vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
HAPPY WEDNESDAY ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX  and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery calls me multiple times a day from different numbers. I keep blocking them but they keep coming up with new ones. They are calling well under the two hour between calls limit and more than three times a day. Sometimes they are calling five to six times a day. The calls are coming in from an hour after the one call to sometimes right after they call the first time. Im done with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Requested debt validation remains unanswered

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
Simply put Chime ( and its banking partners XXXX XXXX  XXXX XXXX XXXX ) are unreasonably withholding funds and freezing my account. Im not sure if its a scam, fraud, or just a terrible business model, but my account has been frozen for absolutely no good reason. They have claimed suspicious activity in my account, which is puzzling since I have not made a single transaction. I initially deposited {$10000.00} on XX/XX/2020 from another bank I work with ( XXXX ). I solely deposited the funds to generate a higher interest rate on some savings. After being told my account was under review on XX/XX/2020, I was asked to provide proof of funds from the source ( another bank ), which I provided on XX/XX/2020. Despite providing that, they proceeded to freeze my account on XX/XX/2020 and asked for a list of additional information. Once again I provided everything requested of me, on XXXX. I have e-mail record showing I would have a response in 2 business days, which I have not received. Ive called multiple times and Ive been given false timelines for an update, and been told this has been escalated with zero response so far. After doing more research, its clear I am not the only one with this type of issue. In addition to making Chime customer service and their CFO ( XXXX XXXX ) aware of my issues, I have also made aware Chimes banking partner XXXX XXXX ( and its affiliate XXXX XXXX XXXX  XXXX XXXX ). Specifically Strides customer service team and head of marketing ( XXXX XXXX ) and XXXX CFO and head of investor relations ( XXXX XXXX ). Protect consumers from this company. Force them to act legally and ethically, or otherwise the FDIC and consumers will be left holding the bag.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: IN

Complaint narrative:
This is not a dispute. TransUnion on its own generated a report I was delinquent on my mortgage. Why did TransUnion generate this? TransUnion never received any report from anyone stating I was delinquent. TransUnion consistently responds with a standard form letter response. Until that changes I will continue to file reports. Refer to my previous 10 - 15 complaints for more info.

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 2020-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Received a letter about a medical debt from Holloway Credit Solutions out of XXXX, AL the letter stated I have until XX/XX/XXXX to file for financial aid. Within the 30 days they would not contact me. XX/XX/XXXX they are contacting me. I asked to speak to a supervisor, they refused to transfer me and hung up. I called back and they continued to hang up and will not transfer me to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I paid off my vehicle loan on XX/XX/XXXXat the local BBVA branch with a personal check. The teller provided a number to call to receive my title faster than the normal 30 day period. On monday XX/XX/XXXX after checking my bank account ( making sure the check had cleared ) I called the number provided by the teller, I was told to email a copy of the deposit slip showing that I had paid the loan off, I was informed that I would get my tittle in 7 to 10 days. I called back around the XX/XX/XXXX to ask where the title was, since I was told that it was coming from XXXX AL, which is 80 miles away, again I was told that it was in the mail. I called back and asked to speak to a manager to see if I can get a straight answer about the whereabouts of the tittle, I was told that I would receive it no later than friday XX/XX/XXXX or saturday XX/XX/XXXX. I called back on monday and was told again that it was in the mail and due to the pandemic it was taking longer than normal which is odd since I make lots on online purchases and receive my items delivered by the USPS just fine and in a timely manner. I then asked for a replacement title, since I am assuming that the title " they sent '' is lost in the mail, I was told that I would have to incur the cost of a replacement title. I also requested to elevate my formal complaint to a corporate representative, I was given a ticket # and that I would get a call in 24 to 72 hours. I still have not received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My car was damaged severly, I made the decision not to repair car or report to my ins.co.the car was picked up less then 24hours after accident.when my towed truck went to pick up vehicle, the vehicle had been picked up by another towing company.Ally Fin. [ title holder ] contacted me around XXXX and asked me what was my intentions on picking up car, I advised them that I no longer wanted the car and I would continue to make ontime payments as agreed until paid off.I was advised by them that I would not be allowed to make online payments in the future and would have to XXXX XXXX payment.When I called on XXXX to get info on making XXXX.payment, I was advised that car had been repo from junkyard and I owed additional fees.At this point I did get a little upset and XXXX.payment was late maybe about 12 days.My complaint is I have a Repo on my credit report, also co-signer has repo on his report, I feel I didnot break agreement with Ally in any way, car was insured, not behind on payments ( I am still making ontime payments, If I was advised upon first phone call from Ally, that I would need to pick up car from towing company or I would face repo, I would gladly have done so, I would like to payoff original amount which is around $ XXXX.as of today and have repo removed from my and co signer credit report upon final payment.I am not behind on payments to this day.Your help in this matter is greatly appreciated.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 2020-12-09 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: OneMain Finance Corporation
State: NC

Complaint narrative:
There are two hard inquiries on my credit report from the same company that I did not authorize. The company is Onemain. The date of the inquiries are listed as : XX/XX/2019 and XX/XX/2019. I have NEVER done business with this company, nor have I authorized any type of credit check. I've contacted both Onemain and XXXX  directly, to no avail. Neither of these agencies can show proof that I have ever done business with Onemain, yet for the last year has listed the inquiries on my credit file. XXXX  has the audacity to put the burden of proof on me by requesting that I investigate my own claim, in an effort to prove " fraud '' ( get a police report, have Onemain submit a " removal request '', etc. ). This is ridiculous! Shouldn't XXXX  be the ones conducting the investigation and having Onemain provide the burden of proof? This is a blatant violation of my rights under the Fair Credit Reporting Act. Hard inquiries have an adverse affect on your credit and score ... this erroneous reporting has had a severe negative impact on me and I'd like the items removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX : You are claiming that I owe you {$260.00}. for the month of XX/XX/2020 for XXXX XXXX services. I do not owe you this money. Why do you keep saying that I owe this to the Credit Bureaus and to the collection agency " I. C. System? I do not have, and have not even had, XXXX XXXX XXXX XXXX XXXX services in over 7 years.

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 2020-12-09 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: MS

Complaint narrative:
On XX/XX/2020, I requested inaccurate accounts to be investigated on my credit report. I received a response that those inaccurate accounts had been verified and I know they are not reporting accurately. On XX/XX/2020, I mailed another letter asking for proof of investigation and pointed out inaccuracies. I received a response that these accounts were updated although I compared them and there were ( no changes ). I also didn't get any proof of the investigation.

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 2020-12-09 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: AES/PHEAA
State: IL

Complaint narrative:
I have a private student loan with American Education Service ( AES ), which I pay on time. However despite the fact that I pay on time, I was reported 30 days late in XX/XX/2019. I contacted the company three times and spoke to 9 different " supervisors. '' They repeatedly assured me that my account correctly reflects that I was not late and denied reporting to the credit bureau that I was late. They sent me two different letters confirming that in XX/XX/2019, my account was in good standing and advised me to dispute it with the credit bureaus. 

I filed two disputes with all three credit bureau agencies and each time AES confirmed that the late payment was correct. I advised AES of this and they once again denied it. I was denied a loan because of my " late payment history '' so this error is negatively impacting me and causing me an extreme hardship. I am trying to get this resolved ASAP. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Emerald AR Systems, LLC
State: AZ

Complaint narrative:
I did owe this medical debt, but had since paid off to Emerald AR months ago, I asked them to update my credit as I've been trying to fix my credit to buy a home. After the months have gone by, Emerald has not updated my status with XX/XX/XXXX and this results in me paying higher interest, not being able to get into a better loans and better terms. 

I asked for a letter of XX/XX/XXXX balance, Emerald, as with vast majority of other collection agencies would not do and other than " we will mail you a Letter/Receipt! '' In the day and age of instant everything, a payment confirmation takes seconds, yet they apply this tactic to avoid a paper trail so that the consumers can not prove that they slack off on updating credit in a timely manner. In my case, it has taken months to no avail. 

This is no small matter, it affects my ability to get a mortgage loan, and it costs me money long term. I'm not an isolated case that are damaged by these collection agencies - They just want the money, and get away with it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services
State: LA

Complaint narrative:
Dear Sir / Madam, I am giving you chronologically my complaints. 

1. I bought a brand new XXXX XXXXXXXX XXXX XXXX SUV from XXXX XXXX XXXX  XXXX XXXX in XXXX. The Title is attached. 

2. In XXXX of XXXX, I noticed paint peeling off from different areas of the vehicle and I e-mailed XXXX XXXX of the dealership. The email is attached along with responses dated XX/XX/XXXX. 

3. A lady from the dealership called me a few days later and said that the situation was not in their hands and the decision to correct the fault would lie with Mercedes Benz Head Office in New Jersey. 

4. I waited for over 4 months for a response. I had to get a tire replaced at XXXX XXXX XXXX XXXX and the Sales Consultant saw my car and remarked that lots of these " scarlet red " SUV 's were having the same problem. 

5. I contacted XXXX XXXX XXXX XXXX again, spoke to XXXX and sent her quite a few pictures of the affected areas. She advised me that her Service Manager would respond to me. 

6. After a few days, she said that her Service Manager requested me to contact the Head Office as they could not help me. 

7. Thereafter I wrote an email to the Executive Referral Manager - XXXX - On XX/XX/XXXX. XXXX. The email is attached. 

8. On XX/XX/XXXX. XXXX XXXX, the Manager of the XXXX XXXX Repair facility on XXXX XXXX, XXXX, Louisiana called me over the phone and requested that I bring the vehicle to his workshop so that he could inspect it. 

9. He inspected the vehicle, took pictures of the vehicle and made me sign a form. Verbally, he confirmed to me that he would start working on my car around the first week of XXXX and it would take about three weeks to complete. He also said that they are correcting the defects of this particular model and car color one every month. 

10. On XX/XX/XXXX. I called the Repair facility at XXXX XXXX. I gave her my details and she advised me that they did not have the approval to re-do my car and that they could not not tell when it would be repainted and speculated perhaps in XXXX / XXXX of XXXX. I was quite disappointed. 

11. On the very same day, I wrote an email to " XXXX " and the email is attached. I advised him that if I did not hear back from him, I would have the option to contact any entity to correct this fault. The email is attached. 

Attachments : 1. Title. 
2. 3 Emails 3. Photographs of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
My car payment is {$610.00} I have paid a total of 7 payments, All of which are paid prior to the due date. Not only have I not be given ANY CREDIT AT ALL for the {$4300.00} that ive paid. This morning they reported to XXXX  that my total loan amount just increased by {$420.00}??

Company response to consumer: Closed with explanation