vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am receiving mail for debt that was never mine but rather the responsibility of my XXXX  insurance company. The error has been corrected, but I am still receiving harassing mail from third parties I have no business with. The latest is Credit Collection Services - XXXX XXXX XXXX, XXXX, ma.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Ally financial repossessed a XXXX when I tried to make the payment to them XXXX hours prior they 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 explanation
Consumer complaint received 2021-12-12 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: NJ

Complaint narrative:
There are some accounts on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: NJ

Complaint narrative:
There are some accounts on my credit report that I do not recognize

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 2021-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, part of XXXX XXXX, has referred to Professional Credit Services, XXXX invoices totaling {$130.00} as unpaid. I haver communicated with XXXX XXXX XXXX XXXX to no avail. These amounts are fully paid and I have provided the dates, amounts and check numbers as to when they were paid. 

I suspect fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.

Complaint narrative:
I have been locked out of my account and existing funds on said account since the middle of XXXX. 

Coinbase is saying my account is " under review '' but I have re-verified all of the information that they asked for identity verification purposes multiple times now. 

There are funds in the form of cryptocurrency on the account that I have been unable to convert, sell, withdraw, etc. 

I feel this is unjust and negligent on their part seeing as I put hard earned capital into my Coinbase account in good faith that I would be able to access it after the investment grows. That capital investment has since done good in a particular coin that they seem to have liquidity issues with, and now they're not letting me make any additional trades. 

I have opened up multiple tickets to try to expedite the " review process '' but the customer service is terrible and they keep sending me back an automated reply instead of actually answering my questions honestly. There is a total lack of transparency on their end. 

I believe they have a liquidity issue with a certain cryptocurrency and they are using " account review '' as an excuse to block me from trading ; because they reviewed my account history and see that I am only buying and holding the coin they're super short on. So much for a " free market ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12 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: OH

Complaint narrative:
There are third party XXXX collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act. 
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 explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
At the end of XX/XX/2021, I exited the COVID-19 forbearances for my loan into COVID-19 Payment deferral arrangement. My payments since are on time factoring in delays on the bank side in finalizing the COVID-19 Payment Deferral Arrangement. However the bank has charged me late fees and charges on my loan, has reported me as not current to the credit bureaus and has started moving the property to foreclosure. 

Bank/Mortgage Servicer details : Specialized Loan Servicing : Part of the XXXX XXXX Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO 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 2021-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Complaint against XXXX XXXX. 

** I received a flier to attend a presentation on these amazing traveling adventures to thousands of destination. Once at the place of presentation, people were described how you could buy a travel package that would allowsnyou to take vacations very affordable. In end, I and my wife were convinced to buy a package. The arrangement was buying a package without down payment. During the presentation, the place was packed with people. Then time to sign the document arrives. The people rushed us through signing stack of document with excuse that they were running short on time. Few days later, we got a call from a representative of the company asking to go over package we signed. To our surprise, they made us sign documents with dollars amount totally different to what agreed on during the presentation. At that time, we disputed those numbers and the understanding was that a manager would get back to us to straighten out the issues. No one ever got back to us. Since then, it has been a nightmare with this company. All the phones have only voice mail. We never heard from these people as to how someone takes advantage of their package. To make it worst, thus company is taking money from my bank account and they have send information to credit bureau despite not agreeing on the terms of the company. {$15000.00} are being reported on my credit file and {$4500.00} being reported to my wife credit report. We are disagreeing with these dollars amounts. I am helpless as to how to resolve issues with this company. I am asking to cancel this contract with this company since it is a scam. I am asking them to stop stealing money from my account. I am also asking them to remove information from my wife credit report and mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the four individuals leading the XXXX. 

Appreciate assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I got a derogatory mark on my credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I'm victim of identity theft. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing SPRING OAKS CAPITAL LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Foris DAX, Inc.
State: OH

Complaint narrative:
I have a problem for about three weeks now and I can't get any help from my problem which is my card is frozen and I can't withdraw my balance I need help because I need the remaining balance badly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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 not an attorney nor a third party I am filing this complaint due to a previous complaint that was never addressed by the credit bureaus. I have filed a police report over the fraudulent account from XXXX XXXX XXXX # XXXX. Plus there was some information on my report that is inaccurate. I am in the process of starting my new business and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 605b, 623, 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute is listed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have a copy of my ID and SS Card for verification purposes. 
Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX, OHXXXX XXXX XXXX XXXXXXXX XXXX XXXX, OHXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: GA

Complaint narrative:
Notice to all, I am, the consumer in fact, natural person, original creditor, lender. 

Fact, Chapter 41, Title 15 of the U.S. Code and the Gramm-Leach Bliley Act are intended to secure my right to privacy. My privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX XXXX and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof pursuant to the attachment labeled as Exhibit A and 15 USC 1681, Equifax is an elaborate mechanism and has no affiliation with the US government . Equifax has not been fair and has disrespected my right as a consumer to privacy.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Equifax violated 15 USC 6802 as no financial institution may disclose nonpublic personal information to a nonaffiliated third party ( Equifax ). Equifax is a nonaffiliated third party and may not disclose my nonpublic personal information on any consumer report nor to any of its affiliates including but not limited to The Work Number and XXXX XXXX. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit B, Equifax violated 15 USC 1681c-2 after I mailed them an identity theft report and supporting documents which served as proof that the accounts listed in the report were a result of identity theft.

Fact, affiant is aware and has proof pursuant to 15 USC 1681h, Equifax has not under the condition of making disclosures, required me to furnish proper identification, provide written or any other disclosure.

Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 1681b, Equifax may not furnish a consumer report without written instructions from me, the consumer. As the consumer who was violated, I am requesting all inquiries and the following fraudulent accounts listed below be removed from my consumer report within 14 days of receipt of this affidavit : 1. Dept of EdXXXXall accounts XXXX XXXXall accounts XXXX. XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I am also requesting the following fraudulent inquires be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. Equifax Mortgage Services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. After the consumer credit transaction, I was not expecting a bill. I sent a very detailed affidavit of truth with evidence of all the issues I had with the contract and how they are attempting to collect an alleged debt. I am the natural person and the original creditor. I extended my credit with my credit card as described in 15 USC 1602, and was extended credit in a consumer sale. They are now claiming that they originated the credit I extended to them, in which constitutes as fraud. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 US Code 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting to pay a down payment, or any other additional charge outside of the finance charge, which was paid for with my credit. In this transaction, there was a cash down payment of {$3500.00}. Congress said in pursuant to 15 US Code 1605 that the finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer transaction thus making this illegal. I tried to send my affidavit of truth with evidence, cease and desist, and notarized XXXX to XXXX XXXX XXXX XXXX using the address that was provided, but it was returned due to being an invalid address. This corporation doesn't even have a valid address to receive disputes. At this point, whether malicious or unintentional, I have been denied my right to dispute due to my inability to communicate with XXXX XXXX XXXX XXXX. I have escalated this issue to the FTC, as seen in the attached documents.

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 2021-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thrift Investment Corp.
State: MD

Complaint narrative:
Thrift Investment Corporation is reporting an alleged delinquent debt for a XX/XX/XXXX {$7000.00} auto loan with the payment terms as {$280.00} monthly for a period of XXXX XXXX. The alleged debt is reported by Thrift Investment Corporation as a delinquent debt in the amount of {$6600.00} on my XXXX consumer credit profile. The vehicle associated with this account was repossessed by Thrift Investment Corporation in XXXX, XXXX in the State of Maryland. The alleged payment history and alleged debt amount are believed to be both inaccurate. The alleged debt is believed to be uncollectible and unreportable to consumer reporting agencies because to date, XX/XX/XXXX, I have never received a notice from Thrift Investment Corporation informing me of the date of the sale of the repossessed vehicle, the amount the repossessed vehicle sold for, any applicable refund due me or deficiency balance owed regarding the sale of the repossessed vehicle, or any other pertinent information required by Maryland law. According to information provided in XXXX XXXX and XXXX vehicle history reports, the vehicle does not report as sold or registered after the XXXX, XXXX repossession. If the repossessed vehicle was not sold as required by law, I am not liable for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any XXXX part affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: NE

Complaint narrative:
Credit Acceptance Corporation added and Auto debt to my credit report report as a collection in the Amount of {$6000.00}. I have no knowledge/responsibility of this account and never received any letters/statements detailing charges or phone calls. In XXXX of XXXX Credit Acceptance Corporation changed the account status from a closed collection account to an open account status and changed the payment information after I disputed not having any knowledge of the account and attempted to verify the debt. They started reporting late payments every month from XX/XX/XXXX. The payment histories they added have drastic differences between each of the credit bureau reports when I have never paid on the account. I sent them a final demand letter on XX/XX/XXXX to send me information to verify the debt. They will not respond to my request.

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 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I, XXXX XXXX never gave TransUnion written consent to furnish certain information on my consumer report. Pursuant to 15 USC 1681b ( a ) ( 2 ), any information furnished has to be in accordance with the written instructions of the consumer. 

I, XXXX XXXX entered into consumer credit transactions through the approvals of extensions of credit from my credit card, which should be excluded from consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). 

This company has been notified about not having my written consent and given an opportunity to resolve the matter however stood by their decision to not make the necessary changes for a specific account. They have willfully and knowingly violated this section under the FCRA.

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 2021-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app promised {$100.00} back on spending {$100.00}. Now there are denying the {$100.00} back because they falsely claim that it needed to have been {$100.00} spent. However, what I see in the app shows me {$100.00}. Their customer support has been the most frustrating I have ever seen. They sent copy and paste replies that aren't helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I, XXXX XXXX never gave Equifax written consent to furnish certain information on my consumer report. Pursuant to 15 USC 1681b ( a ) ( 2 ), any information furnished has to be in accordance with the written instructions of the consumer. 

I, XXXX XXXX entered into consumer credit transactions through the approvals of extensions of credit from my credit card, which should be excluded from consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). 

This company has been notified about not having my written consent and given an opportunity to resolve the matter however stood by their decision to not make the necessary changes for a specific account. They have willfully and knowingly violated this section under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd part affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : 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