vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have attempted to fix this situation with XXXX which they sold this fraudulent account to NCB Management Services, I have sent letter to provide information of : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing / leasing of this vehicle. Please be sure to include any arbitration provisions. 
2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment. 
3. The Notice of Sale / Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. Please provide proof of mailing for this letter. 
4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. Please provide proof of mailing for this letter. 
5. Any notices regarding our clients right to redeem personal property contained in the vehicle. Please provide proof of mailing for this letter. 
6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to non-professional buyers. 

Nothing has been sent back to me. Letters were sent on XX/XX/2022, XX/XX/2022, and i even submitted complaints of fraudulent activity via the CFPB about 1 month ago and XXXX 's response was that they sent a letter of their investigation. No investigation happened though.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC
State: IN

Complaint narrative:
A written letter request of Validation of debt was sent XX/XX/2022 to Professional Placement Services [ L.L.C ]. This company responded on XX/XX/XXXX with only one forms of the validation consisting of amount owed and the organization. 

Professional Placement Services [ L.L.C ] has failed to provide copies of any papers that show that I agreed to pay the amount you are stating is owed. 
Provide a verification or copy of any judgement if applicable. 
Prove the Statute of Limitations has not yet expired on this account. 
Provide me with the license that you are allowed to collect within my state. 
Provide me with license numbers and Registered Agent or Agent of Service/s. 

Professional Placement Services are in violation of the following 3 below : Violation of the Fair credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation Of Character Professional Placement Services [ L.L. C. ] has failed to provide proper documentation as requested in the following Declaration. During this time all collection activity must cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, Transunion, failed to block and remove all the account on the FTC Identity Theft Report. 
My credit report is still reporting an account XXXX XXXX. This has caused me great anxiety, stress, and financial hardship.

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 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have answered their harassing calls and called them. I have ordered from them in the past but always paid immediately via XXXX. I never charged anything. I had to block their calls. They called many times a day. Today I received a written bill. I called them but was not happy with their response. They asked for more info than I was willing to give. The bill they sent refers to an account number allegedly XXXX numbers long but they only printed the last XXXX numbers. It looks like this ****, ****, XXXX At first the calls identified as comenity bank. Never heard of them. After many calls they finally said it was from XXXX XXXX. I repeatedly told them this is not my bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 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: NY

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 2022-09-13 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: DE

Complaint narrative:
Iam a natural person, Iam a living human being, and i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy and did not give Equifax written permission to furnish these accounts. 


XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Last year early XXXX. I got a title loan. And it has been XXXX. I paid off loan late XXXX. 2 weeks later they took it. Destroyed my XXXX XXXX XXXX  transmission both differentials and transfer case. I converted my wifes XXXX XXXX  from 2wd to awd. I'm a 30  year XXXX XXXX XXXX. So apon dragging it away. I found it myself. Paid XXXX out of pocket. They lied Said they did not receive it. Lies it was signed for at location. I own my own businessXXXX XXXX XXXX XXXX ca, I put a mechanics lien on the vehicle sending wilshire a bill for XXXX Since my wife OWNS the vehicle she bought in cash at XXXX. Now they fully brought over 250 cars to my city. Moved into homes in my neighborhood. Cameras are on my home 24/7 I even caught them listening to my phone calls. I was in the military. I know XXXX XXXX. They inked 4 houses together using a bogus company with a bogus contractor 's license. I even have a decoy in my garage. I put the tracker in the exact spot. Real car is parked around. My name XXXX XXXX XXXX XXXX. I also with the California  XXXX XXXX. They do not talk to me one I have several years of XXXX XXXX and I just don't take XXXX. So I have proof of everything going on XXXX I also filed a stolen car claim. With 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 2022-09-13 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: IL

Complaint narrative:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

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 2022-09-13 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've contacted Transunion numerous times by phone and mail when you call your routed to some foreign country where you are just routed from operator to operator with no knowledge of your issue... Im disputing a Public record that's reporting on my Transunion consumer file that is incorrect Ive filed with attorney general, contacted the Courts and there is no finding of a public record ... CASE NUMBER 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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: OR

Complaint narrative:
I have had loans put in my name in the amount of XXXX and XXXX i have no knowledge of it as well there has been auto leases out in my name i dont even have a license and home loans which i rent and never have had any of this i am just wanting ti talk to someone about it identity theft i see several names close to mine on my credit report and i have been trying so hard to get my score up and be on good terms i should only have a student loan and credit card These are not me see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, 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: FactorTrust, Inc.
State: CA

Complaint narrative:
Yes I reached out to back to trust I asked about the obligation they have under me under the fat credit act I asked to be primary remove and security freeze delete all personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-13 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: NJ

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
1. Lender : Cardinal Financial Mortgage balance from refi XX/XX/2022 XXXX. XXXX Payment made to XXXX as XXXX. 3. Cardinal Financial Changed Servicers to XXXX, debtors NOT notified, so continued in XXXX, XXXX and XX/XX/2022 to pay Shellpoint. XXXX. XXXX wired funds to Cardinal ( new servicer XXXX ) for XXXX, XXXX and XXXX payments. 5. Cardinal has been informed multiple times by phone and email of the above. 6. Cardinal has failed to apply debtors payments to it's account. 7. All Payments have been made on time by debtors by electronic bank transfer. 8. Cardinal has reported debtors to credit agencies with late payments, but no payments were made late by debtors. 9. Cardinal has received proof of payment by bank debit screen shots, wire numbers, proof of payment documents from XXXX XXXX XXXX, and most recently by XXXX account statements. 10. Cardinal has spent more than two months " researching '' this issue, but as late as last week, continues to insist it does not have our payments applied to our loan account. 11. Debtor has spent multiple hours on the phone and online with Cardinal attempting to verify the payments were made. Last week, debtor 's bank, XXXX XXXX, attempted a call to Cardinal but Cardinal would not agree to XXXX XXXX recording the call, so I was unable to have my bank speak with the mortgage company with me on the phone. 12. Cardinal 's research department continues to send me emails which ignore the fact they received three federal wires from their own previous servicer, XXXX, on this account. 13. On XX/XX/XXXX, I sent them an account statement from XXXX showing these wires with tracer numbers. Customer service agents for Cardinal told me repeatedly that Cardinal ( Dovenmuehle ) needed time to research and then reconcile the payments from XXXX, but the " Research Department '' has not been able to find the payments from their own previous servicer for more than two months. 14. Debtors ' online payment history with Cardinal does not reflect payments made by debtors and received by XXXX ( servicer ) for Cardinal ( lender ). 14. Both debtors want their credit reports immediately corrected by removal of the false statements about late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
The attached documentation shows all the required info requested. 
I will enclose all the communication with JP Morgan Chase as how I had tried to resolve this issue directly with them. 
This all started in XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX when I was frauded to transfer funds for a investment and upon several days of transfers realizing it was just a scam I stopped and sought Chase, XXXX and XXXX XXXX for assistance for the loss of my funds. 
I explained this to all involved parties that I was scammed from XXXX XXXX for a investment and with no opportunity to pay to release the funds over and over again. I stopped and sought help to retrieve my stolen funds. 
Their were other transfers that were non wire but I am here reporting the info I had requested from Chase directly. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Collection Systems, Inc.
State: FL

Complaint narrative:
I have contacted this company by mail several times and have attached all letters below to show all proof of what I am asking for and nothing has been to me. Letters were sent on XX/XX/2022, XX/XX/2022, and XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Premium Credit Bureau
State: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

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