vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: NE

Complaint narrative:
The first time I heard of this debt was when got an alert in a change in my credit score. I looked up the name of the new account that was showing up on my credit report. It pointed me to a company called Hunter Warfield XXXX XXXX XXXX XXXX XXXX. I called the number on the website and got connected to someone who knew the details of my " case ''. Apparently the charge orriginates from ~ {$300.00} of cleaning fees that were not paid. 
I asked for any documentation they have of the debt and I haven't recieved any reposnse yet. I haven't been able to get in touch with them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX was contacted by Santander Auto finance regarding a balance owed on old car loan. Car was repossessed in XX/XX/XXXX and sold at auction XX/XX/XXXX. We received a letter stating it was being sold at auction, letter stated if there was a balance remaining we would be notified by mail. No contact was made by any means until XXXXXXXX XXXX XXXXXXXX when court hearing paperwork was received by XXXX. XXXX, paperwork had court date listed and was addressed to him and myself. After several attempts to contact the company in question ( XXXX and XXXX ) I was told that all the agents available had no information on the debt only that it was representing Santander and the amount owed was over XXXX dollars. I requested company send me all information on debt multiple times and was unable to obtain this information before the said court date. Court date was rescheduled. After reviewing the information the agency had I reached out to them to inform them that the debt in question was over XXXX years old and the statute of limitations in the state of Oklahoma is 5 years. The agency has since stopped calling or sending mail but a new attorney is now listed on the new court date where they are trying to obtain garnishment. I do not owe this debt but if I did owe this debt it is barred by the statute of limitations and this agency is not within the legal time frame to sue for judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Back in XX/XX/XXXX I had installed a walk in tub. It is being financed through Service Finance company. My payments are $ XXXX until payed off. I just received a bill for next payment BUT it struck me as odd because I am ahead on my payments. From my calculations & from my review of my bank account on a couple of occassions I made XXXX payments in a month time, on more then one occassion. I have complained to the company before about their poor tracking system. I have also requested copies of my cancI am looking @ my statement I was sent & there is a huge discrepency with when my payment is due. I am also contacting the bank for copies of my cancelled checks. Yet in reviewing my past bank statements, your company is double dipping & NOT current with all my payments already made. ( this message sent to company ) Again I am requesting copies of my cancelled checks becauxe in the memo section I write my account # & the date payment is for. Here is what I see thus far : I started in XX/XX/XXXX. XX/XX/XXXX XXXX # XXXX was cashed on XX/XX/XXXX Check # XXXX cashed on XX/XX/XXXX Check # XXXX cashed on XX/XX/XXXX Check # XXXX cashed on XX/XX/XXXX check # XXXX cashed on XX/XX/XXXX check # XXXX cashed on XX/XX/XXXX ( this is XXXX payment made in XX/XX/XXXX ) check # XXXX on XX/XX/XXXX ( this too is second payment made in XXXX ) Check # XXXX cashed on XX/XX/XXXX So as you can see there are some months were I paid x2 & so your records are incorrect & * wjhen I get the cancelled checks back from the bank it will prove your error in billing & that you are double dipping & overcharging me. Therefore just w/ this proof of your incompetence I am filing a complaint with the FTC on your company for this mismanagement & double dipping & over charging me on more then one occasion. 

So I strongly recommend you re-educate your billing personnel & I strongly suggest you get your records in complete order & compliance because even now the bill I received is for XX/XX/XXXX payment!!! 

XXXX XXXX XXXX # XXXX checks from the bank as in the memo section I write loan # & payment month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
To whom it may concern, I am writing in regard to the below referenced accounts and transactions. Account : XXXX. This vehicle was repossessed by Santander Consumer USA in the XXXX of Florida on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of Florida UCC 9-504 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: NM

Complaint narrative:
I received a letter from Linebarger, Goggan, Blair & Sampson located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, alleging that I owed the State of Delaware {$270.00} for " unpaid tolls and fees. '' They had my vehicle license plate number, New Mexico XXXX XXXX. So, supposedly I had driven my car through a Delaware highway collection point and not paid. The State of Delaware has not been in touch with me asking for payment. 
I checked online and found several complaints about this company, so I decided to contact the cfpb. I am happy to pay any legitimate fees I owe the State of Delaware, but I certainly do not owe them {$270.00}. And I do not want to line the pockets of a fraudulent law firm. 
Can you help me? 
Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: LA

Complaint narrative:
Loss of job, house, and wages due to COVID- 19, Since then I have been declared 100 % XXXX and now I am on a set income from the government and deem total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was a co-signer on a capital one auto loan for my father. It is currently showing as charged off on my credit report with a total balance of $ {$8300.00}. However, when I log into the online banking it is showing a balance of {$360.00}. I have attached a screenshot of this. I have tried calling Capital One auto to pay the balance off but they repeatedly tell me I am not authorized on the account. I tried calling around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and every time I was told I was not authorized and they can only speak with my father. If that is the case, and this is not my account, it needs to be immediately deleted from my credit report. They are unwilling to work with me to remove it from my report or allow me to pay it. I am requesting it be immediately removed. If the account is not mine, it should not be impacting my credit. It is preventing me from qualifying for a mortgage. It's my right as a consumer to only have information reporting that is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: TX

Complaint narrative:
I have filed disputes with Experian Credit Bureau, XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX regarding late payments on a XXXX XXXX XXXX XXXX account ( XXXX ) opened in XXXX. Experian and XXXX have updated the late payment from XXXXXXXX XXXX XXXXXXXX to XXXXXXXX XXXX XXXXXXXX. Experian and XXXX has violated my rights, according to Section 110401 of the Heroes Act, it would amend changes the CARES Act made to the Fair Credit Reporting Act ( FCRA ) by adding, no person may furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during a covered period, with covered period referring to the COVID-19 emergency or any major disaster.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: PA

Complaint narrative:
Transunion has failed to remove this unfamiliar account from my report. I contacted Transunion and XXXX Financial multiple times and ask them to send me the original document that I agreed to do business with this company ALLY Financial. Attached is the responds I keep getting in return from Transunion. They are just responding the account is verified but is not letting me know how the account was verified with no proof breaking my consumer law. After contacting XXXX and XXXX they understood and deleted this strange account. However, Transunion has yet to comply. Please delete XXXX XXXX from my Transunion report Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 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: OH

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX  call reference # XXXX. She stated my identity theft dispute investigation will not be completed until XX/XX/XXXX. My dispute was initiated on XX/XX/XXXX which means it should be completed within 4 business days, I have submitted my FTC report and Police report to transunion as well. 
After I spoke with XXXX she transferred me to XXXX XXXX would not spell her name for me ) she asked me what was going on then mute he phone and hung up. How distasteful.

15 U.S. Code 1681c2 - Block of information resulting from identity theft The FCRA states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
A company called Merchant 's and Professional are representing a company called XXXX. This company claims I owe them XXXX dollars. This company never did anything for me. Nothing I could not have done on my own. They are reporting this erroneous charge falsely to credit bureaus called equivalent. I want this to stop. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a payment yesterday from my XXXX XXXX company for auto injury via Venmo. I tried to instant transfer the money to my XXXX XXXX account. After several attempts to send money instant transfer I was directed by a Venmo manger via phone her name was XXXX XXXX to try various steps to get my money. When all steps didn't work she told me the only way for me to get my money is to have money sent via bank eft regular transfer which will take 1-3 business days. Fast forward to the next day I get an email from Venmo that says my account is being frozen and that my money is also on hold. Venmo has no legal right to freeze my account or money when everything that was done on my account was directed by a Venmo manager. I even have an email from that same manger because of all the inconvience I received from Venmo and its service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Working with XXXX XXXX XXXX XXXX XXXX I have been disputing some checks that were written that I had no idea existed until my tax return was seized. 

I submitted an affidavit that this was not me. These checks were written in XXXX. I requested dispute packet & submitted signature examples, ID, XXXX & I have attached the email response after they did a supposed investigation. 

The debt is being processed by Transworld Systems , Inc., ( TSI ). & it being so long ago the debt is enormous. I never received anything in the mail about this debt prior to having my tax return seized for XXXX in the amount of {$1500.00}. 

I did not write these checks in question & I was NEVER informed about them until this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My wife and I have been bank of America customer for over 20 years. On XX/XX/2022, I received an alert email saying that my bank password was changed. At around the same time, my wife received phone call from BOA XXXX XXXX branch in XXXX, the bank asked about the cash withdrawal of {$9000.00} made by me at their branch. My wife told the bank that both I and My wife were in New Jersey at the moment, and the withdrawal was a fraud. I drove to the Bank of America financial center in XXXX, NJ. I told the Banker that I didn't authorize the withdrawal of {$9000.00} from my checking account in NY. However, the banker told me she couldn't act on it as the activity was in a " processing '' state. My wife also immediately called BOA fraud department about the fraud incident. Late that day, I found that XXXX other withdrawals were performed without my authorization. XXXX withdrawal of {$9500.00} from the same checking account, and the other withdrawal of {$9000.00} from the saving account. 
The XXXX cash withdrawals were performed at XXXX different Bank of America branches in XXXX XXXX XXXXXXXX at XXXX XXXX, XXXX XXXX and XXXX in the short period of time on the same day. It's clearly a fraud pattern, and that's an epidemic failure on bank 's responsibility to protect client 's assets. All these happened while I held possession of my driver 's license and ATM card. The bad actor must have used fraudulent IDs which BOA did not catch. 
I have been in contact with Bank to reimburse the fund that they dispersed. However, the bank kept telling me that I need to wait for a resolution in about 90 days. Everytime I tried to reach the fraud department, it took me at least hours. I was disconnected automatically a couple of times. That has caused tremendous inconvenience for me, both financially and emotionally. {$27000.00} is large amount that was withdrawed from my account due to BOA 's failure of their fiduciary duty. I am asking for your help to resolve this in a timely manner and return my hard earned money asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: NE

Complaint narrative:
The first time I heard of this debt was when got an alert in a change in my credit score. I looked up the name of the new account that was showing up on my credit report. It pointed me to a company called Hunter Warfield XXXX XXXX XXXX XXXX XXXX I called the number on the website and got connected to someone who knew the details of my " case ''. Apparently the charge orriginates from ~ {$300.00} of cleaning fees that were not paid. 
I asked for any documentation they have of the debt and I haven't recieved any reposnse yet. I haven't been able to get in touch with them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This debt is a result of identity theft I have hired a attonty because this company refuse to follow the law as to verify the debt before inserting this debt on my credit file and now i have grounds for compansation. Please hold this company accountable for not verifing the debt before adding this account number '' ' '' XXXX with XXXX XXXX XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a co-signer on a XXXX XXXX auto loan for my father. It is currently showing as charged off on my credit report with a total balance of $ {$8300.00}. However, when I log into the online banking it is showing a balance of {$360.00}. I have attached a screenshot of this. I have tried calling XXXX XXXX auto to pay the balance off but they repeatedly tell me I am not authorized on the account. I tried calling around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and every time I was told I was not authorized and they can only speak with my father. If that is the case, and this is not my account, it needs to be immediately deleted from my credit report. They are unwilling to work with me to remove it from my report or allow me to pay it. I am requesting it be immediately removed. If the account is not mine, it should not be impacting my credit. It is preventing me from qualifying for a mortgage. It's my right as a consumer to only have information reporting that is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a co-signer on a XXXX XXXX auto loan for my father. It is currently showing as charged off on my credit report with a total balance of $ {$8300.00}. However, when I log into the online banking it is showing a balance of {$360.00}. I have attached a screenshot of this. I have tried calling XXXX XXXX auto to pay the balance off but they repeatedly tell me I am not authorized on the account. I tried calling around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and every time I was told I was not authorized and they can only speak with my father. If that is the case, and this is not my account, it needs to be immediately deleted from my credit report. They are unwilling to work with me to remove it from my report or allow me to pay it. I am requesting it be immediately removed. If the account is not mine, it should not be impacting my credit. It is preventing me from qualifying for a mortgage. It's my right as a consumer to only have information reporting that is accurate.

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