vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Independence Capital Recovery, LLC
State: AL

Complaint narrative:
I requested a letter, which the collector refused to do. I reluctantly agree to correspond via email. I also asked that they not call me due to severe anxiety at which point he mocked me. Then did not send the email when he said he would. I had to leave a voicemail for the collector to remind him to send it on Friday XX/XX/22. 
I received a call from the collector on XX/XX/22, After I requested to not be contacted by phone. The collector tried to say I called him which was not the case and I have proof otherwise. The collector then tried to pressure me into scheduling a payment at which point I told him I wasnt comfortable doing. I told him that I asked him not to call back to reach me via email as we agreed. He said he would just continue to call if I did not schedule the payment today.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b XXXX. These companies have NO permission to report anything using my info pursuant to 15USC 1681 XXXX. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 169215 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 
XXXX XXXX XXXX XXXX is in violation. As stated in my previous complaint against this company who Ive never heard of or have Ive ever done business with is continuing to Harass me by attempting to collect on this alleged debt. As I requested before this company has ignored my requests to Cease and Desist all communication and collection efforts regarding this alleged debt.Instead they ignored all of the laws theyve broke and insisted that I reach out to them to discuss this matter in their previous response. There is nothing to discuss. XXXX XXXX XXXX XXXX has failed to provide me with any documentation that shows Ive provided consent to furnish this damaging information onto my consumer report. XXXX XXXX XXXX XXXX has sold this alleged debt to another company named XXXX who is now sending harassing letters to collect a debt that Ive previously requested to STOP! Attached is a letter I received from XXXX XXXX XXXX XXXX XXXX instructing the XXXX to remove this account tradeline from my consumer report.

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 2022-08-22 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:
i sent a dispute letter to the XXXX and XXXX  and transunion on numerous occasions to remove a account that is not mine. the three companies never ever got back to me about removing it. i also demanded them to provide the original contract with my signature that i sign its been over 100days and i still haven't heard anything back because of that reason and i demand for the accounst in question be removed this has been stressing me out and stopping me for being able to buy a home for my family and i

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 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2022 disputed XXXX XXXX  bankruptcy with Experian. The date account came back verified was XX/XX/2022. I have been going back and forth with company and also provided proof from XXXX the bankruptcy was unverifiable and removed. This has caused me a lot of XXXX and XXXX 

XX/XX/2022 XXXX Spoke with XXXX XXXX that Experian does verify with XXXX reporting the bankruptcy. The rep then says that they verify with the bankruptcy courts. After I told her that was incorrect she then says she was mistaken. Rep transferred me to supervisor. I told Supervisor XXXX stated they do not verify through XXXX and it is through another third party vendor. I asked her repeatedly who is the third party vendor they Experian uses and she would not tell me and then she says she can not see who it is verified through. Stated she will dispute the request and kept saying she understands. I told her to stop saying she understands because she does not and not in my position. The supervisor hung up on me when I kept telling her to stop telling me she understands and I told her I am not a child. 

Called back in and spoke to XXXX and she confirmed with me the XXXX is the third party that Experian verifies bankruptcy through. She also stated she located the letter I sent them that I received from XXXX and would submit it for dispute. She advised me that my last dispute that was in process did not have the letter from XXXX that I sent them. Rep was not able to attached the letter to my dispute so she stated she had to get me over to another rep who could. 

Spoke with XXXX and she stated that Experian does verify with XXXX and that XXXX is verifying account is valid. Rep stated she is submitting attachment to be disputed again. I asked rep if the supervisor put in notes that she was going to have Experian send me documentation of how account was verified, who it was verified through and who they spoke with and rep advised me supervisor did not. 


Doc # 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 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via electronic transfer, and through an intermediary named XXXX in the total amount of XXXX USD utilizing CitiBank services. 
This letter shall thrust into the spotlight, inter alia, the increasingly important role financial institutions play in the fight against financial crime and fraud, and the pressing need for higher levels of supervision and vigilance within the organization. 
Heres an indisputable fact : had CitiBank looked at the wider circumstances surrounding the above referenced transaction ( s ), this illicit transfer of wealth could have been prevented. 
Executing transactions without proper authority is not only a severe regulatory offense but also an irresponsible and reckless disregard of the customers financial safety. 
Against this background, and without derogating any of my rights, I hereby hold CitiBank liable for financial and emotional harm as well as XXXX problems relating to this victimization and demand that CitiBank reimburse my account in full within XXXX  days from the date of this letter.

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 2022-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: CO

Complaint narrative:
XXXX ) XX/XX/XXXX AssetCare reported XXXX derogatory remarks to my credit report for Medical debt accounts that I have already disputed with them, and do not owe. One debt is for than {$180.00}, and the other one is {$540.00}. 
XXXX AssetCare reports that the date opened is XX/XX/XXXX, which is also not acurate. 

XXXX ) XX/XX/XXXX I called AssetCare at XXXX and spoke with XXXX. I informed the rep that I disputed the debt, and requested a XXXX XXXX XXXX, XXXX XXXX, and my consent to share my information with a third party debt collector. 
- To Date, AssetCare has yet to provide me with the aforementioned information that I requested. 

XXXX ) Date of Service : XX/XX/XXXX & XX/XX/XXXX - Original Debtor : XXXX XXXX XXXX XXXX, aka XXXX XXXX, XXXX. 
- Per AssetCare 's documentation on my credit reports they stated they acquired the debt on My Findings after speaking with my Health Insurance provider : Debtor, XXXX XXXX, failed to bill the insurance provider for the debt they have attempted to collect from me, and the Insurance Provider has confirmed there are no charges from these two accounts for the Date of Service they claim that I owe them. 

In each of their reports to my credit, AssetCare, has given false information for the amount owed, and not provided proof of HIPAA release to allow them the ability to create any remark to my credit. AssetCare has furnished information about unpaid medical debts to credit bureaus without reasonable written policies and procedures regarding the accuracy and integrity of consumer information provided to credit bureaus. 

XXXX, XXXX and XXXX have been notified of the incorrect reporting, and disputes have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 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: NC

Complaint narrative:
In accordance with the Fair Credit act XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXXXXXX account XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 2022-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I sent a ceased and desist letter to TD Auto Finance, which was received on XX/XX/XXXX by certified mail. Since the TD Auto received the letter they have called and texted multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I received a notice from Southwest Credit Systems , LP on XX/XX/2022 claiming I owed an alleged debt to their company in the amount of XXXX I responded through certified mail with return receipt for my own evidence and ask for verification that I owed this debt. I never received a response, according to the FDCPA Southwest Credit Systems LP was supposed respond within 30 to 45 days failing to do so is a direct violation to my consumer rights. I wrote them back a second time and ask for verification again the notice went unanswered again. This agency was supposed to stop all collection activities and reporting to the bureaus until they provided a contract bearing my signature and other documents for verification that I owed this company anything and they failed to do so, furthermore I never gave them permission to report anything on my consumer report according to FCRA 15 us code 1681b that's a violation of my consumer rights as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Applied on XX/XX/2022 and hard inquiry shows on XX/XX/2022. Associate at store said I would receive a letter in the mail as I was not immediately approved nor denied, they just need more verification information. I received a letter on XX/XX/2022 dated XX/XX/2022 stating they needed to verify my identity and to call ( XXXX ) XXXX and so I did. I verified myself was told congratulations as I was approved. Then immediately received an email about another hard inquiry by this same creditor on XX/XX/2022. I immediately called Synchrony Bank at the previous number and they told me it would not have been another hard inquiry. I advised I was looking right at my credit report and it showed XXXX hard inquiries on XXXX XXXX for the same thing. They told me to contact XXXX XXXX and they would correct it. Called XXXX XXXX at XXXX and they pretended not to be able to hear me and hung up. Therefore I am reaching out to CFPB to remove the XXXX hard inquiry from my credit report.

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 2022-08-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Bank XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 Ay States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-22 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:
In accordance with the Fair Credit Reporting act XXXX Bank XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 Ay States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I had unknowingly cashed a check online through Chase Bank. The check was sent to me through an unknown person who claimed to have been the accountantof someone I was talking to through XXXX. The check looked photoshopped but I had thought it was too good to be true. The person I was talking to on XXXX claimed he wanted to be my sugar daddy and said he was send me {$500.00} dollars each week as my allowance. I believe fully that I was scammed as the check didnt go through at all, and now I am in the negatives on my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UMPQUA HOLDINGS CORPORATION
State: NJ

Complaint narrative:
Per prior case # XXXX ( with CFPB ) XXXX # with Financial Pacific Leasing ( XXXX ). This matter should not have been so closed so quickly from the CFPB. It didn't allow me ample time to provide a response to Financial Pacific Leasing 's response. Perhaps I will file a complaint with whoever oversees the CFPB. Do I need to contact the Inspector General or XXXX XXXX, XXXX XXXX and tell them I feel this matter was not handled properly. The company gave some generic response. They did not address how they come up with erroneous fees. They almost double and triple fees for customers ( including mine ). This can't be legal. I believe the Government and Congressional leaders have oversight and power over these companies ( to investigate and shut them down ) for illegal and deceptive practices as these articles clearly state. There have been many complaints from other consumers. Therefore, this should not be ignored. The XXXX XXXX XXXX filed lawsuits on behalf of other NY customers in reference to a similar company with similar illegal and deceptive practices. Please review/see the following links below. Financial Pacific Leasing is a subsidiary of Umpqua. It is also noted on their website. ( As a subsidiary of Umpqua Bank, Financial Pacific Leasing XXXX XXXX ) https : XXXX https : XXXX https : XXXX https : 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 2022-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
Integra Credit is misleading their consumers and abusing the credit system. I first reported their misconduct in XX/XX/XXXX for credit inquires and a lack of properly reporting my accounts to credit bureaus. Their website FAQ section states they only do a soft pull during the application process, however, with each application I completed, a hard inquiry was placed on my credit report. During XX/XX/XXXX, each inquiry was removed from my report. 
Integra has yet to report my 1st loan payment history although they advised on several occasions they do monthly credit reporting. 
I opened a 2nd loan with Integra in XX/XX/XXXX and during XX/XX/XXXX I called for assistance due to financial hardship caused by XXXX. I was placed in a Financial Hardship Program that postpones the payment due and stops collection activity for a period of 14 daysXXXX I entered into this program on XX/XX/XXXX and the status of my account changed immediately as per the email I received and my conversation with the representative. Despite this program, I noticed today that my loan account was reported delinquent on XX/XX/XXXX with no other payment history reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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:
XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX # XXXX and Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX XXXX # XXXX and Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: NY

Complaint narrative:
XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX  Account # XXXX and Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX  Account # XXXX and Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Report Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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