vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I am being suited for a debt that is not mine. No member of my family has be treated for any injuries or any medical care at all, outside of an XXXXXXXX XXXX XXXX XXXX. Due to my medical insurance at the time being XXXX, and their in network providers being XXXX explusively. 

According to the complaint on XX/XX/XXXX. I had taken one of my children to be treated at XXXX XXXX XXXX in XXXX Utah. Resulting in a medical charge for a {$720.00}. During this same time I was working for XX/XX/XXXX for theXX/XX/XXXX I was posted at the XXXX XXXX XXXX XXXX, and I was at my post on this same day for 16 hours. During the time the treatment at the hospital supposedly happend. 

I also had the only vehilce we owned with me at work. There was no way for any member of my family to go anywhere without help. Their only way to get to the hospital was to go by ambulence. There is no ambulance charge. This treatment did not happen. This is a zombie account, or faults charges being made. 

The first time on found out about this debt was on XX/XX/XXXX, at XXXXXX/XX/XXXX, I received a summons and complaint that was hand delevered to my front door. 

Prepared by XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX UT, XXXX. ( XXXX ) On behalf of Mountain Land Collections, LLC XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX. ( XXXX ) XXXX ) The claimed total amount I am being suit for is {$1000.00} including {$180.00} for interest, {$130.00} for Estimated court cost 's, and the original amount of {$720.00}. for a total of {$1000.00}. I am not responsible for this debt. 

On XX/XX/XXXX I prepared an answer and mailed it back through USPS. Well withen the 10 days given on the Summons. I waited 14 days after the answer was sent and called the Fourth District Court Of Utah, in XXXX XXXX, XXXX XXXX XXXX. XXXX. ( XXXX ) XXXX. 

I was told by the clerck I spoke to they had recevied their copy of the answer. I then called XXXX XXXX XXXX Attorney for Plaintiff, and was told by the recepctionist they had not received thier copy of the answer. I obtained emails address from both the attorney and the court 's and emailed the answer a second time on XX/XX/XXXX. 

A court date is scheduled for XX/XX/XXXX at XXXXXX/XX/XXXX Hopefully to resovle this issues finally. The debt is not mine, I strongly belived it was faultsly created. Any assistance resolving this is very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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 letter on XXXX XXXX to XXXX. here is my tracking number.. However the credit bureaus said they completed the investigation and everything was 100 % correct. According to the Law 15 U.S.Code 1681a-definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? 
What would be a fair resolution to this issue? 
delete the accounts from my credit report 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 2023-05-16 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:
I sent a letter on XXXX XXXX to XXXX. here is my tracking number.. However the credit bureaus said they completed the investigation and everything was 100 % correct. According to the Law 15 U.S.Code 1681a-definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? 
What would be a fair resolution to this issue? 
delete the accounts from my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP
State: NV

Complaint narrative:
MANDARICH LAW GROUP , LLP IS ATTEMPTING TO COLLECT XXXX ON REFERENCE # XXXX FOR XXXX XXXX XXXX XXXX FOR SOMETHING I DO NOT OWED. HAVING NEVER DEALT WITH XXXX TO BEGIN WITH. I AM ON SSXXXX, AND MY INCOME IS FEDERALLY PROTECTED FROM SCAMMERS LIKE THIS. I WISH TO HAVE THESE COMPANIES STOP THEIR ATTEMPTS TO CONTACT ME, BECAUSE I OWE THEM NOTHING, AND THE LAW IS ON MY SIDE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I obtained a credit card from XXXX XXXX ( acct. no. : XXXX XXXX XXXX XXXX ) with a credit limit of {$6000.00} in XX/XX/XXXX. I also added my husband as an " authorized user '' in an attempt of assisting him in establishing credit sometime in XX/XX/XXXX. In turn, Navy Federal insisted that I made him a " joint owner, '' and he or I never signed any agreements stating such, nor did I ever receive the requested agreement. After requesting the original signature for the agreement adding him as an " authorized user '' was made over the phone! Fast forward THREE card renewals later, I was informed by Navy Federal that they were not sending me a renewal card for my usage because, upon reviewing my account, they decided not to send a renewal card because " I was too close to the credit limit. '' Being close to the credit limit was not a problem before when I would pay the balance down more than 60 % of the balance the following month. Although I did not understand their reasoning for not sending me a new credit card, I continued to pay for the debt I had incurred. Once my husband decided to file bankruptcy on XX/XX/XXXX ( discharged XX/XX/XXXX ), he included the Navy Federal " green credit card '' in his bankruptcy since Navy Federal also declared him financially responsible for repayment and removed from HIS credit file but remained on the mobile app and notification of payments due. With my husband filing bankruptcy for this credit card, why am I continuing to make monthly payments and Navy Federal restructuring my loan by readjusting the interest without any notification and making my payments higher?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
Initially reached out to the bureus to do futher investigation for my accounts that has late remarks and they did not respond nor provide any proof that I pair late. 

I asked them to send me proof XXXX  they just ignored me.

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 2023-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All these inquiries were not made by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: IN

Complaint narrative:
Some has stolen my information in Texas to open XXXX utility bill didn't pay it stole my information to do it and Now it had came up on my credit report this month. 
I live in XXXX in XXXX and had never even visit or been to Texas and Dont even No anyone there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
15 U.S. Code 1681c2 - Block of information resulting from identity theft If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 
See attached also

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
15 U.S. Code 1681c2 - Block of information resulting from identity theft If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 
See attached also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation
State: NC

Complaint narrative:
loan company illegally ran my credit for a consumer loan that i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: AL

Complaint narrative:
I took out a loan for {$700.00} from this company back in XX/XX/2023. This was my second loan from them. The first loan was paid off early. The payments come out every 2 weeks on my payday. To date I have made 7 payments of {$190.00} for a total of {$1300.00}. I wanted to pay this account off because of high interest rates but when I look at the payoff it still states that my payoff is {$890.00}. That is alot more than what it showed when I took the loan out. I have asked the company twice by email and once by mail to stop the EFT but they have not stopped it. The phone number listed on their site is XXXX which I will not try calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OZK
State: AR

Complaint narrative:
On XX/XX/2023 I visited a ATM outside the Bank OZK Branch at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR. I attempted to withdraw {$200.00} from my checking account and the process was taking a very long time and the machine was making sounds that I have never heard before at a ATM. I then called the bank as I sat in my vehicle at the ATM to report a problem with the machine. The ATM then displayed the message " Your transaction can not be processed at this time '' and returned my debit card. I then went into the branch and let them know the ATM was malfunctioning and also made a withdraw for {$200.00} from the teller. I also filled out a report with the teller on what had happened. The {$200.00} that I never received was already withdrawn from my account. She was very nice and professional and did a wonderful job. I then came back the next day and did another report. Today is XX/XX/XXXX and my account has never been credited with the {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The following hard inquiry currently showing and listed on my Experian credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/2023.

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 2023-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
My car was being repaired, the parts were on back order for months and I was paying month to month on an extended lease. I decided to end the lease and turn the car in. I contacted XXXX XXXX at La XXXX XXXX and tell him of the situation, he told me he would get the car from the La XXXX body shop, so I took the insurance check to the body shop and talked with the manager and told him of the situation. He told me that GM doesnt want the car until it has been repaired and he would contact GM and the dealer that I was ending the lease, so I gave him the keys and walked away thinking it was taken care of. 
I received a call from GM financial in XXXX, asking about the XXXX XXXX that I turned in. I explained the whole situation to her, she said she would contact the body shop to clear it up. This happened in XXXX, XXXX and I think in XXXX, I asked the last caller if she can see the previous calls and she said she could, I then asked why this hasnt been taken care of? She told me she would. 
Fast forward to last week when I was purchasing a XXXX XXXX XXXX and couldnt get a loan below XXXX  % and was told by the finance manager that I have 4 flags on my credit rating from GM for non payment and most banks wouldnt touch my loan. Before this my credit number was XXXX or above. I called GM Financial and they told me it was my fault and that I should have contacted them, I explained to her about the body shop managers promise to contact them, after awhile she said they would open an investigation, also that I had to write a letter to them explaining everything and it could take 60 to 90 days to get an answer. I dont want to wait that long to fix something that should not have happened in the first place

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I received a letter in the mail from XXXX XXXX  dated XX/XX/2023. It was thanking me for a recent application for a XXXX XXXX Credit Card. They were not approving the application. 

I DID NOT apply for this card. I contacted XXXX XXXX  to make them aware. I also filed a dispute with Equifax to have the hard inquiry removed from my credit report. 

I have also put XXXX alerts on all XXXX of the credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud 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 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: NC

Complaint narrative:
I live in Nc and was in a desperate state when I signed up for the loan not realizing the interest rate was predatory at 159.9 % now Im struggling to make the payments please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I personally don't have knowledge of this debt from XXXX XXXX XXXXk or lvnv funding LLC. I did have id theft back in those before the new era of record keeping. I get letters from restaurant capital services. I've asked them to stop contacting me. I don't have knowledge of this. It was ID theft. They refuse. They claim it's from XXXX. I had no clue of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: U.S. BANCORP
State: LA

Complaint narrative:
US Bank acquired my CD when they purchased XXXX XXXX XXXX. US bank renewed my CD without notice for 30 months at 0.05 %. To close the account they now demand a penalty of over {$8000.00}. How can this be 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