vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant & Weber
State: MD

Complaint narrative:
This complaint is about Grant & Weber debt collection who trying to collect on a debt for auto loan that was closed XX/XX/2018 that went into a write off Grant & Weber reported to the credit Bureau that this account was XX/XX/2018 and soon after started putting derogatory marks on my credit report and have been charging me Interest on this collection for the past 3 years I finally was able to get in touch with someone at the company who stated he did not have a company ID number or identification number just that his name was XXXX XXXX informed him that under the consumer 's right act I would like for them to send me all documentation pertaining to the debt that they are trying to collect on and are reporting about I was told they did not give out that information and that I must have XXXX  that I ensured him that this come directly from their website and he didn't seem to like that very much he started getting very defensive the conversation heated up he could not tell me when I would receive paperwork if there was anybody I could talk to that would know or how long the process would take eventually XXXX hung up on me and when I researched this company they had a lot of complaints that were listed it seems that this is the practice that they use and from my understanding it is your right and under federal law to receive such documentation from any company when asked for it which their refusal which puts them in violation

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 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
We are not able to see the scheduled activity on the portal. As we waited for the auto payment to take an effect. We are not able to cancel or see any scheduled payment. Out of the sudden we are surprised by double overdrawn from FIFTH THIRD BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX. XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, IN XXXX Dear Sir or Madam : As of XX/XX/2021 TransUnion has displayed several fraudulent accusations assuming I have inquiries made on XXXX, XXXX. XXXX and XXXX. XXXX. XXXX. I am writing to dispute the following information in my credit report file. I have attached documents that shows evidence of it not reported on the other credit bureaus reports. 
the items I dispute on the attached copy of the report I received.The information on XXXX reporting number XXXX is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2021-09-02 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: U.S. Auto Credit Corporation
State: NC

Complaint narrative:
I have reached out and disputed with this company for the past 7 years explaining that I believe this account was taken out fraudulent only thing I was told was it was done with a company called XXXX XXXX XXXX but that company is out of business also I asked that they provide the original contract showing any information that would help me figure out how this transaction transpired but they have failed to send me that they are on my credit as charged off and they still report late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I reached out to my then property management company XXXX, a.k.a XXXX XXXX to renew my lease. My family was living in " student housing '' that also rented to no students. Because the previous lease I had was specially written, I trusted the information that the management companies representative gave me. She sent me a lease with just my name on it and told me that my husband was a co-applicant in the system, and encouraged me to sign because they only had 1 4-bedroom unit left for the following year. I did sign believing what she said. I then called her because something didn't sit right with me, because of the property being a rental I did not want my husband or children evicted if something happened to me. While on the phone she said that a guarantor application was being emailed to me, which was a lie because I have access to his email he never received, nor signed anything for a the lease of XXXX. We met with XXXX XXXX on XX/XX/XXXX, who acknowledged that XXXX was incorrect and they were able to issue leases identical to the one we signed for XXXX. All she had to do was contact him and he would have contacted legal. He also acknowledged that my husband would have no rights to the apartment if anything were to happen to me. We were sent to collections for the entire amount of a lease when we never lived there, we were out before XX/XX/XXXX, and that unit was rented out, so they did not lose the full amount of the unit. We did actually drive by and speak to one of the students that lived in that unit. They also sent the 2 different bills to the collection agency and filed the collection as a joint account for the XXXX lease which is was not. I asked for XXXX the area manager to contact me which he didnt. But I do have the XX/XX/XXXX conversation that he admitted that his representative XXXX was wrong and she did lie about the lease to make her sales numbers. XXXX can look over our payment history and see that we always paid our rent on time, and they never had to threaten eviction and we did comply with the term of the lease that was issued and signed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was on a payment plan plan, and never missed a payment. In XXXX they took the payment out twice one ACH that I made, and one EFT that I knew nothing about. I asked if the extra payment could be applied to the next month and was rejected. I was told by a supervisor to inform my bank, and have them ask that the funds be returned. Shortly after the funds were returned I received a letter that they would no longer accept this account. I again spoke with a supervisor who said I shouldnt have asked for the return of funds. We then had a conference call with my bank and Barclays. The supervisor told me she would work to resolve the problem, but to call before my due date to make sure my account would be honored. I did this, but the account was still honored. I then gave them a new bank account routing, account number. On the phone the account number was verified three times by a member of the accounts department, and I made the payment and received a confirmation of my on time payment. I then received a letter stating the account didnt exist. I found out from my bank that whoever entered the number added an extra digit. I then received a letter stating that my payment agreement was terminated, and that I owed additional interest. I then talked to another supervisor who said my agreement was terminated, and would not correct the account information. It is my opinion this was a deliberate attempt to negate the contract,.

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 2021-09-02 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:
I was a victim of identity theft which placed false information on my credit reports including unauthorized inquires on my Equifax credit report. I submitted the relevant information to Equifax online, e.g. an Identity Theft Report, a Police Report and did so via my verified MyEquifax account. Despite the clear requirements of Section 605B of the Fair Credit Reporting Act, Equifax has failed to block the inquiries as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners
State: NJ

Complaint narrative:
This company has called me repeatedly using a phone number very similar to those that I frequent ( much like other scam callers ) so I had been ignoring the calls I received on Tuesday XX/XX/XXXX at XXXX and Wednesday XX/XX/XXXX at XXXX XXXX. Today, however, I recognized that the entire number was the same as the past two days and not just the area code and next three numbers. I answered and they inquired if my father was available, who is not registered to nor associated with my mobile number, so I asked who was calling. The woman told me she was calling from Affiliate Asset Solutions and again asked if my father was available or if I knew him. I asked her what this was regarding, and she said it was regarding " a business call, '' and once again asked if he was available. I asked her to repeat where it was she was calling from so that I could search it while we spoke and asked again what the call was in regards to, which she instead just replied with the question as to whether my father was available or if I knew him. I repeated my question of what is this call in regards to and by then saw on XXXX they were a debt collection agency. She repeated that it was " a business call '' and said she could not give me further information but still wanted to know if I had any connection to my father, to which I replied that I can't give her any additional information if she can't even tell me what the call is in regards to. She was about to start some script about it being a " business offer '' so I cut her off and let her know I'm aware that she's calling from a debt collection agency, that this number is not registered with the person they're trying to reach yet they've been calling me all week, and my number is also on the federal do not call list so this is collection harassment. I understand debt collectors are permitted to contact you, but after reading through my rights, it does not say anywhere that they can legally contact you and harass you on behalf of a relative 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MIDLAND CREDIT would verify the debt. So I took it upon myself to ask MIDLAND CREDIT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: NC

Complaint narrative:
I have reported that this closed negative XXXX phone account was open fraudulent and ask for it to be removed during my further investigation of the company and addresses there was no valid address or phone to contact this company to submit my claims I dont understand why and how the bureaus are getting in contact with this company to support this fraudulent account on my report the address for this company is XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX I have submitted supporting documentation showing who I am and my address during the time this account was open

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
This is a written demand to XXXX XXXX who acts president of TD Group US Holdings and ceo XXXX XXXX XXXX. I am invoking my right of rescission pursuant 15 usc 1635 on any contract and account. I was not disclosed certain information about my interest in my own account, negotiating instruments, an my privacy was violated. I rescind all signatures, endorsements, and consents of the use of my information. I expect all money be returned by check pursuant 15 usc 1635. I also demand the cancelation of any contract, account, and security interest with you, and everything stated above mailed to the address of the principle XXXX XXXX in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that DYNAMIC RECOVERY would verify the debt. So I took it upon myself to ask DYNAMIC RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have sent out multiple letters to XXXX XXXX XXXX, Equifax & XXXX  since XX/XX/2021. I also gotten a letter about XXXX XXXX XXXX XXXX my account as current, no late payments, with all 3 bureaus. My account is still showing late payments for both XXXX  and Equifax. The only updated account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: OneMain Finance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX Dear Sir or Madam : As of XX/XX/XXXX TransUnion has displayed several fraudulent accusations assuming I have inquiries made on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I am writing to dispute the following information in my credit report file. I have attached documents that shows evidence of it not reported on the other credit bureaus reports. 
the items I dispute on the attached copy of the report I received.The information on ONEMAIN reporting number XXXX is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that still reporting on my account : DEPT OF ED Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: NC

Complaint narrative:
I have reported these inquiries as unauthorized and fraudulent and ask the bureaus to remove them they will not respond! Only inquiries I authorized are active good standing accounts on my credit report any inquiries not associated with a active account was not authorized by me

Company response to consumer: Closed with explanation