vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never signed anything requesting Transunion to run my credit. Please have the to send me a copy of the signed document authorizing these companies to pull my credit I'm a victim of identity theft and had filed a report with the Idenity.gov to report theft of my personal identity. Please have them to remove these from my Credit Report please. I am protected under the FCRA 1681c-1a2d 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 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

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 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: PR

Complaint narrative:
This debt of {$660.00} is related to an Alarm Company : XXXX, that ceased to provide services in XXXX XXXX back in XXXX, although they kept charging monthly, after several attempts, requests, letters to request to stop automatically charging my Company XXXX XXXX XXXX ) for services not received, I requested our bank to do not process these automatic payments any more, as they were not authorized and the Alarm CompanXXXX had several times confirmed that they were not going to keep charging, although they kept doing it. I was contacted by a collection company ( MOUNTAIN RUN SOLUTIONS ) some weeks ago regarding this Debt, I explained everything and told them that it is XXXX  which actually should be refunding us for all the automatic charges they promised not to do, but they did any ways. They didn't care, they didn't listen, they didn't request for any back up information, which we have, they told me I had to pay and if not I was going to be reported to the credit agencies, even though the debt is under the XXXX XXXX company name. Today it is a collection in my credit Report and I lost XXXX points from my score for a {$660.00} debt collection that is from more than 5 years ago, from services not rendered, unlawful charged, and not my personal debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
To whom it may concern : I in good faith filed out an application for Chase Credit Card through the Marriott website for personal, family, and household use on or about XX/XX/2022, pursuant to 12 CFR 1002.2 ( f ). On XX/XX/2022, they denied my application and sent me an adverse action letter pursuant to 12 CFR 1002.2 ( c ). I provided the same account information ( pursuant to 12 CFR 1002.2 ( a ) ) as every approved applicant they have, but they discriminated against me by denying me an extension of my own consumer credit pursuant to 12 CFR 1002.2 ( h ), 12 CFR 1002.2 ( n ) and 12 CFR 1002.2 ( e ). As an aggrieved applicant, their denial is causing me significant harm ( 12 CFR 1002.7 ( a ) ). 

I am requesting a copy of their self-testing and self-correction pursuant to 12 CFR 1002.15. I am also requesting all documentary evidence to ensure they haven't sold my application or pooled it to purchase financial instruments in my name pursuant to 15 USC 44 and 17 CFR 229.1101 ( c ) ( 1 ). 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I had XXXX XXXX with my own XXXX XXXX doctor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX After the physical I asked my doctor to check some pain in my back, after a quick check, he stated that I should go to the emergency room at the XXXX XXXX XXXX in XXXX MA. 
I went to the emergency room with my XXXX referral to get a quick XXXX XXXX. In the emergency room, I was interviewed by several staff members including assistant nurses and nurses. I was never seen by a doctor or received any care including the XXXX XXXX I came to get. I left the emergency room after 3 hours of waiting. 
I went to the XXXX XXXX XXXXhe next day to get my XXXX XXXX  and diagnosis as prescribed by my Doctor. 
A few weeks later I got a bill for {$490.00} stating that was my co-pay. My insurance plan states that my co-pay is {$100.00}. I refused to pay the bill due to the main reason I did not get any treatment in the emergency room. I was and still am willing to pay the {$100.00} co-pay for the emergency under the condition that the XXXX XXXX XXXX and the collection agency retract the derogatory remarks from my credit reports. 
On XX/XX/XXXX, a derogatory remark appeared on my credit reports and my credit score was lowered by XXXX  points. 
I feel that this is very unfair for the collection agency to report this as they never contacted me to state that such action was going to take place. 
I am seeking the help of CFPB to help me clear this mess and restore my perfect credit reports. 
I was also told that this could be subject to the " Surprise billing '' law. 
Any help to resolve this problem as quickly as possible. 

I have not contacted the credit bureaus or the collection agency. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: GA

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 year old daughter 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 non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
A certified letter ( XXXX ) was sent to GM Financial/General Motors Financial Company/General Motors , LLC/ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  to demand for validation of debt Pursuant to 15 U.S.C. 1692g. I requested documentary evidence to ensure I am obligated to pay this alleged debt.

Pursuant to 15 U.S.C. 1692c ( c ) ( 2 ), I invoked specified remedy and demanded the following : A copy of the contracting binding both parties consumer and GM Financial in a letter by certified mail so that there is an independent witness to it having be delivered Verification of GM Financial claim against consumer that will be a signed invoiced Validation of the alleged debt and that will be the actual accounting as it relates to o Book of account ( GAAP ) related to consumer credit transaction and the account which will include the ledger of both sides. 
o Financial and corporate records that would substantiate this allege claim of {$13000.00}. 
o Any other lawful or verifiable proof of claim money for loan originated from GM Financial XXXX bank account or stock Any XXXX filing and or statement including any addendums Consumer received a formal notification that GM Financial was in contact of their reference to account XXXX. From the requested information above, GM Financial stated this account may have been fraudulently established as a result of identity theft. I was seeking to validate debt. Pursuant to USC 1692g I asked the office to provide proper document as requested. GM Financial was advised to cease and desist all collection and communication activity unless you notify me this debt has been zeroed out and reported paid as agreed to all credit reporting agencies and the company is no longer collecting on the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEALTHFRONT CORPORATION
State: CA

Complaint narrative:
I had a been with this bank for awhile they had suddenly closed my account at there discretions but before that I had my money deposited into this account from me doing a bank transfer into this account, and before they even closed my account I had done one more transfer to my XXXX account to be on the safe side once I did that bam my account was closed I couldnt log in on the app they had completely closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
USBank has an issue with their automatic payment system. Twice now we have had to change the payment details within 2-3 days of a due date. When doing this it FORCES you to not only pay the current amount due but also the next month 's payment ( roughly {$1500.00} ) even though it is not due for another 25+ days. Now, after the last time this happened and we were FORCED to make a double payment, the due date for our next payment was set to XX/XX/XXXX. Now today XX/XX/XXXX even though a payment is not due until XX/XX/XXXX it automatically took another {$1500.00} from us and set the enxt due date as XX/XX/XXXX almost sixty days in the future. This is unauthorized and is theft. The bank refuses to address this and we are not wealthy people with the ability to gift the bank {$1500.00} because they can not architect their online payment systems properly. We want the XXXX payment taken in XXXX without authorization refunded immediately.

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 2022-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
This company has come to my work and discussed my loan in front of the other employees at my work place They have called my work place and asked if I have discussed my business with my employee I have tried to make a payment and they refused because it was not the full amount I have discussed a complaint with their District manager and still continue to contact my place of employment and not just to have me call Its an everyday thing so there are not dates just to give

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CO

Complaint narrative:
My claim concerns Jefferson Capital Systems ( debt buyer ) attempting to collect on an account which is disputed by myself under general principles as outlined in the FCRA. 
I have disputed this account with XXXX, XXXX and XXXX, and the company stamps the dispute as having been deemed accurate days later, with no proof whatsoever, no investigation, no documents, nothing but the false statement that they have met the guidelines for accuracy in disputing as presented in the Fair Debt Collection Practices Act. 

Jefferson Capital Systems has violated my rights in this regard, and I wish for this agency to intervene and mediate this matter, make this complaint public so that others may learn from it and so that it becomes part of the public record against Jefferson Capital Systems violation of consumer rights. 

I authorize this agency to review all my credit bureaus, to verify the claims outlined, where multiple disputes have been presented, including date and time, and when they have been returned as accurate ( date and time ) without the requested information. 

Also, since I dispute this as not mine, I ask that this agency mediate the matter of mandating an investigation and removal of this error collection, so far as it is able under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A credit inquiry from XX/XX/2021 of attempting to open a credit card line with my bank will not remove the inquiry from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian.com has tried billing me {$4.00} & {$24.00} respectively to fix their investigation in an attempt at retaliating against consumer in regards to a XXXX data hack XXXX, XXXX XXXX Experian have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over 720 in XXXX & several lenders are not reporting on time or accurately

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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Certegy Holdings, LLC
State: KY

Complaint narrative:
On XX/XX/2022 I submitted a check to XXXX in payment of a catalog order. The check was returned in XXXX with a note from Certegy indicating that the transaction could not be completed due to risk management concerns it had uncovered. The note advised that I had the right to obtain a copy of the information used by Certegy to reject my check. However, I have repeatedly tried to obtain such information, to no avail. Certegy has conditioned the disclosure of why the check was rejected upon my providing it with my driver 's license number and social security number. In numerous contacts with the company I have asked why Certegy requires disclosure of PII not available to it at the time the check was rejected. I have provided Certegy with the amount of the check, the date it was written, the payor, the payee, the check number, and the bank the check was written on. Again, the rejected check accompained a mail order purchase. At the time of the aborted transaction Certegy did not have access to my driver 's license number or my social security number. Why then does it now require such PII to explain why it interfered with my transaction with XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: AL

Complaint narrative:
Ive disputed A collection with TransUnion. XXXX XXXX XXXX XXXX Are reporting my XXXX XXXX account as {$860.00}. The amount owed is {$860.00}. My XXXX  credit report. Shows this same account as XXXX XXXX XXXX XXXX. XXXX XXXX account as {$860.00}. I received a Certified Letter from XXXX XXXX XXXX XXXX today. From the USPS. This Certified document. Shows I owe {$860.00}, not {$860.00}.

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 2022-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I did a loan for {$2300.00} through One Main Financial in XXXX, Ca. In XXXX of 2022. When I requested a payoff amount for the loan on XX/XX/2022 the amount they told me was {$7700.00}. This amount appears to include principal and all the interest I would have paid over the life of the loan ( 5 years@ 35.99 % ). I don't know if this is the proper way to do a loan. This is not the first time they have done a loan like this to me. I did not think about it on the first loan as I took the entire time to pay it off. However, this time I am trying to pay it off much sooner and the balance seems too high. It seems like they put the entire loan amount ( P and I ) for the life of the loan in their system and then when they receive my payments they apply it to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
( Before reading all of this, I will specify that we used Zelle for the money transfer. ) On XX/XX/XXXX, XX/XX/22, me and my family were looking for puppies to adopt. We posted a post on XXXX online, and someone commented under our post and said theyll sell the puppy for {$900.00}. We thought that was pretty cheap and a pretty good deal, but it was way too good to be true. The scammer also messaged us about the puppy and said its for {$900.00} because shes about to travel to XXXX and shes leaving in about a week. Which seemed reasonable and explains why she would want to get rid of the family. At first she was saying that she wanted to rehome the puppy and shed want the family or the person thats going to take care of it will be in good hands. She also put a fake address after she said that, so we thought she was legit and honest. We also called on messenger and we were negotiating the price, we were saying about {$500.00} or {$600.00} would be a better price for that money, since it was for my daughters birthday. And I also said that Ill pay half right now and Ill send the rest later. The scammer agreed to it and I did as well. I also asked the scammer for more pictures and videos of the dog and she sent me nothing and her excuse was My camera is broken, which seemed reasonable at first. And we also asked for a XXXX and she said Im at work but my camera is broken and I cant, and I live alone so nobody can XXXX for me. We didnt suspect a thing due to how low-priced the dog was. And then she said shell XXXX the dog right away and give us the things the dog needs, such as its cage, food/treats, toys, clothes, leash and collar etc,. Which seemed really okay with us at first because we needed those things so we said okay. And we used the company Zelle to money transfer her, we sent {$200.00} and then sent the screenshot of the money amount transferred to her, and then she blocked me on XXXX. But luckily, she sent us the number so we could Zelle her, but it turns out that the number was her friends number, and her friend was collecting the money for her. We called her friend and asked her to send the money back, she said no. And then the next day, XX/XX/22, her husband texted me on her phone and he was sending us threats and saying that they are not teaming up with the scammer nor do they know the scammer and that they arent friends at all. But how is that possible when the scammer gave us their number and also their real name, both of the contacts were right, and we also confirmed with the scammer if the details were right and she said yes. So please, help us get our {$200.00} back. This is very frustrating and we have already tried to get in contact with them but they have already blocked us.

Company response to consumer: Closed with explanation