vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
I leased a XXXX XXXX XXXX on XX/XX/XXXX. Lease ended XX/XX/XXXX. I contacted lease company ( Hyundai Capital America d/b/a Hyundai Motor Finance Company ) and obtained the payoff to purchase my vehicle for the residual value established in the lease agreement in XX/XX/XXXX and to pay any charges or fees related to the lease and to complete the purchase. On XX/XX/XXXX, I was instructed by two ( 2 ) representatives of Hyundai Capital America ( Lease termination and purchase division ) to send a certified check, via overnight delivery, in the amount of {$21000.00}. I was told this was the total balance due to payoff vehicle, close account and obtain the title. I did as instructed and sent the certified check along with a cover letter. The certified check was received by Hyundai Capital America on XX/XX/XXXX ( per USPS tracking receipt ) and cashed on XX/XX/XXXX. 

I have called Hyundai on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in order to determine the status of my title. Each time I called ( I kept contemporaneous notes of each call ) I was told that the account had not been processed, there was no one I could talk to except for the representative ( different each time ) that answered the generic XXXX number, they would send an email to " another department to expedite the process '', that they would call me back in no more than 5 business days with a response ( no return call ever received ) and deliver my title to me. 

As of today, no title has been received and no explanation has been provided for why they kept the money they told me was due to purchase the vehicle and have not provided the title to me in more than 108 days.

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 2022-02-08 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: AR

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: IL

Complaint narrative:
My name is XXXX XXXX The company I'm filing a complaint against IQ Data International. They have violated the FDCPA by reporting a debt to my credit without first VALIDATION, Secondly the company XXXX XXXX that they are collecting on behalf of does not have a debt collecting clause, they actually have a civil/tort clause. I sent a cease and desist and the agency refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ascendium Education Group
State: MI

Complaint narrative:
I received a debt collection letter dated XX/XX/2022 from Ascendium stating that I was delinquent on my XXXX student loan. I checked all my loans on studentaid.gov and I am not delinquent on any of the loans. I called ascendium to ask for verification of the debt. The letter itself includes a debt collection notice that states in part " if you tell us you dispute some or all of your balance within 30 days of receiving this letter, we will send you information verifying a portion you dispute. '' However, the agent I spoke to claimed that ascendium can not verify this debt, and that despite receiving a debt collection letter from ascendium I have to verify my debt with XXXX. However, I have not received a letter from XXXX and only have an ascendium reference number. Instead of agreeing to send me verification of the debt as the letter states they would, the agent also tried to shuffle me towards programs to get caught up on my loan, which is not my issue here. I felt pressured to enter a repayment program for a debt that I can not verify, even after I explicitly asked the agent to send verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent two leters to dispute/challenge inaccurate information on credit report with no response from the bureau.

It is now going on 60 days without and written correspondence from this bureau. 

Your assistance is greatly appreciated!! 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: PA

Complaint narrative:
I have been working on my credit to obtain a mortgage for the past year. After pulling all three reports for XX/XX/2022 there were no collection items on my report after requesting that these items be removed from the collection agency after paying the collection bring the debt owed to 0. I made sure to check updated reports and there was no collection on XXXX transunion and XXXX. Under the fair credit law ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Today I attempted to get approved for a mortgage and the company pulled my credit and the XXXX  XXXX XXXX paid two years ago and XXXX XXXX XXXX paid two years was removed from all three but not the mortgage. As a result of this unfair reporting my credit score has been damage and unable to get a mortgage as a minority first time home owner.

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 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LEXISNEXIS
State: CO

Complaint narrative:
In XX/XX/XXXX, I signed a 3-year contract with Lexis Nexis so that I could use their legal research services. I owed a monthly payment under the contract of {$130.00} ( {$4800.00} over 36 months ). Then, on XX/XX/XXXX, Lexis Nexis cut off my account and canceled my contract. On XX/XX/XXXX, I asked in an e-mail why I couldn't access my account. Lexis said it was because I signed a 1-year contract. I also called customer services, who likewise confirmed I did not have a contract with Lexis. Then, on XX/XX/XXXX, XXXX offered me a new contract. They did the same on XX/XX/XXXX and XX/XX/XXXX. I refused to sign a new contract with them and instead signed a contract with XXXX. 

Then, Lexis starts sending me notices and warnings to send me to collections for failing to pay XXXX, XXXX, and XXXX bills. I inquired why they were still billing me, and they denied every cutting off my account. They said there was a " mistake '' in the " system '' and that my account was only cut off from XX/XX/XXXX to XX/XX/XXXX. They have not acknowledged the e-mail they sent on XX/XX/XXXX. They are now threatening to send my to collections for failure to pay for services XXXX, XXXX, or XXXX. 

In short, Lexis cancelled my contract and froze my account. Then, 3 months later, pretend that never actually happened and demanded that I pay for those 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Earm LLC
State: IN

Complaint narrative:
They called and said they are collecting for a debt with XXXX XXXX XXXX I advised I did not owe any debts with XXXX. I asked him for proof of the debt and avoided the subject and offered a settlement that was significantly lower then what he was collecting. I told him I would email back. 

I have had dealing with XXXX and I called them. They advised I had no outstanding debt with them. I gave them the date of the debt that was provided and they showed I had a loan with them 2 years after that. They also advised they would not have extended any offer of business with them with an outstanding debt. They advised me to request a validation of debt. 

I called them back and left 2 voicemails requesting a validation of debt. They stopped calling for almost 2 months. Then they started texting saying that I was ignoring them. Again I left another message requesting a validation of debt and they keep texting me saying I am being EVASIVE and they will FREEZE my accounts.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: South East Collection Specialist
State: ND

Complaint narrative:
I'm on social security XXXX and I can not afford to make a payment plan. I intend to file bankruptcy this year. They want me to disclose personal information without telling me why they are calling and leave ghost voice-mail. No letters or nothing else no correspondence

Company response to consumer: Untimely response
Consumer complaint received 2022-02-08 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: AR

Complaint narrative:
The information being reported is incorrect and should be deleted and or updated : XXXX XXXXXXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX 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 2022-02-08 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: AR

Complaint narrative:
The information being reported is incorrect and should be deleted and or updated : XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX 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 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: WI

Complaint narrative:
Hi my name is XXXX XXXX i opened a account with chime about 4 weeks or maybe more and prior to opening this account i was working for and older fella that as past away and his son jon was spose to pay me for the work that i did for XXXX and i worked for XXXX for 3 months without pay but a few buck here and there cause we agreed on me getting XXXX that is why i opened up achime account and since i opened up a chime account i was sitting in my hotel room one day bout 2 weeks ago and i got an email that my email that was on my chime account got changed and because of having two strokes in my life i have brain trauma and mental XXXX and memory loss but i called chime right away to talk to them about it and then some time after i had put a hold on my account after talking with chime someone changed all of my info on my chime account and now i have been drealing with chime support for the last 2 to 3 weeks of them telling me that i need to senf in verification details so i did that at least 3 to 4 times sland gave them the email and phone number and a few pic of me holding up a piece of paper with my id for verification and i did that and nothing at all and i had two deposit put into my chime account two weeks ago snd now i cant even get access to none of my money that i worked for it was two jobs that i did for the money that i got deposited into my chime account but chime as done nothing to get my account back so now im out XXXX on one deposit and 60 on the other deposit so i have been struggling ever since i have worked for XXXX and now chime does not want to help me get my money back ormt account bsck from the person who stole my money and account and i dont no what to do cause of my XXXX so if someone could help me out to get my funds back so i can better my life that would be greatly appreciated and because of my brain injury i do not understand thing i read and or are told to me so yhe money that was taken from me was to get my life back on track to get my license back and to get a vehicle so i have to put my life on hold again so i can get this taken care of buu i need that money as soon asXXXX possible and they can put it into my XXXX XXXX  account and if they need my account details then the ceo of chime can call me and i want himor her to handle everything on getting my money to my XXXX XXXX account after they call me to get my bank details

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has started charging multiple fees for ATM transactions. I check my balance and withdrew some money and got charged 3 fees. I called the bank and got 2 of them reversed. However, this practice is abusive and their policy has changed without any warning.

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 2022-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Addresses are not my addresses

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