vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX IC System, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request for Acct # XXXX To Whom It May Concern, I am writing to formally request a validation of the debt that you have contacted me about, which is referenced under the account number XXXX. According to my records, I do not owe any debt to your organization or the original creditor. Additionally, I have received verification from the state of Tennessee certifying that there is zero debt in my name. I have attached a certificate of verification of XXXX records of debt owed by XXXX XXXX XXXX. 
You were contacted in XXXX about this debt and no investigation results were sent. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following information : XXXX. **Validation of the debt** : Please provide the original signed contract or other instrument bearing my signature which substantiates the alleged debt. 
XXXX. **Amount of the debt** : Please provide a complete breakdown of the amount you claim I owe. 
XXXX. **Name and address of the original creditor** : Identify the original creditor to whom this debt is owed, along with their contact information. 
XXXX. **Proof of assignment** : Provide proof that IC System , Inc. has the legal right to collect this debt on behalf of the original creditor. 
XXXX. **Verification of my liability** : Show evidence that I have a legal obligation to pay this debt. 
XXXX. Please provide all but not limited to any contracts signed with XXXX XXXX XXXX wet ink signature. 

Until these items are provided, I dispute the validity of this debt in its entirety and request that you cease all collection efforts. I also request that you immediately remove any negative information related to this alleged debt from my credit report, as reporting inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, please be advised that I am aware of my rights under the FDCPA and FCRA, and I am prepared to take legal action if necessary to protect those rights. I expect a timely response to this request, as failure to provide the requested documentation within 30 days will result in the presumption that the debt is invalid and no further collection activities are warranted. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and your intention to comply with my validation request at your earliest convenience. 

Sincerely, by : XXXX : XXXX : 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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I've sent several dispute letters trying to correct the inaccurate information on credit report, equifax refuses to remove it. My information is impacted by a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts that I do not recognize.

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 2024-05-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my credit report and saw accounts that I do not recognize.

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 2024-05-26 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: Global Lending Services LLC
State: CA

Complaint narrative:
There was a inquiry made on my credit report without my consent. 

I am victim of identity theft, and on my XXXX, XXXX, and XXXX i have a Personal Statement Alert : FRAUDULENT APPLICATIONS, and specifically says First Verify the identity of the applicant. It can be reached at XXXX The Company GLOBAL LENDING SERVICE Unauthorize an Inquiry on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal failed to put out annual notices Monthly as required in the EFT or electronic funds transfer which states the ETFs can not be returned. PayPal along with customers are in direct violation, which I have a fee schedule in place. This automatically makes PayPal liable for the fees attached to my name which is trademarked. My Social Security number, which is secure on the UCC PayPal needs to pay the fee schedule immediately Or a new class action lawsuit will be filed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: OH

Complaint narrative:
I have sent United Wholesale Mortgage letters of asking for the original promissory note, and asked them why i was never told my promissory note was a security and it was sold. I sent them a recission letter and a power of attorney letter as well. I have gotten responses back of letting me know i have another loan specialist and a quote for a payoff request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: IL

Complaint narrative:
My name is XXXX XXXX, and I am sending this complaint because this is the third time Ive filed my claim regarding my stolen identity, and no action has been taken. The credit bureau hasn't responded to my disputes, nor have the companies involved. I feel my consumer rights are being ignored. I am the victim here, yet I can't get the proper help or responses from the credit reporting agencies. If no action is taken soon, I will pursue legal action.

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 2024-05-26 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: IL

Complaint narrative:
My name is XXXX XXXX, and I am sending this complaint because this is the third time Ive filed my claim regarding my stolen identity, and no action has been taken. The credit bureau hasn't responded to my disputes, nor have the companies involved. I feel my consumer rights are being ignored. I am the victim here, yet I can't get the proper help or responses from the credit reporting agencies. If no action is taken soon, I will pursue legal action.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX - Incorrect Employers PROFESSIONAL TRANSPO - Incorrect Employers XXXX XXXX XXXX - Incorrect Address XXXX XXXX - Incorrect Address XXXX XXXX  - Incorrect Address XXXX  - Incorrect Date of Birth XXXX, XXXX, XXXX XXXX Incorrect Name

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 2024-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
First investors offered me a lower rate on my vehicle from {$22000.00} owed to {$10000.00} with a different amount I will owe monthly but failed to commit to they offer

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 2024-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had a account in 2015 and they closed it down and blocked me from signing up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Ive asked credit Corp solutions to provide me the original contract from the orig Place they purchased my debt from with my signature and proof of authorization. Ive never received it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after Experian Investigation. I would like this item immediately re-investigated. The inaccuracies are highly iniurious to my credit score ( XXXX XXXX XXXX  XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

PLEASE PROVIDE VALIDATION OF THIS DEBT! INCLUDE PROOF THAT VALIDATES THIS DEBT IS MINE BY PROVIDING DOCUMENTS THAT BEARS MY WRITTEN SIGNATURE THAT TELLS YOU THIS DEBT BELONGS TO ME. ALSO, PROVIDE PROOF THAT THE COMPANY IS LEGALLY REGISTERED AND BONDED TO COLLECT DEBT IN NORTH CAROLINA ; AND HAS THE LEGAL RIGHT TO COLLECT THE DEBT IN THE ACCOUNT. 

ALSO, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS ACCOUNT/ COMPANY HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS IN ACCURACY AND FAIRNESS OF CREDIT REPORTING STATED IN 15 U.S.C . 1681 SECTION 602 A. THE COMPANY HAS ALSO VIOLATED MY RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER SECTION 15 U.S.C. 1681. AS A RESULT OF THIS INACCURATE AND UNFAIRNESS OF SAID ACCOUNT HAS RESULTED IN EMPLOYMENT, FINANCIAL, AND HOUSING DAMAGES WHICH IS ILLEGAL ACCORDING TO 15 U.S.C. XXXX ( A ). 

DUE TO THIS FACT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOUR COMPANY OR CLIENTS FOR THE FOLLOWING : VIOLATION OF THE FAIR CREDIT REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, AND DEFAMATION OF CHARACTER. 

IF THEIR OFFICES ARE ABLE TO PROVIDE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION, DURING THIS TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST. 

IF THEIR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM ALL OF MY CREDIT FILES AND A COPY OF SUCH DELETION REQUESTS SHALL BE SENT TO ME IMMEDIATELY

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 2024-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
For years Ive tried to get Old Navy to stop reporting negativity on my credit and they refuse. The account has been paid off for years but they never remove themselves. They keep finding a way to stay on my credit report and every year it is suppose to be removed they find a way to stay on.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX - Incorrect Employers XXXX XXXX  - Incorrect Employers XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX Incorrect Address XXXX XXXX - Incorrect Address XXXX  - Incorrect Date of Birth XXXX, XXXX, XXXX XXXX Incorrect Name

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 2024-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: DriveTime
State: DE

Complaint narrative:
On XX/XX/2024, I applied for and was approved for an extension of credit to finance a vehicle at the Drive Time dealership in XXXX XXXX, Delaware. They informed me that they would extend the credit for a vehicle if I put a cash down payment. I informed the dealership and their customer relations department that it is unlawful to advertise a down payment pursuant to 15 USC 1662. They insisted that I still had to put cash down to secure my financing and took no accountability for violating my rights as a Consumer.

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 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
1 ) On XX/XX/2023, there is an inquiry from XXXX XXXX made to all 3 majors XXXX XXXX Agencies against my report file. I never had nor have i ever initiated any type of credit account with XXXX XXXX. 
2 ) On XX/XX/2023, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file. 
3 ) On XX/XX/2023, XXXX XXXX was place to my XXXX credit file by XXXX XXXX. 
4 ) On XX/XX/2023, an XXXX was place by XXXX XXXX XXXXXXXX to my XXXX credit filefile. 
5 ) On XX/XX/2023, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: FL

Complaint narrative:
1 ) On XX/XX/2023, there is an inquiry from XXXX XXXX made to all 3 majors XXXX XXXX XXXX against my report file. I never had nor have i ever initiated any type of credit account with XXXX XXXX. 
2 ) On XX/XX/2023, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file. 
3  ) On XX/XX/2023, XXXX XXXX was place to my XXXX credit file by XXXX XXXX. 
4 ) On XX/XX/2023, an XXXX was place by XXXX XXXX  XXXX to my XXXX credit filefile. 
5 ) On XX/XX/2023, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file.

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 2024-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I bought an item off XXXX via Paypal and opted for a XXXX payment installment. The item didn't work well so I returned it. I called Paypal- simply just to see how the refund would be handled since I had made XXXX payments and had XXXX outstanding payments. Huge Mistake!! The XXXX that answered the phone told me the ONLY thing to do was file a payment dispute. I argued against that, but he was adamant that was the only way to get the issue handled. Fast forward HOURS later and I'm still dealing with this nightmare and no end in sight. 
When the XXXX  paypal guy started the unwanted payment dispute that STOPPED XXXX from issuing my refund. My refund has now been canceled by XXXX because of that XXXX from paypal who opened the payment dispute. 
The cherry on top - then I get an email from paypal that they have denied the payment dispute. So now I have NO WAY of getting my money back and each company has XXXX  for customer service. 
XXXX says talk to paypal, paypal says talk to XXXX. 
Paypal will not call me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rozlin Financial Group, Inc.
State: MI

Complaint narrative:
I asked them to stop contacting my cell phone which is also my work phone number and I also asked them to stop emailing me and texting me and they continued to do so and I told them if they don't stop I will be filing harassment charges and they ignored it and started sending me mail a letter more frequently

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 2024-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Finance Direct LLC.
State: NY

Complaint narrative:
XXXX XXXX filed for bankruptcy resulting in abandonment of treatment. When treatment stopped I stopped making payments to the creditor XXXX XXXX. The creditor used Health Finance Direct LLC as a payment processing service. My problem is that Health Finance Direct LLC is telling me that I still owe them money for my uncompleted treatment. I told them I will not be paying anything until the matter is resolved and there is a new creditor providing treatment/service. Health Finance Direct will still send my notices requesting payment. This needs to stop until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
He came to my attention that Wells Fargo was no longer to hold it in the course over my account also it came to my attention that money 's were not applied to the account properly so I asked for the full accounting of the account I also asked for the person or the company that was the holder in the course of the account I also asked for all security instruments to be known to me forfeit account and everybody that was involved in or with this account I also ask Wells Fargo to show me that I owed the debt that they were saying that I owed I also asked Wells Fargo to settle this dead and close it to XXXX by sending in the promissory no sign sending in the instruments and Wells Fargo took all of the instruments now that I sent them to pay the account said they only take cash but kept the instruments and never responded anything but saying that they only take XXXX currency as far as cash is concerned to settle the debt on the account but it came to my attention that they also filed cancellations with the XXXX XXXXXXXX a bc and oid I sent then back the paperwork and the note and coupon accepted for value they keep but did not set the account for XXXX the in the mist the put it in action with out notice and sent the notice weeks after.

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 2024-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: MD

Complaint narrative:
I have a checking account with the amount {$35000.00} at XXXX XXXX XXXX XXXXXXXX and was opened through Juno Finance, and now I can not transfer the money out as XXXXXXXX XXXX XXXX XXXXXXXX halted the ACH process!!! That's my house downpayment, I need to use it!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation