vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Okay! What XXXX not understanding is why Ive had to contact and write XXXX several times regarding this account. 

XXXX XXXX XXXX {$170.00} CLOSED/CHARGED OFF Opened XX/XX/XXXX Account # XXXX For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. XXXX has since sent a letter that theyve been sending for the past year. 
2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation.

3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against XXXX This account has been removed from XXXX as well. 
4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to XXXX several times to advise them on unauthorized account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: FL

Complaint narrative:
I chose to opt out of overdraft protection to avoid being hit with the {$37.00} fee that the bank says I won't get charged if I do this. I lost a source of income and fell into an insufficient fund situation in XX/XX/2021. The bank was making payments above my balance. I received a government payment that allowed me to pay off bills I needed to. But then on It started on XX/XX/XXXX with a {$190.00} payment to XXXX XXXX, and I was charged the {$37.00}. Then a payment on XX/XX/XXXX to XXXX for {$160.00}. And payments will into XXXX. There was a credit memo balance credit added, which only made things worse because it's not apart of my accounting system and cause even more problems with overdrafts. I received another government payment on XX/XX/XXXX, and the credit memo/ debit memo was taken out late, and taken twice. My balance is incorrect and now I'm being hit with even more charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc.
State: TX

Complaint narrative:
The alleged debt item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. The collector has been harassing me, by trying to collect some inexistent debt, and failed to verify any liability bearing my signature. 

1 ) The collector is harassing an individual, by trying to collect the inexistent debt from a corporate, while the individual in no way ever signed and obligated himself jointly any agreement.

2 ) The collector failed to provide any bearing signature agreeing on the alleged renewal agreement regarding the amount pretended.

3 ) The alleged renewal agreement in any case is out of the statue of limitations in any case.

4 ) The collector is harassing by sending emails, and calling to a corporate phone owned by my actual employer, in addition to be sending letters to a property which has caused complaints against me. 

The Collector has been instructed to Cease and desist any type of communication that is resulting in harassment, and potential claims due to non-compliance of federal laws under the Fair Debt Collection Practices Act, and the corresponding local state laws including the violation to individual civil rights for willful non-compliance. 

Failing to provide a copy of any alleged contract, or other instrument bearing my signature and may result in a small claims action against the collector, and the associates harassing. 

I am seeking a minimum of {$1000.00} in damages per violation for : Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) In addition to violations to my civil rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I am a victim of identity theft my information was used without my information to apply for a FRAUDULENT CREDIT INQUIRY. I have contacted both the furnisher and credit bureau notifying of this unauthorized acitivty on XX/XX/2021 CITIBANK BESTBUY I did not apply this fraudulent inquiry need to be immediately removed by XXXX and CITIBANK

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 2021-09-25 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: OH

Complaint narrative:
I am a victim of identity theft my information was used without my information to apply for a FRAUDULENT CREDIT INQUIRY. I have contacted both the furnisher and credit bureau notifying of this unauthorized acitivty on XX/XX/2021 XXXX XXXX I did not apply this fraudulent inquiry need to be immediately removed by Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: TX

Complaint narrative:
I recently sent out disputes over 30 days ago for a few accounts listed on my credit report. I received notice that this account was verified. I did not receive any supporting documents that I requested. This is my second request asking them to give me more information about this alleged debt. If such documents are not produced within 15 business days please delete this from my consumer report. I am fully prepared to take this issue to court to start a ligation. I have gave XXXX and Equifax over 30 days which they was suppose to verify and 15 days to sent out supported documents as I requested via supported documents in my dispute letter. They are now violated Section 616 & 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Accounts that I didnt open were on my credit report couldnt dispute the charges and account with the 3 major credit services Equifax ( XXXX ) had to eventually pay the amounts they listed to have some form of decent credit score eventually they have started the same things with new accounts not listing paymentsXX/XX/XXXX-present .XX/XX/XXXX Amounts XXXX XXXX XXXX not my account couldnt dispute charges with company or credit reporting agencies they kept resurfacing the debts or amounts owned to company XXXX and XXXX XXXX  ) XXXX overdraft fees and a account I couldn't dispute XXXXpresent XXXX XXXX XXXX  large payments wouldn't post after making them, XXXX  XXXX XXXX couldn't resolve the debt through payments amounts each month card debited without permission services no longer needed they wouldn't remove further cost and fees endless charges for paying certain amounts to process payments on time late fees without being late just endless. XXXX two accounts each month paid accounts on time adjust amount as the recommended they added a account I didnt have they said I had ( 3 ) accounts only had two accounts I spoke with them severaltimes about my concern and they returned my balance to the full credit limit what I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/2021, Trying to place a fraud alert or freeze my credit with Experian is impossible to do. They cant seem to confirm my identity online and want me to send in all these documents. I need this to happen immediately and dont have time to deal with mailing it in. XXXX and XXXX make it incredibly easy and stream lined over the phone. Why isnt Experian helping consumers in the same way? I am not comfortable mailing my personal information nor am I able to wait to get this matter taken care of. Identify theft needs action right away as Ive had several new credit inquiries as a result. There is also NO option of talking to a person at Experian. I dont understand how this is legal.

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 2021-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Opened an account with Citi Bank ( Citi XXXX XXXX  ) ... promised {$700.00} Bonus ... .we met all requirements... .have not been credited the {$700.00} Bonus ... this is a total scam and there should be a major class action suit against Citi Bank !

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 monetary relief
Consumer complaint received 2021-09-27 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: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Per my contract i will be asserting my rights as the debtor. My rights are the finance charge should have been the sum of all charges pursuant to 15 usc 1605. There was a downpayment in a consumer credit transaction per federal law when a downpayment is taken the car is considered paid in full. The entire credit sale was completed and paid for at the signing of the INSTRUMENT. 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Pursuant to 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ). You are not exemption from this. I will upload the contract which will be exhibit A the the highlighted sections.

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 2021-09-25 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: Self Financial Inc.
State: FL

Complaint narrative:
I, consumer XXXX recently reviewed my consumer reports from XXXX, XXXX, XXXX and saw that Self Financial Inc reported the status of the account with them as " closed charged off '' as per 15 USC section 1692d ( 1 ) my consumer rights has been violated. Any alleged unvalidated remarks or best furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. I never had a balance this company to be reported as charged off. The information reported are incorrect and is causing me stress and demand the organization remedy this situation as soon as possible. I plan to seek remedy for damages as a consumer and legal measures if Self Financial continues to tarnish my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: GA

Complaint narrative:
Okay! What Im not understanding is why Ive had to contact and write Experian several times regarding this account. 

XXXX Account # XXXX Opened XX/XX/XXXX Closed / Charged off For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. Experian has since sent a letter that theyve been sending for the past year. 2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation. 3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against Experian This account has been removed from XXXX as well. 4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to Experian several times to advise them on unauthorized account access.

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 2021-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
I submitted a written Request by fax and US postal mail to PennyMac 's Correspondence Unit in XXXX XXXX, CA on XX/XX/2021. This request was to Cease and Desist All Telephone Calls to my resident and cell phone number. It has been completely ignored by consumer law. I get call frequently everyday, especially during my dinner hours and on the weekends. My loan account is not delinquent, and when it is late I completely include my late fees. Last month I paid {$750.00}, when my payment is only {$710.00}. My loan account has never been 30 days late or a month in delinquency. It is not in collection either, or should not be. I want this company charged a penalty or fine for ignoring the consumer laws regarding collections and more. The Fine should be sent to me for harassment and deliberate attempt to collect a payment that is not a month behind, and has never missed a month of payments. See attachments I have sent to them since XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
{$170.00} Opened XX/XX/2017 Repeated attempts to ask for proof of debt and company will not comply. say they will provide the information and they do not follow up. They use terms such as " if and when '' find verification we will send it to you. The law states that they have to provide proof not " if and when ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I acquired insurance with XXXX XXXX in XX/XX/2021. I set up automatic payment and every month I had a problem with something from them accidentally deleting vehicles and then adding them back. When XXXX bill hit my account it went from XXXX to XXXX for the month the bill was due on XX/XX/XXXX and I canceled the policy on XX/XX/XXXX looking for a refund of 10 days instead I got a bill of XXXX. Nobody can tell me why I will be paying this when I never missed a payment and they add a premium after my insurance was already canceled. I disputed this with the credit bureau and I dont believe they should be able to charge anyone for a policy once its canceled.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
The Company is in violation of the Fair Credit Billing Act, in taking actions with respect to a closed dispute that I never requested. I never contacted the Company to request a withdrawal of the dispute and a rebill of the transaction. Further, by the Companys own assertion to the CFPB, I was able to consider this matter closed by XX/XX/2021. In the absence of any countervailing communication on this point, the CFPB and I should be able to hold them to this statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
The company had been calling all throughout the year during the pandemic. I told them I didn't have the payment amount so I would pay them when I got the funds or found a better paying job because I was catching up on large utilities. I had had a major repair needed in my home during the winter time of XXXX XXXX XX/XX/XXXX and also was still dealing with the effects of my car burning to the ground in XX/XX/XXXX. 
They said okay and asked me to pay the smaller of the two bank cards. I paid it off and started to work on the next one and they closed the account. 
Since the agreement was verbal and over the phone, they never sent me documentation of it. 
After, I got a hold of XXXX XXXX XXXX and we were writing a proposal deal to their company. When we called them, they offered a Customer Assistance Plan which they developed way later in the pandemic. I reviewed both offers with the XXXX XXXX consultant and I opted to take Synchrony 's CA  plan. Now they're calling me today, stating that I owe them money of {$200.00} overbalance on my account and sent my account to collections per my credit monitoring services. ( Which doesn't make sense because when I log into the account, it shows that I don't owe them a payment till XXXX for {$57.00}. ) Sychrony appears to not be honoring their agreement and has wrongfully sent the account to collections ( which was not in the agreement when the account was changed to the Customer Assistance Plan ). 
It's been over 30 days since the agreement was made and they are calling me today on a collections call on 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