone, finger prints, XXXX ID, etc. However, I have never used XXXX XXXX in my life, and I still do not have XXXX XXXX account on my phone. 

I am awaiting for final letter from the bank in this regard but wanted to file this complaint timely.

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 2023-01-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently view my credit report and i can see a unauthorized made by XXXX XXXX XXXX on XX/XX/2023 I Recently view my credit report and i can see a unauthorized inquiry made by XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 2023

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 2023-01-15 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:
These inquirys were not authorized by me i would liked them removed please as i have tried contacting the companys still no help XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 Transunion XXXX  XXXX : XXXX XXXX, 2022 Transunion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 2022 Transunion XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX Inquiry date XX/XX/2022 2022

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These inquirys were not authorized by me i would liked them removed please as i have tried contacting the companys still no help XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/2022 XXXX XXXX  XXXX : XXXX XXXX, 2022 XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2022 Experian Inquiry date XX/XX/2022 2022

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 2023-01-15 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: PA

Complaint narrative:
I did a thorough investigation on my credit report and seen a collection on my credit report that doesn't look right. 

XXXX XXXX Date Opened : XX/XX/2022 Amount {$770.00} This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: STATE EMPLOYEES CREDIT UNION
State: SC

Complaint narrative:
State employee Credit union XXXX XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

Company response to consumer: Closed with explanation