vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
After carefully reviewing my credit file I have become aware that Portfolio holds an account representing XXXX XXXX XXXX. I have never held an account from XXXX XXXX XXXX nor had an affiliation with Portfolio Recovery. I have never even been informed about this alleged debt until receiving my credit report. The alleged debt in the amount of {$440.00} is the direct result of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your
responsibilities when reporting information to CRAs.Pleas estop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: 3rd Generation, Inc.
State: NV

Complaint narrative:
California Auto Finance continues to call me and threaten and harass me with the repossession of my vehicle XXXX times a day.The company is also contacting my friends and family members even after I speak with them. I am suffering from the backlash of the pandemic but I have never been 30 days late with my payment. I requested assistance due to these circumstances and was told that nobody is affected by the pandemic any longer and there is nothing that can be done if I am currently affected. California Auto Finance has also called and left messages about picking up my vehicle. They just won't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TN

Complaint narrative:
The debt collector by the name of XXXX XXXX ( " XXXX '' ) who falsely identifies himself as an Attorney which violates 15 U.S.C. 1692e ( 3 ) took legal action against me for a consumer credit transaction that I initiated for a credit card on issued by XXXX XXXX XXXX XXXX ( " XXXX '' ). I am the original creditor for the consumer credit transaction. XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them. I did not give XXXX my direct consent to share my private identifying information with anyone. XXXX also did not have the permission from a court of competent jurisdiction to communicate with XXXX. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. XXXX and XXXX took legal action against me in a county I did not reside in. XXXX nor XXXX has authority to take any legal action against me pursuant to 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. He requested a default judgment against me and my wages were garnished. This is my second run in with XXXX taking illegal action against me. Now my private identifying information for my former name appears on a court docket which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: TX

Complaint narrative:
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate attention and should be delete asap.

XXXX/XXXX  IN THE AMOUNT OF {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
4 accounts are over 7years old and has been closed for over 7years its legally supposed to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX  transferred ownership of my Home Equity Loan to Specialized Loan Servicing ( SLS ) effective XX/XX/XXXX. I have always paid this loan on time. However, SLS has now reported a payment delinquent over 30 days to XXXX, XXXX, and XXXX. SLS made these reports and knew that their records were incorrect. SLS claims that the XX/XX/XXXX payment is in question. SLS has attempted to confirm that I made the XX/XX/XXXX payment to XXXX XXXX XXXX  before they started servicing the loan. I have sent SLS documentation ( bank statement ) that clearly shows that the payment was made. I have had several conversations with SLS without any resolution or any concern that they are negligently damaging my credit report. Even with full knowledge and documentation, SLS has reported that my XX/XX/XXXX payment was over 30 days late because they are showing me constantly late. I filed a dispute with XXXX, but SLS apparently still claims that my payments were late. I am attaching several letters from XXXX XXXX XXXX  and SLS concerning the transfer of ownership, the SLS online record of my payment history with them ( notice how incorrect it is ), and 18 months of bank statements documenting my payments on this mortgage. My credit score with XXXX alone has dropped from XXXX to XXXX as a result of their negligent actions. SLS is knowingly and willingly reporting me as having made a late payment because they have an unresolved dispute with XXXX XXXX XXXX. That is a problem SLS has with XXXX XXXX XXXX, not me. SLS should not be permitted to make such reports.

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 2021-07-24 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: TN

Complaint narrative:
I disputed inaccurate and incomplete information regarding an account number. I also requested a description of the procedure used to determine the accuracy and completeness of the information from XXXX. I have not received it, and after 3 months XXXX  is still reporting inaccurate and incomplete information. On XX/XX/2021 I received a response from XXXX  stated the reinvestigation of a creditor was accurate. According to the FCRA, if I have requested how it was investigated, I am supposed to receive that information. 

Experian has been reporting companies on my file that violated the Hippa law and is reporting my medical information as proof of validation. 

Experian, XXXX and XXXX  has inaccurate and incomplete information regarding account number. The numbers are covered with ****and according the to FRCA the account numbers should be full disclosure

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 2021-07-24 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: TCF NATIONAL BANK
State: IL

Complaint narrative:
All dates, amounts, and actions are included in the attached documents. 


I received a phone call from a person claiming to be from XXXX. I was told there was an issue with my computer and before I knew it, this person took control of my computer. At no time did I give this person any of my banking information, the name of my bank, my account number or any of my login IDs or passwords. I suspected this may be a scam and terminated the call. I contacted XXXX directly and was informed that they did not contact me. At this time, I realized it was a scam and contacted TCF Bank right away.

Unfortunately, TCF did not secure my accounts by restricting access or suspend my on-line banking access. These steps would have prevented the fraudulent withdrawals, including fulfilling a fraudulent XXXX XXXX request for {$2000.00} and processing an electronic check for {$8400.00}. Both withdrawals were sent to the same person. Both withdrawals were completely irregular for my account. I have written about 3 checks in the last 6 months. The scammers check looked nothing like mine.

TCF failed to contact me as to the suspicious transactions and failed to close the account upon my request. On the phone call, TCF told me that no strange activity had occurred on my account and that I should not worry. {$10000.00} later, TCF takes
no responsibility for the loss. They went back to listen to the notes of my phone call and there were none.

To this date, five months later, we have submitted everything TCF has asked for. We have filed a police report. Over those five months, we have called TCF numerous times and get some
one different who needs to catch up on the activity. A typical call is a half-hour to an hour on hold to only be told to call back in a few days. One customer service representative recognized that the case had gone on too long and opened an expedited case. Two days later, the expedited case was officially closed and the non-responsiveness continued. 
I am XXXX and on social security. My husband is a XXXX veteran with XXXX XXXX XXXX XXXX XXXX XXXX. We have a limited income and need this money. We need TCF to be accountable now since they were not when I contacted them before the money was taken. I realize that fraud is a prominent issue in recent times, but this one could have been avoided had TCF closed my account when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: TX

Complaint narrative:
I had purchased a Netspend debit card from XXXX for {$20.00}. Unable to use or activate.

Calling their help # multiple times repeatedly disconnected or unwilling to help- they keep saying " card # not found '' and have me entering full 9 digit social security number, date of birth, full name ( spell it out ), address ( spell it out ) ... and at one point I realized this is a fishing attempt and they should not be asking these type of personal questions. If they were a legitimate company they could easily have looked up my credit report with my name, SS # ( most companies just ask for last 4 digits- I had to provide the complete SS # ) and DOB ,
and then i realized the mistake. I asked them to delete/cancel completely my account ( I'd rather loose the {$20.00} then have my identity used for nefarious purposes ). They had then the gall to ask me to send/fax a copy of my driver license, social security card, passport etc. It's pretty shady and I have no idea what nefarious purposes they will put the info i already provided naively.

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 2021-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
On XXXX, my son XXXX XXXX had a visit to an emergency room in XXXX XXXX. XXXX was born on XXXX. XXXX has " XXXX XXXX '' insurance ID XXXX. After a while, I received a bill from the hospital for {$960.00}. I contacted the insurance company, where they told me that XXXX 's visit was paid in full, and if the hospital has questions about payment, then they should contact them, because it is illegal to demand that we pay again. In a few months I received a bill from a collection agency " AR Resources inn " in the amount of {$960.00}. Several times we contacted the agency, explained the situation, and also left a complaint with CFPB, to which there was a response from the collection company that they would send me all the papers confirming my debt. However, I haven't received anything up to this point. Instead, the collection company made " Derogatory marks '' in my credit history. I again contacted the insurance company, where they once again confirmed that the bill had been paid, the claim number was XXXX, and they also informed me that the money had been withdrawn from the hospital 's account. Based on the above, I think that there is a fact of fraud, because they are trying to collect XXXX $ from me again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: TX

Complaint narrative:
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate attention and should be delete asap.

XXXX/XXXX  IN THE AMOUNT OF {$4400.00}

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 2021-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
4 accounts are over 7years old and has been closed for over 7years its legally supposed to be removed.

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 2021-07-24 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: NC

Complaint narrative:
I have submitted letters to Experian for the longest now. I sent in hard copy letters ( certified mail ) regarding 6 accounts on my Experian report that they are failing to verify accurately! I have a copies of the letter I sent in. I have not yet received any information in the mail from Experian regarding these accounts explaining that they are mine. No one has sent me information on how they verified these accounts. You can just select " verified with company ''! NO I want to know how you verified this information, who did you speak too, what was the agent name, time, and more! I want to see a physical copy with MY SIGNATURE on it verifying that, those are my accounts. Accounts are listed below. 

XXXX XXXX : Account number XXXX  ... 
XXXX XXXX XXXX XXXX XXXX : Account number : XXXX : Account was PAID AND FULL. There shouldn't be a LATE PAYMENT up there. Please remove inaccurate information. 
XXXX/XXXX  : Account number : XXXX Account is not mine. Please validate, remove from my report. 
XXXX XXXX XXXX XXXX : Account number : XXXX, Account is not mine. Please validate, remove from my report. 
XXXX/XXXX  : Account number : XXXX Account is not mine. Please validate, remove from my report. 
XXXX : Account number : XXXX ... Account is not mine. Please validate, remove from my report. 

Experian failed to send actually proof to my home verifying these account with any of my information on them. They have violated the right under the FCRA. I will sue, if no one can show me signed contracts with my signature for these accounts. These accounts are hurting my credit profile. Thank you for your time.

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 2021-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I reached out to HSA bank two weeks ago with the following e-mail : " Good evening - I recently transferred the balance of my HSA bank account to XXXX and saw that I was charged a {$25.00} account closure fee. Please advise why I was charged this fee despite being sent a letter from HSA Bank stating that accounts that were created while you service XXXX for HSAs would not incur such fees? See attached file for details. 

As such, it seems pretty clear this fee needs to be credited back to me. Given I have more medical expenses this could simply be sent to me as a disbursement via ACH or a check ( since the account is already closed ). '' Including an attachment with a scanned copy of a letter HSA Bank sent indicating there would be no account closure fees. Since then I received a generic response from a representative to call their 24/7 service line that either went to hold-music for thirty minutes before dropping or the call or a dead end " The person you are trying to reach has a voicemail box that is full. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
On XX/XX/2021, the attached debt verification letter was sent to " Diversified Adjustment '' as I had noticed a collection account reporting on my consumer credit report 2 days before. USPS records indicate this dispute was delivered to the debt collector on XX/XX/2021. To date ( XX/XX/2021 ), no further correspondence has been received from the collector as required by the FDCPA. The reporting of this account has prevented me from obtaining a mortgage on my home as indicated in the adverse action letter attached.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: OH

Complaint narrative:
My husband passed away in XXXX of this year. When XXXX XXXX XXXX reported my husband 's death to the credit reporting companies, they erroneously also reported that I was deceased. This resulted in my not having a credit score which is impacting my ability to obtain credit and will eventually affect my insurance rates and countless other things in my life. 

I contacted XXXX and they stated they would contact the credit reporting companies and clear up the error. They have since done that because XXXX  and XXXX  are reporting my credit scores again. Equifax, on the other hand is still showing me as deceased despite numerous phone calls to them. Their own customer service representative filed a dispute on my behalf. I have filed 2 disputes myself and I am confident that XXXX has also notified them that I am not deceased. 

I don't know what else to do to get them to start reporting my credit score again. Please help me. 

Thank you

Company response to consumer: Closed with explanation