vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2022 I sent a notice of fault and opportunity to cure letter to XXXX XXXX informing them that they are invading my right to privacy by reporting transaction and experiences on to my credit report in which I never gave written consent for the account to be furnished on my reports. I have yet to hear back from them and is really trying to reconcile this. They are violating 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer report information solely as to transaction as to transaction or experiences between the consumer and the person making the report ;. I need to know that this being taking care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 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: SC

Complaint narrative:
XX/XX/2022 I sent a notice of fault and opportunity to cure letter to XXXX XXXX informing them that they are invading my right to privacy by reporting transaction and experiences on to my credit report in which I never gave written consent for the account to be furnished on my reports. I have yet to hear back from them and is really trying to reconcile this. They are violating 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer report information solely as to transaction as to transaction or experiences between the consumer and the person making the report ;. I need to know that this being taking care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: SC

Complaint narrative:
XX/XX/2022 I sent a notice of fault and opportunity to cure letter to XXXX XXXX informing them that they are invading my right to privacy by reporting transaction and experiences on to my credit report in which I never gave written consent for the account to be furnished on my reports. I have yet to hear back from them and is really trying to reconcile this. They are violating 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer report information solely as to transaction as to transaction or experiences between the consumer and the person making the report ;. I need to know that this being taking care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I was horrified to learn that BMW reported my account as a collection for the month of XX/XX/XXXX. I paid off the lease in its entirety in XX/XX/XXXX and returned the vehicle accordingly. 
On XX/XX/XXXX, I received an alert from XXXX  XXXX credit monitoring indicating that I have a new derogatory collection reported by BMW. I immediately reached out to BMW, and was informed that there was an unpaid final bill that resulted in a collection account being reported to my credit a year later!!! 
Please note, I was NOT notified in writing by regular mail, nor via a phone call that there was an outstanding bill or about BMWs intent to report me to collections. 
Had I known that there was an outstanding bill, I would have paid it on the spot, as I had done on XX/XX/XXXX when I learned of this bills existence. Please reference my prior payment history with BMW ( attached ). I paid a total of XXXX of timely and early prepayments on multiple BMW vehicles in the last 2 years. Please correct the negative reporting as BMW failed to properly notify me that there was an outstanding bill. 
I spoke to a BMW supervisor by the name of XXXX, on XX/XX/XXXX between XXXX am and was informed via that phone call that BMW sent me ONE email in XXXX of XXXX. THIS EMAIL WAS NOT RECEIVED, and thus I had no idea there was such a bill. BMW failed to notify me properly of the bills existence, and failed to notify me that they are intending to transfer me to collections. The BMW supervisor admitted on the phone that there was NO NOTIFICATION from BMW indicating that they are intending to transfer me to collections. Upon consulting with my attorney, I was informed that a company is supposed to notify a consumer of their intent to transfer their file to collections. THIS WAS NOT DONE IN MY CASE! 
I have been a customer for many years, and have prepaid multiple BMW vehicles. Please see proof of prepayment for this vehicle, my wifes and daughters vehicles respectively. I am requesting that this collection reporting be removed immediately as I was not given a chance nor an opportunity to pay it in a timely manner. I would expect that BMW would have the decency to reach out to a customer who prepays all his cars in a timely fashion and has never been late in the many years of doing business with BMW. However, apparently that courtesy wasn't granted in this case. 
I am requesting the correction of this account immediately, as the bill was paid as soon as I learned of its existence. 
Please note a proof of prepayment for multiple vehicles. Also, please note a screenshot of all the emails that were RECEIVED from BMW. There is no record of the email referenced by the BMW supervisor. In addition, there are NO emails whatsoever referencing an outstanding bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/21 I received services from XXXX  XXXX XXXX 's XXXX XXXX at which time I paid my copay of {$50.00}. XXXX XXXX sent out labs to XXXX. XXXX XXXX billed and got paid by my insurance. XXXX did not. XXXX sent {$1200.00} to CCS and after I told them it was a mistake and that I never had lab charges so high. I called XXXX XXXX 's office and they informed me they got paid and it was a mistake and I didn't owe anything. I emailed XXXX  I found out they didn't respond to my first inquiry so I called CCS. I informed them I had insurance and the Dr. got paid. THe rep said I owed it becuase the insurance never paid. I demanded verification that the insurance was billed and he would not send it and insisted I pay the {$1200.00}. They never sent me anything so I notified XXXX through email I was planning to sue them and the collections agency as they damaged by credit and was turned down for a loan. I sent screenshot of my insurance portal to CCS/XXXX  shwoing XXXX XXXX was paid and there was nothing from XXXX. They asked for an EOB. I replied with How can I send you an EOB if you never billed my insurance. My credit score dropped XXXX points and I have proof of this and the damage this has caused.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Esusu, Inc.
State: OR

Complaint narrative:
Esusu, also known as XXXX XXXX XXXX, is a business headquartered at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX New York XXXX. They are a foreign company but operating in the USA. 

Esusu is a company that reports monthly rental apartment payments to the credit bureaus, therefore affecting Consumers credit scores. They often report to the wrong Consumer 's credit report and those Consumers need to be able to reach Esusu to clear up Esusu 's mistakes.

I have tried to communicate with Esusu by phone but their phone lines disconnect after a brief message. I reached out to them by email and they replied that they do not accept phone calls. ( Please see the attached email thread and please take note that my email to them was at XXXX XX/XX/XXXX, not XXXX on the XXXX as their email thread implies ). 

There are many elderly individuals who do not have the ability to use computers and send emails. I believe Esusu is in violation of certain consumer protection laws by not being available by phone while being a company that reports to the credit bureaus. I believe they also need to have a valid phone number to hold a business license. 

I plan to also submit this complaint to other government agencies where applicable, such as the New York State 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 2022-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I always pay my card ( The Children 's Place ) on time. So imagine my surprise when Comenity Bank calls my phone, multiple times, not leaving any messages, and when I do reach them, they are claiming that I missed a payment. My records show that i did pay them, and I do NOT appreciate Comenity harassing me via phone and mail, nor do I not appreciate them lying to all 3 credit bureaus and reporting false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 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: TN

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 2022-03-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd.
State: CA

Complaint narrative:
FMA Alliance continues to call me for a debt for someone else. I told them I am not the person they are looking for but called again. I told them the second time not to call me. 20 minutes later they called again and hung up. I called them back and asked to not be contacted again and they hung up on me. They have called me 5 times in 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I was left out of the 2022 CFPB & ( Mr. Cooper ) Nationstar Mortgage even though I had been complaining about their unfair addition of a {$170000.00} penalties fee to my mortgage after it was transferred from Aurora Loan Services when they went out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: I.C. System, Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Elevate Recoveries, LLC
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 an 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 non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TN

Complaint narrative:
We had XXXX install our internet in XXXX of 2020 at our XXXX house. They did a terrible job of the installation. They ran the disc by the driveway leaning over, ran the cable over the driveway. The system never worked and within a week, the cable was torn over the driveway and the disc was leaning over. I called the company about fixing it, and I could not get them to respond. I finally just asked them to cancel it because it wasn't working. We NEVER got internet. They told me I would have to pay a {$360.00} cancellation fee. I responded by saying that contracts work both ways and they have a responsibility to fix the service or cancel. The girl suggested I suspend the service which I did. I forgot about the service. We used our hot spot on our phone and the account came out of suspension came in XXXX of XXXX. I asked them at that time to come get their equipment. They refused. They did ask me to mail back on turn in the XXXX box. I think that box got thrown away. We forgot it belonged to that service because it didn't work and disconnected it completely. I took responsibility for the box and said I would pay them the {$300.00} to cover the cost of the box, but I was refusing to pay for service I never received. They continue to send me debt collection and have creditors call me. I have disputed in writing twice and by phone. Once on the phone I offered the {$300.00} to cover the cost of the box because that is what they told me the box cost. They refused the {$300.00} payment. I am standing my ground on principal alone. They didn't provide a service, and I shouldn't be XXXX into paying for something I never received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Once again these common criminals aid and abet con-artists and criminals when they allow one of their cardholders, in this case a XXXX XXXX XXXX XXXX to purchase our legal services under emergency conditions to try and help his XXXX girlfriend  from being thrown back on a plane out of the USA for God Knows What, and where our entire law firm team dropped everything to work on this deadbeat 's case all day, and then he does a credit card charge back because the US Government sent her back. We did everything that we could, but the test of a credit card under federal and local law is ( 1 ) whether or not he authorized said charge which he did pursuant to signed retainer agreement contract and ( 2 ) whether he received legal goods and services ( also attached ) which he also did. The contract itself states that we do not and can not guarantee legal results per ethics and law, kind of like a doctor can not promise if a XXXX won't result in the XXXX XXXX XXXX But either way we did the work, and deserve to get paid, not robbed as was done here, assisted by American Express, who unlike XXXX and XXXX, understands that a lot of their customers are scumbag con-artists, freeloaders, shoplifters and thieves. Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Impersonators contacted me claiming to be Capital One then got me to transfer money. I lost over {$2500.00}. 
Today I called XXXX to see about starting an account and was told I already had an active account. Someone used my SSN to create it. I got that cancelled and asked XXXX to flag it so they can not re-open it. 
My old gmail, old phone number and SSN are on the dark web, I am told. I changed to a new phone number yesterday and I am deleting my gmail account. 
The transfers to XXXX XXXX on my XXXX file are the fraudulent transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm reporting Experian because I have reason to believe that my score is being targeted. I pay my reporting accounts on time and never late, I have one late payment reported from a fraudulent account that I tried to dispute but they refuse to delete it, which is from a credit card company XXXX XXXX Bank. The late payment is over six years old. There are no other delinquencies on my credit report but for some reason my score will randomly go down drastically, and Experian can't justify why. I called Experian to get an explanation of why and they could not find a reason and told me to contact XXXX. I work so hard to keep a good score I pay everything on time and they decreased my score by XXXX points with no explanation. This is the third time this has happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/22 we issued a check from our bank ( Huntington Bank ) to XXXX XXXX Bank for payment of a credit card bill in the amount of {$3600.00}. 
On XX/XX/22 we received our next credit card bill from XXXX XXXX and noticed that the old balance was not showing as paid. Upon checking out Huntington account we saw that the check had cleared the bank. The check was endorsed by a different party, not closely resembling XXXX XXXX Bank ( copy attached ) and Huntington had paid the check with funds from our account. The bank obviously paid no attention to the endorsement. 
On XX/XX/22 we brought this issue to the attention of Huntington Bank in person at the local branch. We filled out a " Statement of Fraud '' as provided by the branch ( copy attached ).

It's now been over one week and we have not heard of any progress or status on this issue from Huntington Bank, despite several in person visits to the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation