vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
They have put this collection on my XXXX ( 8 ) eight times. I thought this was against the law. My credit score went from XXXX to XXXX. This collection agency is I C Systems Inc. XXXX XXXX 2021, XX/XX/2021, XXXX XXXX 2021, XX/XX/ 2021, XXXX XXXX 2021, XX/XX/2021, XXXX XXXX 2021, XX/XX/2021, This is all for the same bill.

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 2021-12-09 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: MS

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the XXXX opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: MS

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the XXXX opinion.

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 2021-12-09 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the XXXX opinion.

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 2021-12-09 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: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2021-12-09 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: MD

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Hello, To Whomever Concerned the company XXXX add a DEROGATORY remark on my credit report XX/XX/XXXX stating that I owe a balance of XXXX dollars, In which I was never notified of such balance, until I investigated, and researched my credit report. I also do not owe the balance to XXXX, nor LVNV FUNDING LLCXXXX RESURGENT . As Ive never opened an account with the the companies listed above. Or the account that is opened in my personal information are fraudulent. After, investigating my credit report my Findings were that the company XXXX also works as XXXX, In which who sold that XXXX dollar debt to a company named LVNV FUNDINGLLC/RESURGENT. Ive been disputing the inaccurate information since XX/XX/XXXX. I asked the company XXXX to verify the account, Such as date of account opened, when, where, and how. The company XXXX refuses to respond. As for XXXX will not dispute the account directly. Informing me the account is no longer with them as the debt has been brought by LVNV FUNDING LLC/ RESURGENT whos also given me a hard time disputing this account. Without my acknowledgment, nor permission, according to the FCRA laws this is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: MI

Complaint narrative:
Hello, To Whomever Concerned the company XXXX add a DEROGATORY remark on my credit report XX/XX/XXXX stating that I owe a balance of XXXX dollars, In which I was never notified of such balance, until I investigated, and researched my credit report. I also do not owe the balance to XXXX, nor XXXX XXXX XXXX XXXX XXXX As Ive never opened an account with the the companies listed above. Or the account that is opened in my personal information are fraudulent. After, investigating my credit report my Findings were that the company XXXX also works as XXXX, In which who sold that XXXX dollar debt to a company named XXXX XXXXXXXX Ive been disputing the inaccurate information since XX/XX/XXXX. I asked the company XXXX to verify the account, Such as date of account opened, when, where, and how. The company XXXX refuses to respond. As for XXXX will not dispute the account directly. Informing me the account is no longer with them as the debt has been brought by XXXX XXXX XXXX XXXX whos also given me a hard time disputing this account. Without my acknowledgment, nor permission, according to the FCRA laws this is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: VA

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was told by Navy Federal Credit Union that I would have to wait 90 to 120 for a refund. I purchased an extended car warranty with a company names XXXX XXXX. They are no longer in business and they have filled for Bankruptcy. The bank has changed there policy from 7 to 10 days to 90 to 120 days for a refund.

According to the FDIC - The standard insurance amount is {$250000.00} per depositor, per insured bank, for each account ownership category. The FDIC provides separate coverage for deposits held in different account ownership categories. 

With that being stated the {$2800.00} should be refunded to be due to services not met by another company. 

I ask that NFCU follow FDIC protocol for the consumer.

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 2021-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
I was instructed by XXXX XXXXXXXX to file a complaint with CFPB to assist me with my issue. 

In XXXX, PHH contacted me to inform me of a missed mortgage payment. When I asked for which month, the representative told me they did not have a date and that I needed to provide proof of all payments for the year. I contacted my bank and provided proof of payments for the year. Despite my calls for resolution I was told it was being researched/ reviewed. Months later I never received a formal response and they began reporting me as a month delinquent. This has prevented me from refinancing my mortgage and taking advantage of XXXX because they have continued to report me as delinquent without providing a date for over a decade. I am asking to have this matter resolved because according to PHH my loan has matured and I am responsible for paying off my mortgage this month ( XX/XX/XXXX ). Im prepared to pay off my mortgage as soon as they provide proof of the mortgage and the pay-off amount, which I have requested but have not received. I refuse to pay any late fees or an additional mortgage payment because I do not owe one. This mortgage company has exhibited a pattern of underhanded dealings throughput my mortgage. In XXXX, they attempted to foreclose on my XXXX mortgage claiming I had not made adequate payments due to a lack of homeowners insurance. I contacted the XXXX XXXX and proved that I was not in default due to a lack of homeowners insurance. In fact, for 3 months I had XXXX active policies. In the process I also uncovered that they were illegally increasing my mortgage by over $ XXXX and they could not explain the charges. So not only were they charging me and exaggerated amount for homeowners insurance I did not need but using a made up added monthly charge of over $ XXXX to force me into foreclosure. They acknowledged the error in charging me for unnecessary insurance but never explained the additional amount added to my mortgage, which I deem to be fraud. The XXXX XXXX did not take any action against them and they still keep part of my mortgage payment in suspension for years and reported me as delinquent until I repeated requested that the matter be addressed. In XXXX, XXXX XXXX did not advise mr to reach out to CFPB which could have been a tremendous help then but Im glad I was advised to do it now. 

In closing, Im asking the CPFB to assist me in getting this matter resolved and in the event fraudulent activity is taking place by PHH that the appropriate action is taken to prevent this behavior from affecting other hardworking borrowers.

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 2021-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
A rule by the Office of the Comptroller of the Currency ( OCC ), the regulator of the nations largest banks, effective last XXXX protects these predatory lending rent-a-bank schemes and overturn centuries of caselaw allowing courts to look beyond ruses to the truth. In Virginia, The measure caps the interest and fees that may be charged under a short-term loan at an annual rate of 36 percent, plus a maintenance fee ; increases the maximum amount of such loans from {$500.00} to {$2500.00} ; and sets the duration of such loans at a minimum of four months, subject to exceptions, and a maximum of 24 months. Short-term loan licensees are required to make a reasonable attempt to verify a borrower 's income and may not collect fees and charges that exceed 50 percent of the original loan amount if such amount is equal to or less than {$1500.00} and 60 percent of the original loan amount if such amount is greater than {$1500.00}. The measure amends the requirements for motor vehicle title loans, including requiring licensed lenders to use a database to determine a prospective borrower 's eligibility for a loan and prohibiting loans to a borrower who has an outstanding short-term loan. The measure sets a 36-percent annual interest rate cap on open-end credit plans and allows a {$50.00} annual participation fee. A violation of these provisions is made a prohibited practice under the Virginia Consumer Protection Act. I would like Netcredit removed from my credit report for violating the Virginia Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MT

Complaint narrative:
XX/XX/2021 someone hacked into my us bank mobile app and sent XXXX $ to their XXXX  account from my savings, I immediately called us bank fraud dept and reported it after several weeks of having my accounts frozen and mistakes made by us bank on the process of changing my username and all accounts when first i was told to just change my password and now that I have it straight they tell me that they will not help me get the XXXX back from XXXX because they believe i was the one who did it

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 2021-12-09 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: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX, It is a violation to re-age a collection account 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
On XX/XX/2016 opened a collection. 
Account # XXXX XXXX $ that I owe I have never signed any document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that I owe this debt to this alledged company. 
Please have this removed from all three credit bureaus XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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