vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
Hey so I received a letter from collections XX/XX/XXXX stating that I own XXXX for a company called XXXX XXXX XXXX. I have no idea what is this, I called the number that was provided in the collections letter and it said it was for rent and a termination fee for XX/XX/2021. I have no idea what this is since I have never been in that location and I have never lived in XXXX XXXX and have never signed any papers for any apartment.

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 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: E*TRADE BANK
State: DE

Complaint narrative:
This customer ( XXXX ) purchased a coaching program from my company. We spent 6 weeks on coaching calls, delivered multiple worksheets, and performed work on their behalf. They purchased with agreement to our terms of service that we do not issue refunds after 30 days.

The 30 days had passed and the customer did a chargeback on my XXXX  account. XXXX  did an ACH overdraft on my bank account making it go negative and my bank. My bank ( ETRADE Financial ) is now charging me multiple service fees and has closed my savings account without my consent.

No one has been able to help me and I've already submitted a dispute case providing sufficient evidence of the program being delivered to a satisfactory quality.

I am completely unhappy about the way this has been handled and they are telling me it will take until XXXX to get this resolved. 

I would like this to be reviewed by your staff and I need additional help on this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Hello I'm in XXXX county Georgia. I used to get a separate bill for storm drain charge which is a utility to maintain the drains. Now the county assessor is including it on the property tax bill. Can they do this add it to tax bill so lender collects enough in escrow to pay it. I have a fha loan. They sent a letter and this will take effect this year tax bill which.comes out this month.

XXXX County is who is putting on tax bill as a separate line. Spoke to mortgage company they pay whatever total is on the bill. They don't separate it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture of the account with the inaccuracies.

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 2021-09-07 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: OH

Complaint narrative:
I have been disputing a particular account since XX/XX/21. And since that first letter was sent, I have followed up with four more letters regarding the same account. The last letter that I sent, I requested a method of verification as within my rights according to the FCRA. I have yet to receive a response describing the method of verification. Beyond that, I have sent letters that have gone unanswered prior to this last letter as well. I feel like my request to have this account be removed is being ignored. I have stated several times in several letters that the account in question is appearing as an open account, yet it a collection/chargeoff. That is not possible and it is completely inaccurate. I have a right to have a credit report that is accurate and complete. This is a violation of my rights and are completely being ignored.

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 2021-09-07 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
From the years of XXXX Department of Education/ Navient has reported on my consumers credit report late/non payment which is against U.S. Code 15 1666. I did not give Department Of Education/Navient my written consent or permission to do so. No consent is identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: IA

Complaint narrative:
On XX/XX/XXXX I began my search for a moving company to move me from XXXX  to XXXX. I was contacted by a XXXX XXXX who was said to be a representative of XXXX XXXX of FL. After speaking with him I felt safe in regards to the move. I was told that a deposit needed to be made of {$1100.00} in order to get the process started I made that payment on XX/XX/21. He then told me that my move would be between XXXX or XXXX and that a rep would reach out to confirm the amount of items. I was contacted on XXXX confirming the items. On Wednesday night at XXXX XXXX  XXXX left a VM asking to call them in regards to my move that was to happen. I called and once again the girl said the call was to confirm my move. I heard nothing until I called on XXXX that is when the lady said she left a VM telling me the movers pulled out on the entire route. She also stated that I would have to wait to see IF they would have another moving company sign a contract. She then told me to bare with them until Saturday and that they would call me .... I received no call on Saturday! I called back and the young lady apologized and told me to request an email. I emailed multiple times only to receive an email stating that I could not have a refund because I signed a contract! I had to drive XXXX miles back to XXXX  to place the things the moving company was supposed to pack away. This has left me with a negative account and all of my belongings in another state with no way to get them back or out. I called another rep and she kept apologizing saying that my account was updated and it said to not give me a refund! They took my money and never came to get my things or offered to send a crew another day they stole my account information. This company is also on the XXXX  website as fraud and my bank said that there was nothing they could do the first time. Now I am being asked to wait 10 day for a refund!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Since 2018, Care Credit has been inaccurately and overcharging me for interest on promotional purchases. Apparently some promotional purchases expired before I had been able to pay them off, I was charged the interest I would have accrued ( which is accurate ) and then charged interest on that interest. 

One single example is a purchase for {$1300.00}, where I have been billed {$430.00} of interest. 

All the statements I have access to have been attached to this complaint for review but there are statements dating back to 2018 that need to be reviewed. I would like the interest from ALL transactions on the account for the entire history of the account to be reviewed and corrected and refunded.

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 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
The Receivable Management Services LLC ( RMS ) is a third party debt collector who was contacted by XXXX XXXX XXXX XXXX to collect a debt. Which is a violation of 15 USC 1692c.I I started a vehicle insurance policy on XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX I got a collection notice from RMS on XX/XX/2020 threatening to report negatively on my credit report, which is a violation of 15 USC 1692d ( 2 ). I did not know I could dispute the debt. I paid this debt off on XX/XX/2020. This is on my credit report as a collection/charge-off.

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 2021-09-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
I am not a Member of USAA Federal Bank in XXXX XXXX TX. I don't have any accounts of any kind. They are sending me letters saying they don't have anything to add to my previous complaint. They have called wanted to discuss my complaint. I told them I don't have anything to say, my response was sent to CFPB. I have sent messages saying I don't want to be contacted..I don't have anything to say. They are sending me letters after asking them to stop. I have contacted my Attorney Generals Office and the FCC. Please ask them to stop contacting me. Now it's what I call harassment. There's no reason for them to contact me. Please help XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please see attached document explaining the nature of the complaint : " Complaint.pdf ''

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 2021-09-07 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: CA

Complaint narrative:
I purchased a used vehicle on XXXX XXXX for a XXXX XXXX XXXX from XXXX  car dealership in XXXX ca. My husband cosigned the car and the company had me forge his signature on the paperwork numerous times. I couldn't make payments on vehicle so I posted an ad on XXXX for take over payment option and XXXX cash for my down payment I paid. Signed contract with the guy who responded and he signed contract. He sent me copies of fake money orders for 4 months showing he was paying the payment. I contacted XXXX and told them where to find vehicle so they could get it back. They am said they would put. A voluntary repo instead of a charge off on my credit report. I have disputes this numerous times and been told info is accurate. Now XXXX XXXX  goes into my credit report two times every three months reporting new info which in turn messes up my credit score and appears that I have never paid a cent on loan and they sold vehicle for XXXX at auction but wont show me proof I have asked three times. That was a brand new vehicle they did not sell it for XXXX at auction. This account is closed and has been since XXXX. 
This was a predatory loan and a fraud since only I was the one to sign for my spouse and myself.

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 2021-09-07 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: CA

Complaint narrative:
I purchased a used vehicle on XXXX XXXX for a XXXX XXXX XXXX from XXXX  car dealership in XXXX ca. My husband cosigned the car and the company had me forge his signature on the paperwork numerous times. I couldn't make payments on vehicle so I posted an ad on XXXX for take over payment option and XXXX cash for my down payment I paid. Signed contract with the guy who responded and he signed contract. He sent me copies of fake money orders for 4 months showing he was paying the payment. I contacted XXXX and told them where to find vehicle so they could get it back. They am said they would put. A voluntary repo instead of a charge off on my credit report. I have disputes this numerous times and been told info is accurate. Now XXXX XXXX  goes into my credit report two times every three months reporting new info which in turn messes up my credit score and appears that I have never paid a cent on loan and they sold vehicle for XXXX at auction but wont show me proof I have asked three times. That was a brand new vehicle they did not sell it for XXXX at auction. This account is closed and has been since XXXX. 
This was a predatory loan and a fraud since only I was the one to sign for my spouse and myself.

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 2021-09-07 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: Nelnet, Inc.
State: MI

Complaint narrative:
Department of education/Nelnet has reported information to the credit bureaus without my written consent. No consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TX

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 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 ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called experian around the XXXX of XXXX and requested no more marketing from Experian. My request was not respected as Experian continues to market to me even after requesting no further marketing. They are marketing credit cards that I don't want or need, and they are marketing credit services and protection from identity theft. Experian should not charge a consumer a single XXXX to keep their information secure. It is extortion to create a record and then make consumers pay to keep it private. It feels like mob Protection money, and should be illegal.

Reguarding continued marketing after a request to cease, that is indeed illegal. Please cease and desist with any further advertising, including but not limited to emails, phone calls, and website offers, and postal advertising. 

This is an official record of the request, any further violation will be concidered harassment. 

Attached is a record of Experian continues attempts at marketing after a request to cease and desist was made. Also the website has me decline " free '' services with every log in ... services that are not really free, as credit card info is collected and used at a later date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
This is in response to complaint XXXX. 

Midland Credit Management still has failed to VALIDATE that I owe Midland Credit Management a debt!!!! I dont owe Midland Credit Management anything!!!! The original creditor is the only person according to FCRA that can validate a debt pursuant 15 usc 1692g. The documents that were submitted by Midland are fraudulent and only verify that a debt exists but doesnt validate that a debt exists by myself that is owed to Midland Credit Management . Also according to 15 usc 1681b ( 2 ) all transactions between a consumer and person are to be excluded from the consumers credit report! Even if this debt was valid my rights as a consumer are still being violated and pursuant 15 usc 1692k each violation is punishable in the amount of 1,000.00. Furthermore Midland Credit Management is also in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. You are giving the false impression that you are working with the original creditor which is not the case. The debt has apparently been sold and therefore the original creditor according to you doesnt even own the debt!!!!! You are furnishing false information which violates 15 usc 1692e ; debt parking which is a form of harassment which violates 15 usc 1692d and 1692f. As stated above Midland Credit Management is civilly liable for each violation of my rights as a natural person!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: NC

Complaint narrative:
I was seen and XXXX XXXX XXXX XXXX due to a car accident and having an accident lawsuit the attorney stated they were never informed the bill went to collections and XXXX to XXXX XXXX and I found it on my credit report and disputed it directly with the collection agency they failed to protect me per my lawsuit and failed to protect me and fraudulently charge my credit the bill was filed under the wrong spelling of my last name and was never recent as well to my insurance and has hit my credit since XXXX XXXX  and has held my ability to buy things due to the delinquency and them hitting my credit and calling me from several documented numbers even after I told them I had an attorney.. attached is the protection letter. Even after being told and my attorney never being informed of this incident of deciet. 

RB CORP VA/CREDIT CONTROL CORPXXXX and an increase every month since date of it hitting my report.

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