vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KCC Services, LLC
State: PA

Complaint narrative:
I want people to be wary of KCC Services LLC. 

I had a medical debt that went collection services unfortunately. I received my first couple of notices in the beginning of XXXX, but I received an official notice that it would be going to KCC in the beginning of XXXX. I immediately paid off the debt XX/XX/XXXX of XXXX. I did not want this to affect my credit and I was tired of fighting the insurance. 

XX/XX/XXXX rolls around and I get a call from an unknown number stating I had an unpaid debt. I informed them that I paid this off last year as I was purchasing a house and wanted all debts paid. The representative said I was wrong, stuck to their system, and said I would need to pay the debt. They were adamant I was wrong. The representative then sent me a piece of mail requesting the payment with the charge. The amount was exactly what I paid and luckily I found which bank account I paid it from. 

I called them XX/XX/XXXX and gave the representative the lowdown that I need them to check their system as I paid this last year. After hesitancy she check her system again and immediately found that the charge I had physical proof of was in fact paid and " lost in processing ''. 

KCC Services LLC. XXXX XXXX XXXX XXXX, PA XXXX. A company based around collecting hard-earned dollars can't even keep track of payments made. Thankfully I made the fuss about it because I know I was right, but how many people do you think are double charged? Triple charged? This is a company that needs to do better if they are the ones running around and sending debt collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Every year I get harassing XXXX letter in the mail about the XXXX insurance. I uploaded the proof of insurance on Monday XX/XX/XXXX, but continue to get harassing XXXX letters saying I need to purchase insurance at my own expense.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NC, XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, VA, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Non-receipt of Debt Information : I did not receive any notification from [ Creditor/Debt Collector 's Name ] regarding this debt. According to the Fair Debt Collection Practices Act ( FDCPA ), I should have been provided with written notice detailing the amount of the debt, the name of the creditor, and my rights to dispute the debt within five days of their initial communication. This notice was never provided to me.

Lack of Knowledge of Dispute Rights : I was unaware of my right to dispute this debt. As per the FDCPA, I should have been informed that I have the right to dispute the validity of the debt within 30 days from receiving the initial notice. Since I did not receive such a notice, I was not aware of my rights to dispute. 

Absence of Dispute Rights Notification : The creditor/debt collector failed to provide me with a notice of my dispute rights. This omission is a violation of the FDCPA, which mandates that consumers must be informed of their right to request validation of the debt and dispute it if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX - Account Number : **** XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX  - Account XXXX XXXX  XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX Account XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX  - Account XXXX

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please provide actual proof of verification and actual proof that your company is following all applicable federal and state law regulations on the account listed below Because I don't believe you are from looking at the account history from last payments dates balances reporting it's not 100 % accurate and I feel like it does not meet the Fair credit reporting act section 611.

I clearly highlighted the reporting errors and if you do not send in proof that you are following the laws then I will have to seek legal action. 

Send in all actual proof you are XXXX XXXX XXXX Account name XXXX Account XXXX

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 2024-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BYS, LLC. d/b/a Boost Your Score
State: MI

Complaint narrative:
I signed up for a loan with boostyourscore.com. I was unaware that this was credit reporting and that I could have the loan for which I signed up in a year after the account was paid into. I immediately ( within seconds not days ) requested a cancellation of the account and boostyourscore.com waiting until the first payment of {$82.00} was processed and legal action threatened to close the account. After demanding a refund, they are trying to say that with accrued interest charges I am not entitled to a refund. When signing legal contracts, this company looks like a legitimate loan company for people who need it yet it is not. I asked for my refund, was finally told it takes {$60.00} and we wont refund the entire payment. I involved the XXXX XXXX XXXX which resolved nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we did not agree upon and i didnt sign any agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which makes it unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we did not agree upon and i didnt sign any agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which makes it unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
My request was for them to release the collateral for my auto mobile, because I payed the loan in full, here is the tracking number for the overnight payment XXXX XXXX. 
After I made the payment, I received a check in return for over payment in the amount of {$170.00}. Further there is no lien on my auto mobile after a lien search by the NYS DOS and a certified answer from the Secretary of State confirming that there is no lien on my property, except for my lien I filed on my auto mobile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This was not sent in error, i am a consumer by law and my information is being misused. Now I have some false accounts on my credit report that are not 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Collection Management Holdings, LLC
State: AZ

Complaint narrative:
I monitor my credit and bills monthly very closely. I saw this just reported on my credit report on XX/XX/year>, for owing a balance of {$1100.00}. I have no idea what this would be in regard to. The date of service is listed as XX/XX/year>. I have no bill from anyone for this or no phone calls received for this. 

Please look into this and help me to verify why this is reported on my credit. This company has no phone number listed or account information for me to reach out. I filed a dispute with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please provide actual proof of verification and actual proof that your company is following all applicable federal and state law regulations on the account listed below Because I don't believe you are from looking at the account history from last payments dates balances reporting it's not 100 % accurate and I feel like it does not meet the Fair credit reporting act section 611. 

I clearly highlighted the reporting errors and if you do not send in proof that you are following the laws then I will have to seek legal action. 

Send in all actual proof you are XXXX XXXX XXXX Account name XXXX Account XXXX

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please provide actual proof of verification and actual proof that your company is following all applicable federal and state law regulations on the account listed below Because I don't believe you are from looking at the account history from last payments dates balances reporting it's not 100 % accurate and I feel like it does not meet the Fair credit reporting act section 611. 

I clearly highlighted the reporting errors and if you do not send in proof that you are following the laws then I will have to seek legal action. 

Send in all actual proof you are XXXX XXXX XXXX Account name XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MN

Complaint narrative:
I had made XXXX separate purchases with XXXX XX/XX/year>. XXXX was for {$69.00} and another one for {$62.00}. I had requested a refund with XXXX on XX/XX/XXXX for {$69.00} due to item not arriving. I also canceled an order with them for {$62.00} for my product not arriving on time. XXXX gave me my refund of {$69.00} but I had to filed a dispute through chime for the {$62.00} because XXXX denied taking the funds which clearly my account shows they did. Chime approved my dispute but refuses to give me my money stating that I already received a refund of {$69.00}. Which isnt even the same amount of my dispute. They refuse to email or mail me any documents or updates. I get told the same thing that they will escalate this ticket and nothing is being done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we did not agree upon and i didnt sign any agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which makes it unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights

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 2024-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I found a letter from Credit Corp Solutions Inc reference # XXXX stating that there i a debt owed from a creditor XXXX XXXX that was charged off XXXX stated that they are the sole owner of this debt, well congratulations on taking care of something that was allegedly owed. Also who is the Holder in Due course of a consumer credit transaction per the FTC rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I enrolled online in BOA auto payment. I signed up to pay the monthly minimum but not to exceed {$300.00} with any one payment. My monthly payment amount was around {$150.00}. BOA did NOT withdraw payment because the $ 300 MONTHLY PAYMENT amount I set was not sufficient to pay THE ENTIRE BALANCE!!! They said, " this e-Bill wasn't paid because the amount due exceeds the maximum amount you set for AutoPay. '' This happened twice and resulted in a XXXX point drop in my credit score. After contacting them repeatedly they CLAIM they have re-enrolled my in aoutpay but there is NO indication of this on my online account and they ARE LYING!!!!. THEY ARE A PREDATORY BANK LOOKING TO CHARGE UNWARRANTED LATE FEES AND PENALTIES

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