vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Southwest Credit System has called me repeatedly daily, several times throughout the day too often and I feel harassed and abused. I have requested that this collection account be validated under the Fair Debt Collection Practicing Act, 15 USC 1692g Sec. 809 ( b ). I have requested the following listed below but I have not received any of what I requested : The agreement with their client that grants them the authority to collect on this alleged debt, The copy of the actual agreement that bears my signature for this account and any agreement also bearing my signature authorizing the release of my personal information and any insurance claims been made by any creditor regarding this account. 


I know that this is a violation of the FCPDA. This collection on my credit report is causing me severe problems in trying to purchase a home and the damage could lead into the {$1000.00} 's. 
I am a XXXX with Severe/Complex XXXX and the constant calling and harassment has contributed to the exacerbation of my medical condition. 

This company is NOT registered to collect a debt in the state of Maryland according to https : XXXX. I am aware that Maryland law requires collection agencies to obtain a license from the Department of Labor, Licensing and Regulation in which they have not done so. Southwest Credit System is practicing illegally in Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
the companies XXXX  and Equifax are showing my adverse information without my consent, harming me for the acquisition of services or goods

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon receiving my credit report from TRANS UNION I seen 2 medical collection accounts from XXXX XXXX XXXX {$2800.00} and XXXX ) {$9600.00} and an unauthorized inquiry for a XXXX via XXXX account allegedly on XXXX. I sent 3 certified disputes letter dating XXXX, and XXXX. To this date I received no correspondence and as a consumer I asked for verifiable proof XXXX original contract with said company with my signature and not a copy ), names and addresses of the individuals that was spoken to ( rather than sending a meager fax ) that allegedly verified the information being falsely reported ; as well as the method used to verified said false reports. The last and 3rd letter sent on XXXX also informed that a COMPLAINT TO FTC, FCRA, STATE ATTORNEY GENERAL to solidify and strengthen my case before I take the next steps of obtaining a consumer attorney and filing a small claims litigation for ALL MONETARY DAMAGES I'M ENTITLED FOR WILLFUL/NEGLIGENT NONCOMPLIANCE OF THE LAW UNDER SECT. 616 & 617.

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 2021-04-28 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: IL

Complaint narrative:
I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I have purchased a new XXXX XXXX from a local dealer in XXXX and sold the vehicle to XXXX in XX/XX/XXXX. XXXX sent a pay off check to Hyundai Motor Finance on XX/XX/XXXX and the check was cleared XXXX cashed out - {$11000.00} ) on XX/XX/XXXX but it was never applied to my account to this date. 
I have called HMF a total of 5 times to get this resolved. The first time, they requested the check number, amount, and a copy of check back and front. I got them the information they requested. My account has not been updated to this day ( XX/XX/XXXX ). I spoke with a total of 3 escalation point managers. The first manager that I spoke to on XX/XX/XXXX was able to locate the check and requested it to be applied to my account because she found the check was applied to a non-existing account that was one number away from my account. She issued a ticket to correct the error but it was not solved until I called them again today ( XX/XX/XXXX. ) They made a mistake by putting one number wrong. They started calling me two times daily to tell me that I'm behind on the payment and charged me a late fee. I made one extra payment on the loan. They have cashed the the check and currently have the fund and still hasn't applied it to my account and I'm about to make the second extra payment to prevent paying another late fee and being forwarded to a collection agency as they told me that they send it over to a collection agency once late payment is older than 30 days. 
I spoke with XXXX and they provided all the information that was related to the transaction and the account number on that check was correct. HMF made a mistake and hasn't admitted the mistake and instead they charged me a late fee. 
There was absolutely no way that I could speak with someone who had information related to my account whenever I made phone calls. I had to go through from the CS person and asked to escalate the situation up as their ability to research the check was limited and was not able to solve the issue. I had to spend at least one hour each and every time I called them to get to someone who could even search what has been going on with my account. This company 's customer service system was just a nightmare lacking communication within their system and the inconvenience falls on the customers. 
My personal note to the company - I have purchased a total of 5 new Hyundai vehicles in the past 10 years and will never do a business with them again.

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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Experian is reporting that I filed chapter XXXX  bankruptcy. This is an outright lie. I have never filed chapter XXXX. The attached letter was sent to my mortgage company as proof.

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 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: TX

Complaint narrative:
A debt appears due to equipment I was not able to return until everything started to open back up due to COVI19. I do not owe XXXX  for services and the equipment has been returned to XXXX. This company keeps adding this debt to my credit bureaus and reporting new every month. I have tried to dispute it to no avail. They are not available on the phone when I've tried to call them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX keeps reporting late history payment. 

When I request proof, they sent a letter stating that they don't have any records, but they keep reporting negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: FL

Complaint narrative:
ON XX/XX/2021 AND XX/XX/2021 I SENT CERTIFIED LETTERS TO XXXX XXXX, AND TRANUNION STATING THAT I WANTED TO SEE VARIABLE PROOF OF INACCURATE INFORMATION THAT I SAW ON MY CREDIT REPORTS. IT HAS BEEN 2 MONTHS AND I HAVE NOT RECEIVED AND MAIL OR PHONE CALL FROM ANY OF THE BUREAUS. PLEASE ADVISE. BELOW WILL BE THE INACCURATE ACCOUNTS : XXXX. XXXX ACCNT # XXXX {$1900.00} XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX # : XXXX {$2400.00} XX/XX/2021 XXXX XXXX XXXX XXXX # : XXXX XX/XX/2021 {$1100.00} XXXX XXXX ACCNT # XXXX XX/XX/2021 {$1000.00} XXXX XXXX XXXX # : XXXX XX/XX/2021 {$1300.00}

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 2021-04-28 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Disputed 7yr outdated accounts and they are still being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
Account is reported fraudulently Currently in process of filing a FTC identity theft Affidavit I have no prior knowledge of account I have no personal or public history with : XXXX XXXX XXXX XXXX XXXX XXXX CLARK COUNTY COLLECTION )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
In early XX/XX/2021 my local tax authority refunded overpayments for annual taxes for the last three years and sent this money back to Shellpoint Mortgage to my escrow account. Initially, I had to call because all the money was not showing as it appears they were missing one tax year after confirming with the local tax authority. I then requested the money be refunded back to me as the money being held is four times what is necessary in the escrow account. I have called on a few occasions and was told this matter was being escalated. 
I am obligated to pay my mortgage on time and this money was clearly a refund and should have been immediately returned to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I filed a complaint against TD Retail for purposely being unhelpful when I was getting XXXX  by their policies - I had made the apparently unforgivable mistake of paying a day early. In retaliation for complaining, they intentionally messed with my credit score. The useless, extremely unhelpful female I spoke to is obviously to blame as I told her how worried I was about my credit since I'm looking to buy my first home. 

After daring to pay a day early, my available line of credit was reduced from {$1200.00} to {$350.00} - just a little under how much I still owed making it so my credit report would show me being OVER my limit, therefore reducing my credit score even more than just a missed payment reported. That's when I complained via the phone. The female I spoke to was so useless I filed a complaint with this website.

Then, this month when I went to make a payment my credit limit was further reduced to {$100.00} when I still owed about {$270.00}. That is a significant amount over my limit which caused my credit score to plummet. 

What other purpose would reducing my credit limit twice - to under what I owed both times - serve other than to punish me? How utterly petty and vindictive. My credit took such a big hit it'll be at least a year before I can even use my VA loan, which has lower standards than most.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I have interest charges, returned payment fees, and interest as well as 2 fraudulent charges I am attempting to dispute both from the company XXXX  removed from my account. 1 that I was just recently made aware of was on XX/XX/20 for {$100.00} and the other is from XX/XX/20 for {$9800.00}. Both are Fraudulent charges that I am trying to get removed. I have sent you via USPS Mail XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Delivered Monday XX/XX/XXXX to your PO Box documents that have been marked up for these charges. This is NEW EVIDENCE and I have attached my letter that I sent along with these documents to this complaint. Additionally because you failed to put these charges on hold, my auto payment failed since I do not have sufficient funds to cover these fraudulent charges and I will not pay for them as is my right under the FCBA. Furthermore, if you attempt to report this non payment to ANY credit bureaus you will be in violation additionally of the FCRA. As a result I now have the fraudulent charges as well as a returned payment fee, late payment fee and interest.

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 2021-04-28 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: NY

Complaint narrative:
I am requesting an investigation for fraudulent information that was found on my credit report. I want my financial freedom back and it is my right to have EXPERIAN 's assistance. 

The items that I am writing to you about are listed below. Please be sure that the items are thoroughly looked into. 

I request that you remove the following INQUIRIES that are related to fraud, removed from my credit report : 1. XXXX  XXXXXXXX XXXX Date :XX/XX/XXXX.

2. XXXX  XXXX. Date : XX/XX/XXXX.

3. XXXX XXXX XXXX  XXXX. Date :XX/XX/XXXX.

4. XXXX XXXXXXXX  Date : XX/XX/XXXX.

5. XXXX  XXXX  XXXX XXXX. Date : XX/XX/XXXX.

6. XXXX  XXXX XXXX. Date : XX/XX/XXXX.

7. XXXX. Date :XX/XX/XXXX.

8. XXXX  XXXX  XXXX. Date :XX/XX/XXXX.

9. XXXX  XXXX XXXX. Date :XX/XX/XXXX.

10. XXXX  XXXX  XXXX. Date : XX/XX/XXXX.

I am just asking for a fair solution. all the mentioned inquiries are related to fraud.

I request EXPERIAN to remove them from my credit report.

Thank you.

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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attempted to get the credit agencies to remove this account. The credit agencies are now in violation because the statue of limitations has expired on the account listed below. 
ACCOUNT NUMBER XXXX XXXX  - XXXX Date Opened XX/XX/2013 This negative remark should have already been removed from my credit.

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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attempted to get the credit agencies to remove this account. The credit agencies are now in violation because the statue of limitations has expired on the account listed below. 
ACCOUNT NUMBER XXXX XXXX  - XXXX Date Opened XX/XX/2013 This negative remark should have already been removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX keeps reporting late history payment. 

When I request proof, they sent a letter stating that they don't have any records, but they keep reporting negative information on 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 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
i had a fire claim. The insurance company tendered multiple payee checks. We signed and forwarded the checks to the lender. All of the repairs that were the subject of the claim were performed. The lender is refusing to process the checks. I need to pay the contractors who did the repairs, but the lender is refusing to reimburse me approximately XXXX XXXX 

Equally concerning is the fact that i send the lender emails, and the lender never responds.

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 2021-04-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian refuses to remove incorrect address from report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX APARTMENT COMPLEX

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 2021-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: OH

Complaint narrative:
The covid hit. These were unsubsidized and subsidized loans. As well as Pheaa loans. I guess a bank bought the loans? I dont know but they are denying me covid relief from XX/XX/XXXX to the XXXX XXXX. I did not know a bank bought the student loans. Regardless they are student loans from AES. They are denying me covid relief on these loans. I owed {$18000.00} when my loans were original. 4 kids and two divorces later..i owe {$31000.00}. I am XXXX in XXXX. Please help. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Bank opened a XXXX XXXX XXXX in my name on XX/XX/2020. I did not open this credit card and never applied for credit from them. I never received a statement with an account number. I never received a credit card nor activated a card. 

XXXX is requiring an FTC complaint acknowledgment to report the card a fraudulent. When I tried to close the account with the Bank, they refused because I didn't have an account number for the account fraudulently opened in my name. I had to obtain the account number from the credit bureau to close the account with Comenity Bank. Most people wouldn't know enough to get the account number from the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 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: IL

Complaint narrative:
I have sent several certified letters disputing unauthorized inquiries on my report for several months. the claimed they have not received my letters with documents they requested but i had sent it certified along with a signature card that means someone from there business signed for it. the refused to delete the inquires.

Company response to consumer: Closed with explanation