vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I called Transunion to followup on a letter I sent XX/XX/XXXX ... about fraudulent inquiries on my credit report. I did not approve these inquiries to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized. I have reported the theft of my identity to the FTC. Please review the enclosed copies of the identity theft report regarding this incident. Please investigate these matters and remove the disputed items as soon as possible. 

Fraudulent Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-23 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX is in violation of Section 602 15 USC 1681 ( a ) accuracy and fairness on credit reporting. I demand you remove all the accounts attached in the documents below immediately. Pursuant to 15 USC 1681n section 616 of the Fair Credit Reporting Act any damages can demand remedy fro {$100.00} to {$1000.00} for each violation.

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 2022-01-23 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I Have been trying to get All three Credit reports for 3 years now and Excuses have been made and access denied. 
Now my identity has been Stolen. I reported identity theft for Myself and my dead granparents. I have the report numbers. I reported it to. FTC and to the Fbi. I was part of an equifax data breach of my grandmothers in 2017. Now i got part access to one report. A Manager from equifax used my informatiom and allowed someone to open accounts in my name and Withdraw and transfer money. XXXX XXXX XXXX at Equifax. The Managers should be monitored and checked. Now that they are done collecting and transferring money and spending accounts in my name i Can access part of one report. Nebraska XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and a few other. I couldnt have access but someone else could?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
I called Chime to close a fraudulent account associated with my name. They were very unhelpful with closing the account and did not help me resolve this in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
SPS Servicing has been awful. I had my loan transferred to them and they have not applied payments to my account and consistently raise payments and increase escrow as well as homeowners insurance. They even deducted more money in one check I wrote electronically. They also are not applying my payments when I have deposited checks shown!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I sent a letter to I C System requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. I C System is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of violations against the FDCPA.

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 2022-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is a fraudulent account on my credit report under XXXX XXXX XXXX. I have not have contact with this company. I do mot have access to this account. There is a fraud alert on my credit report that states to contact me before opening account. Please investigate and verify. If you can not validate the above accounts, I am requesting that you delete them immediately. I appreciate your timely response in this matter.

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 2022-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I sent a letter to Caine & Weiner requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. Caine & Weiner is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of other violations against the FDCPA including false representation, unfair practices, and furnishing deceptive forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
CONGRESS COLLECTION XXXX  AT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$60.00} THE COLLECTION HAS BEEN REPORTED AS PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
So I had an old credit card debt that turned into collections when I wasn't the brightest when it came to credit or paying stuff off. I asked the bank what my options were because I was going through a tough time and somehow a {$300.00} limit turned into a {$680.00} collections bill with no explanation and years of interest added on. Shortly after in the coming months they then contacted an old work place in which 2 people other than me answered the phone. One of which was my brother and another employee who has no relationship to me now found out information about me and that I owed debt to a collections agency. I got into a big family XXXX  because of it and ever since I've been traumatized by this experience. I get a text from my baby cousin who was around XXXX at the time saying someone called him during school hours asking information or whereabouts on me because I owe someone money he was scared and hung up the phone. Now they said they served me papers but unfortunately for them I don't live with my parents and haven't for awhile. I'm trying to find a lawyer now because they issued a writ of garnishment for my employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I had an XXXX XXXX on XXXX XXXX in XXXX XXXX, CA and was taken to the emergency room at XXXX XXXX XXXX for treatment. This was the second visit to this ER in less than a year. 

I had been unemployed since XXXX due to my XXXX. At the time, I had XXXX insurance that I was paying out of my savings. I was receiving unemployment ( ~ {$450.00} / week ) with a XXXX supplement ( ~ {$300.00} / week ). My income was far below 350 % percent of the Federal poverty level. During the year before I had my XXXX, I had medical bills of more than {$10000.00} ( far more than 10 % of my income ). California law ( SB-1276 Health care : fair billing policies ) requires hospitals to provide discounted care to patients more than 350 % below the Federal Poverty level and with out of pocket medical expenses more than 10 % of their income. 

I spoke with billing agents at XXXX. They told me ( over their internal messaging system ) that I needed to apply for their charity care program. At the time, they told me they could not accept an online / emailed application and that it would need to be sent via mail. I mailed an application to them with copies of my unemployment paperwork, as well as all of my medical bills. I never heard back from them. I tried reaching out by phone, but was told that they could not tell me anything about the status of my application. I started receiving bills for my care again in early XXXX at my parents ' address in Texas ( where I moved when my unemployment and savings ran out ), so I sent another application form in, this time with my XXXX W-2, which shows an annual income of ~ {$39000.00}. 

In XXXX of this year ( XXXX ), I received a bill from USCB America ( a medical debt collector ) trying to collect this bill. Because the hospital has not provided me with discounted care, it is not legal for this debt collector to attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I purchased an extended warranty with my new car, it was explained to me, and I could also read in the contract that I could cancel this warranty within 60 days of purchase. A few days after I had the car I called the finance officer at the dealership and told him I wanted to cancel the extended warranty because I was concerned about the extra cost. I was told that if I cancelled at that time, the loan amount would still be the same every month because the loan had already been approved and could not be changed. So I thought I would wait to cancel until later, just in case I still had the car after 5 years, when the original warranty would end. 
It was not explained to me that the warranty I purchased would start on day XXXX of the contract instead of after 5 years which is what I assumed. Because why would I purchase an extra warranty to run alongside the already very good warranty that Hyundai is very proud to advertise. Nowhere in the contract does it state when the extended warranty starts.

I even called the main Hyundai finance office a few times just to be sure that I had my facts correct and could cancel and get my money back. No one either at the dealership or the main finance office told me that if I waited 5 years to cancel after the initial warranty ran out that I would only get half the money back. 
I feel completely mislead by both the dealership and the Hyundai Corp. I did not sign part # 3 on the form that says the service plan was explained to me, it obviously was not or I would never have waited so long to cancel the extended warranty.

I had not planned to keep the car this long, my plans changed because of Covid etc. 
I went ahead and cancelled the contract after my final payment was made, but I am very upset that I lost half the money and I would like to see if that could be remedied. 
I would also like to add that it was extremely difficult dealing with the dealership regarding cancelling this contract. I had a hard time getting anyone to return phone calls, including the general manager who never got in touch with me. I even resorted to driving XXXX hour to the dealership so I could get anyone to help me initially.

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 2022-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: TN

Complaint narrative:
I sent a letter to Plaza Services requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. Plaza Services is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of other violations against the FDCPA including false representation, unfair practices, and furnishing deceptive forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: CA

Complaint narrative:
Greetings, Please find attached a record of dispute ( dated XX/XX/2021 ) mailed to Equifax requiring the addition of the account/s information included therein to my Equifax file XXXX The same was to update my Equifax consumer report at which time a copy of said updated report was to be delivered to me as a result of the re-investigation. This requirement was per 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1681i ( a ) ( 6 ) ( B ) ( ii ).

Based on Equifax 's failure to respond or update my consumer report as required, I did deliver the attached reconciliation document ( dated XX/XX/2021andXX/XX/2021 ) within the thirty ( 30 ) day time frame described per 15 USC 1681i ( a ) ( 1 ) ( A ) for re-investigations. Consumer report updates per reconciliation document is by right of the consumer. See 15 USC 1681i ( a ) ( 4 ) and 15 USC 1681i ( a ) ( 5 ) ( B ). Equifax has failed to respond to the consumer. 
As supervisors of the Consumer Reporting Agencies I request CFPB to direct Equifax to update my Equifax consumer report with the attached account information. I ask that you also update XXXX and XXXX with the same information. ( See FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: MD

Complaint narrative:
I received the debt collection letter from Receivables Performance Management , LLC in XXXX stating that I owed {$1600.00} for the leased car that I had returned in XXXX to the original creditor which was XXXX XXXX. For information, I obtained the car through XXXX which worked with the creditor so the leasing company withdrew the weekly payment automatically from my XXXX earnings. I had paid off any amount I owed the day I returned the vehicle back in XXXX. Up until last XX/XX/XXXX when I received this debt collection letter, XXXX XXXX as the original creditor had never reached out to inform about any debts owed. 
I called the number and I spoke with the agent. I demanded them to show me the agreement and the contract that I indeed owe such money. The agent agreed to show me the contract as soon as I sent the letter in mail to dispute. I did write to them to request the contract. I received their response in mail merely showing the breakdown of the balance but not the contract. 
Fast forward, I received another letter from them that they reduced the settlement from {$1600.00} to {$1200.00} as long as I paid them in full by XX/XX/XXXX. 
I attached the letters from 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 2022-01-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX {$16000.00} Account closed Terms of 1 Month. Payment status : Seriously past due date assigned to attorney, collection agency. I have never opened an account in XXXX with no one. I have tried to dispute numerous times sent in docs. At this point Im ready to move forward with filing a Lawsuit against Experian!!!!

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 2022-01-23 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: TX

Complaint narrative:
My credit score on XX/XX/2022 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.

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 2022-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MI

Complaint narrative:
ERC [ ENCHANCED RESOURCE CENTERS AT XXXX XXXX XXXX, XXXX, FL XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$880.00} THE COLLECTION HAS BEEN REPORTED AS PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT ......

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX has violated my FCRA rights. This issue was fixed recently and it reappeared on my credit file. This appears on my Equifax and XXXX credit profile. It has inaccuracies stating that I made payment on XX/XX/2021, when I never made payment this is on Equifax. XXXX states I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
This account isnt mine it was already removed which means its a reinsertion Im asking for the account to be removed from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX DIDNT INVESTIGATE XXXX XXXX XXXX ACCOUNT NUMBER XXXX ON MY EQUIFAX CREDIT REPORT # XXXX. MY PROOF IS A COPY OF DEED FROM XXXX COUNTY COURT HOUSE, MY NAME IS NO WHERE ON THIS DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
ON XX/XX/2021 I sent a money order Account number XXXX in the amount of {$500.00} for full satisfaction of the promissory note for Navy federal it was sent along with a Accord and satisfaction letter detailing exactly what I was trying to do it clearly and conspicuously Stated please be aware if this money order is accepted/cashed this is the new agreement and contract and will be without recourse for all parties once this payment is accepted navy federal promissory note for XXXX XXXX XXXX IS TERMINATED WITHOUT RECOURSE it also stated the codes and definition of accord and satisfaction so that it would be clear as to what was written on the money order navy federal willing and knowingly accepted and cashed the instrument and therefore agreed to this agreement. 
Please refer to these case law to have a full understanding of the liability that navy federal has to uphold for this agreement.

UCC 3-603, UCC 3-311 , UCC 3-419, UCC 3-205. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX So. XXXX XXXX, XXXX ( XXXX ) )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation