vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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: CA

Complaint narrative:
I'm XXXX XXXX, and I'm filing this complaint on my own behalf with no involvement from a third party. Despite my repeated written requests, the unverified accounts listed below continue to appear on my credit report, in violation of federal law. 

The XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame required by law, and continued to report erroneous information, which now appears to be willful negligence and non-compliance with federal statutes, despite my attempts to address it directly with the creditor. 

PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX Balance Owed : { {$2300.00} } - US DEPT ED XXXX Balance Owed : { {$3900.00} } - US DEPT ED XXXX Balance Owed : { {$3800.00} } - US DEPT ED XXXX Balance Owed : { {$4100.00} } - US DEPT ED XXXX Balance Owed : { {$5200.00} } - US DEPT ED XXXX Balance Owed : { 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 2022-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I opened a CareCredit account during my time as XXXX XXXX XXXX for an elective XXXX and for as long as I can remember I have never paid a payment over {$250.00} ( I think {$190.00} has been the highest payment that Ive paid unless I chose to pay more ). When I went to make my XXXX payment of around {$180.00} I noticed that my XXXX payment had shot up to {$440.00} with my XXXX payment being almost {$500.00}. Well XXXX XXXX I was covered under XXXX but since I have been XXXX and I am now a 100 % XXXX veteran, care credit has refused to help me or explain why my payments have almost tripled. Even without the protection of XXXX my payments should not be that much. I called several times on or around XXXX XX/XX/2022 and no representative would help me. They ( only using they because both representatives refused to give me their names ) told me there were no payment options other than closing my account and that I was just be forced to pay this money even though I live off of a fixed income. They would not explain to me how my payments almost tripled even with the backtracked interest from some of the promotional periods that had expired nor would they put me in touch with anyone who could help me. 

At one point I had to hang up and call back because the representative was not letting me speak. she kept speaking over me and when I told her I needed her to hold for a minute she just kept going on and on about my account and wouldnt let me get a word in edgewise. I would like the CFPB to look into CareCredit because as far as Im concerned Im not the only one thats experiencing this issue with them. 

I made payments on a regular interest rate before I was told that I qualified for XXXX while it was still XXXX XXXX and my payments were nowhere near what they are now. I am trying to understand how my payments almost tripled even with the added interest from promotional periods, which have expired. It does not make sense and I believe that this company is using deceptive business practices and charging exorbitant fees without explaining to the consumer why these fees are there or just charging them thinking that the consumer will not question them.

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 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/2022 at XXXX, Ally Financial contacted an outside party. The outside party is a coworker of mine. The outside party was asked about my account twice even though the purpose of the call was to discuss their personal account. XXXX XXXX verified my coworkers social security number and phone number, and still proceeded to discuss the amount owed and my account with this person. This is a violation of 15 usc 1692b and 15 usc 1692c ( b ). This call was recorded. 

I understand that Ally, Ally Financial, Ally Bank are all registered under different business registration numbers. All being a different business possessing their own name. 
( the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. )

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 2022-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$1600.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase lies and does not dispute fraud claims. I opened a dispute with my credit card issuer, Chase on the XX/XX/XXXX because I did not receive the item ordered and the seller suggested that it was a mail fraud. After not hearing any update from Chase for over 35 days I contacted them on XX/XX/XXXX informing that I could provide any info if they needed. I was not contacted by Chase to provide my side of story and evidence of receiving wrong item. The dispute was denied and they charged me for the full amount today. I just wanted to return the item back to seller because I received a wrong item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: NC

Complaint narrative:
I purchased with XXXX XX/XX/XXXX. I was laid off from work during the pandemic XX/XX/XXXX. I contacted XXXX to initiate my unemployment benefit and the company XXXX began making payments to XXXX on my behalf. I also contacted XXXX multiple times to ask about options for ending my contract and applying for a hardship. XXXX has used multiple tactics and ploys to avoid returning my calls, emails, and correspondences and has since stated multiple times they would offer assistance, but not once actually done so even after contacting the XXXX XXXX XXXX and speaking with their legal team. They claim they report good and bad payments to the credit bureaus, yet the only reporting on my credit began in XXXX of XXXX and reflects no payments made to XXXX before they charged off my account after I made multiple attempts to work out a plan for my account. I tried multiple times to cancel my contract wit XXXX in previous years, but instead they would invite me to an owner 's preview and have me sit there for hours telling me my only option was to upgrade or " trade '' in my previous ownership to end my other contract. Even now after closing account, XXXX refuses to admit their mistake and continues to allow my finances to suffer and will not remove their negative reports on my credit. Their attorneys office XXXX XXXX continues to ignore any correspondence as well. I have continued to contact the XXXX, sent multiple letters to Experian to correct the issue, and contacted the Attorney Generals office.

Contact by the business ; Correction to a credit report So the response that XXXX sent to me ( as they claim above via email ) reads : That the Justice Dept of NC has suggested validity in their contract, which is a lie, I will attach the same letter I received from the NC Dept of Justice which states not such thing abnd XXXX also states they will not remove the credit reporting although it is blatantly incorrect and I have legally already requested a " letter of attestation '' stating that the information they have provided to Experian is accurate.

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 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am a natural person and completing this complaint upon my own request. I applied for the Apple Card and was denied. Please see attachment for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: GA

Complaint narrative:
In XX/XX/XXXX I got an email from a debt collection company Hunter Warfield about an debt that I supposedly to an old apartment complex, for damages. As soon as I got the email I called the company and gave proof that I did not owe this debt. After the call I did not hear anything from this company, and in XXXX of XXXX a collection was placed on my credit report. I have tried dispute this several times, with no luck. While, on the call on with this company one of their representatives tried insinuate that not paying this debt could hurt my chances of buying a home, before the guy I spoke with could finish the statement he was stopped by a manager listening to the call. The manger then asked me to resend proved of payment and gave me the wrong email address. I called back to get the correct email. I then after the call, called my old apartment complex to have them pull my pre-move in checklist that listed all the damages to my apartment before I moved in. The apartment representative said that she would have the manger pull the information I requested. Since that call in early XX/XX/XXXX I have not hear back from the manger, and they are avoiding my calls and refuse to talk to me. I called the collection agency back to see if they would close this debt for a lower rate, and they refused to accept the amount to close the account and fix my credit. I have tried everything that I can think of with no luck. I will proved the photos of the apartment with timestamps of when they were taken, my last bill, and money order that I paid with. Also I am going to be sending pictures of the emails I sent to this company, and got no reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  / XXXX / {$1000.00} XXXX XXXX / XXXX / {$76.00} XXXX XXXX XXXX XXXX XXXX / {$9100.00} XXXX OF XXXX XXXX XXXX / {$440.00} XXXX CARD XXXX XXXX / {$2900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2022-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX In XXXX I sent in XXXX partial payments totaling XXXX. Well Fargo Mortgage accepted these and applied them to the principal only and not to the XXXX Payment. Wells Fargo sent a notice they can not accept partial payments so I corrected this by sending in full payments in XXXX. Since Wells Fargo applied these to the principal and not to a monthly payment it caused a cascade of late fees from XXXX to XXXX. 

The total of late fees are {$2400.00}. Since that time I did not receive a call, email, or phone call about my persistent late payments as I assume I did not miss a payment. They continued to collect consistent late fees while I continue to damage my credit.

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 2022-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: NM

Complaint narrative:
I sent a debt validation request via USCB website on XX/XX/XXXX requesting information to validate debt for accounts listed by USBC representative as : Act # XXXX {$15.00}, Act # XXXX {$890.00}, Act # XXXX {$510.00}, Act # XXXX {$0.00}, Act # XXXX {$10.00}, Act # XXXX {$34.00}, Act # XXXX {$25.00} and Act # XXXX {$40.00}. In return, they sent a letter back on XX/XX/XXXX that did not contain the information to prove the debt was mine. The letter contained only account # s, amount due and creditor name. A certified debt validation letter was sent on XX/XX/XXXX requesting validation of debt information. I received only 3 letters for three out of eight accounts which are listed as follows : Act # XXXX {$890.00}, Act # XXXX {$25.00} and Act # XXXX {$34.00}. In these letters, it contained my private medical records/information that is a direct violation of XXXX privacy regulations. I never signed a XXXX form authorizing them to have access to this information. In addition, the remaining accounts were not validated after two attempts to ensure this was indeed my debt. Please delete this information from my credit file and cease all collections activities for the noted accounts above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: PA

Complaint narrative:
XXXX XXXX {$2600.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am making this report on behalf of myself, the consumer, with no connection to a third party. I have repeatedly tried to contact and resolve this issue with Transunion, itself but I am continually being violated. I have filed an identity theft report on two accounts, one with XXXX, and the other with XXXX XXXX. They have refused to delete this fraudulent information after several attempts by me to remove it. I have sent an affidavit of truth stating the violations they have done against me. They have refused to respond and therefore the affidavit stands as truth in commerce. I am writing this complaint to the CFPB because these companies refuse to comply with my lawful demands.

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 2022-02-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/2022 at approximately XXXX I received a notice from HR stating wages were going to be garnished. I received a WG-006 Claim of Exemption to file with the court. I contact the plaintiff office XXXX XXXX XXXX XXXX  I advised them that the debt was not mine. I am a victim of ID theft and I never lived/rented/tenant in XXXX XXXX XXXX where the allegedly tenant using my information rented a dwelling and not paid rent. The attorneys office asked for last 4 of DL and they concluded that it was not the ID they had and might be a fraud case. My wages are going to be garnished because of this case of mistaken identity and need it resolved as soon as possible. 
CASE XXXX I am a XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I dont know how to delete it from my 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 2022-02-02 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: AZ

Complaint narrative:
I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I dont know how to delete it from my 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