vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/21 I called Transunion @ XXXX and verbally submitted an dispute with them about the inaccurate information ( bankruptcy ) on my credit file that they maintain under my XXXX #. On XX/XX/21 I called to check the status of the dispute and the lady said that it was verified as accurate. On XX/XX/21 I certified mail a letter to TransUnion requesting a REINVESTIGATION and METHOD OF VERIFICATION. On XX/XX/21 I received a letter letter back from Transunion stating once again that the account was verified as accurate. XX/XX/21 I sent another letter requesting a REINVESTIGATION and METHOD OF VERIFICATION. On XXXX received another letter from TransUnion stating that it was verified as accurate in which I than called and spoken to a lady by the name of XXXX about their METHOD OF VERIFICATION and she stated that she couldnt give me their METHOD OF VERIFICATION and hung up on me. I called right back to now be in touch with XXXX, I spoken to XXXX and inform him to that I was calling requesting an REINVESTIGATION AND METHOD OF VERIFICATION of the bankruptcy, XXXX than stated there is no such thing as a METHOD OF VERIFICATION and to not asked for one in writting or verbally because TransUnioin will not respond to any request for one, and if I do request for one it will come back verified as accurate only. I than proceeded to inform XXXX that I will be excercising my rights by certified mail again and now with him verbally under the FRCA Section 611 ( a ) ( 6 ) and ( 7 ) in which the credit bureau must give you the METHOD OF VERIVICATION within 15 days of your request and that any automated response or e-Oscar verification is unacceptable and if TransUnion doesn't respond they are in violation of nthe FRCA. XXXX said let him talk to his but instead he hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient has continued to illegally compel me to make payments on the account number XXXX that was included in my XX/XX/2009 XXXX  XXXX Bankruptcy discharge/disposition. It is illegal for a creditor to knowingly induce a former debtor to pay a debt that has been discharged and continue to house the account with the credit bureaus, impacting my ability to attain any measurable financing for my upward mobility in the interests of my family. 

Navient must cease and desist from further request for me to pay the debt and must remove it from my credit record and contact all the Credit Bureaus and request its removal from my credit profile with deliberate speed. 

Sincerely! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: NY

Complaint narrative:
On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown on my credit report. I feel like I am being taken advantage of and being ignored by my disputes. Concerning a car that I purchased at XXXX XXXX XXXX  a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with VIN : XXXX, Financed by XXXX XXXX XXXXor amount de {$30000.00} for a period of 72 months, payment {$52000.00} per month. 

Unfortunately, the car is defective. The car differed from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on Highway at XXXX miles, I received a noise Bing Bing Bing. There is something rubbing inside the steering wheel that spreads all around the steering wheel. 

To resolve the problem, I returned the Car at XXXX XXXX Dealer On Sunday XX/XX/XXXX. I would like to replace the car with a new one that's not defective. I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX XXXX to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX One 's given to me an appointment is for one month. I called the dealer, I look forward to his reply and a resolution to my problem, and will wait until XX/XX/XXXX. Effectively, the car was returned to the dealer on XX/XX/XXXX. I cancelled the insurance ( XXXX ). As XXXX XXXX XXXX gave me the XXXX license plate, XXXX XXXX XXXX XXXXold me they will return the license plate to DMV. I called the XXXX XXXX Bank that the car is returned and is in the hands of the dealer. The dealer never returned the license plate to XXXX New York.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05 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: NY

Complaint narrative:
On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown on my credit report. I feel like I am being taken advantage of and being ignored by my disputes. Concerning a car that I purchased at XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with VIN : XXXX, Financed by XXXX XXXX for amount de {$30000.00} for a period of 72 months, payment {$52000.00} per month. 

Unfortunately, the car is defective. The car differed from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on XXXX at XXXX miles, I received a noise Bing Bing Bing. There is something rubbing inside the steering wheel that spreads all around the steering wheel. 

To resolve the problem, I returned the Car at XXXX XXXX Dealer On Sunday XX/XX/XXXX. I would like to replace the car with a new one that's not defective. I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX XXXX to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX One 's given to me an appointment is for XXXX month. I called the dealer, I look forward to his reply and a resolution to my problem, and will wait until XX/XX/XXXX. Effectively, the car was returned to the dealer on XX/XX/XXXX. I cancelled the insurance ( XXXX ). As XXXX Car  Dealer gave me the XXXX license plate, XXXX Car Dealer told me they will return the license plate to DMV. I called the XXXX XXXX Bank that the car is returned and is in the hands of the dealer. The dealer never returned the license plate to DMV New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
paypal closed my account in the month past of XX/XX/XXXX XXXX no reason and will not help me with getting it back up and going i am not sure if there is some mistake as i assume it has to be i have not been able to get help feom six months, i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used paypal guide frequently my email linked to my paypay is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
the negative account on my credit profile are fraudulent and i submitted the social security as proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I had closed my chase account on XX/XX/XXXX or had at least requested it to be closed at that time. They told me that they would send me a check with the 20 dollar balance that was on the account when i completed the account closure. In early XXXX I did call back to check to see what the status was on the check. The representative I spoke to said I had nothing to worry about and to just wait for the check. It is now XX/XX/XXXX. I recieved a letter from chase stating that the check was dispursed on the XXXX of XXXX. Still havent recieved the funds. Attempted calling again but the line hung up on me and when i attempted to call back they said they were closed. Could you please help me recieve my 20 $ from my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was scammed out of my money and the bank did nothing told me since i sent it i couldnt recieve the refund of course i did because i thought i was making a investment only to find out i was being scammed or phishing how can i trust the banks protection policy if i cant recieve the stolen money from a scammer RIDICULOUS!!!

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 2021-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
Several of my accounts were suspended by this financial institution without any warning or notice.Therefore, I am unable to access any of my accounts to fix the issues since they said the accounts are being investigated. 

HSBC, the previous institution, was bought over by one XXXX XXXX.Never had an issue with the previous bank even though the accounts were open for several years. 

Then they closed my credit lines -since I am not able to access any of these accounts even though I never had any issues with fulfilling my obligations, with regards to my incremental payments. 

And to top it all off, they reported my account to the credit bureau as though I had missed a payment.This has adversely affected my XXXX XXXX, and as a result, my ability to borrow and use capital. 
I also suspect that they may have also sold my account information to debt collections. 
I had three main accounts with this institution-HSBC -Checking -Savings -Select Credit And the credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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:
After noticing an account on my consumer file, I immediately mailed a notice under 15 U.S. Code 1692g - Validation of debts. ( A ) to ensure that the amounts were accurate. After receiving a notice saying Account Validated, I mailed a notice via Certified mail for Re-Investigation under 15 U.S. Code 1681i - Procedure in case of disputed accuracy 1 ( A ), After XXXX  days and not hearing anything back, On XXXX XXXX XXXX, I received a notice from a consumer reporting agency that a charge off for the same account appeared on my consumer file whilst the validity & procedures was being re-investigated in direct violation of federal compliance laws. To escape verifying it appears the alleged creditor has attempted to charge off this account in error.

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 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX has continued to illegally compel me to make payments on the account number XXXX that was included in my XX/XX/2009 XXXX XXXX Bankruptcy discharge/disposition. It is illegal for a creditor to knowingly induce a former debtor to pay a debt that has been discharged and continue to house the account with the credit bureaus, impacting my ability to attain any measurable financing for my upward mobility in the interests of my family. 

XXXX must cease and desist from further request for me to pay the debt and must remove it from my credit record and contact all the Credit Bureaus and request its removal from my credit profile with deliberate speed. 

Sincerely! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX has continued to illegally compel me to make payments on the account number XXXX that was included in my XX/XX/2009 XXXX XXXX Bankruptcy discharge/disposition. It is illegal for a creditor to knowingly induce a former debtor to pay a debt that has been discharged and continue to house the account with the credit bureaus, impacting my ability to attain any measurable financing for my upward mobility in the interests of my family. 

XXXX must cease and desist from further request for me to pay the debt and must remove it from my credit record and contact all the Credit Bureaus and request its removal from my credit profile with deliberate speed. 

Sincerely! 

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 explanation
Consumer complaint received 2021-12-05 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: GA

Complaint narrative:
On XXXX, I sent a dispute letter regarding inaccurate and unknown things on my consumer report. Til now, 50+ days later, I have yet to receive a response. I feel Iike Im being taken advantage of and ignored regarding my disputes. Section 611 ( A ), it is plainly stated that a failure to investigate such claim within 30 days gives reason to immediately remove such items from my consumer report. It has been 50+ days and shall be deleted promptly. Furthermore, under the FCRA the consumer reporting agency, Equifax is required to include that such account has been disputed by consumer. Because this has not been reported to my consumer report, this is also a violation under 15 USC 1681 ( i ). I demand these accounts be deleted immediately or I will file for litigation due to the stress and issues this has caused me. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as 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 HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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:
This XXXX XXXX XXXX Account was opened fraudulently creditor agreed to close and remove account from all three credit bureaus. I spoke to a representative ant XXXX XXXX XXXX and she informed me that they sent update to all three bureaus to remove the fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05 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: GA

Complaint narrative:
This XXXX XXXX XXXX  Account was opened fraudulently creditor agreed to close and remove account from all three credit bureaus. I spoke to a representative ant XXXX XXXX XXXX and she informed me that they sent update to all three bureaus to remove the fraudulent account.

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 2021-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: CO

Complaint narrative:
According to the FDCPA 15 U.S. Code 1692a ( 2 ) communication is defined and means the conveying of information regarding a debt directly or indirectly to any person through any medium. Penn Credit Corporation is still reporting falsely on my credit report which is a form of communication that they are still trying to collect a debt not owed. This has caused me XXXX  and XXXX XXXX to the point it is effecting my work life balance. they can not communicate with me through ANY medium. remove your account from my credit report immediately your in violation of the FDCPA. 


On XX/XX/XXXX I, XXXX XXXX, mailed Penn Credit Corporation a Cease and Desist Letter via certified mailed with return receipt. On XX/XX/2021 the return receipt was sign by XXXX XXXX XXXX with her acknowledging that she has received the written communication on Ceasing communication. Pursuant to the FDCPA 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. On XXXX, XXXX XXXX, Penn Credit Corporation Violated the FDCPA Pursuant to 15 USC 1692c ( c ) as Penn Credit Corporation sent me letter for request for payment on a debt that I do not owe. I will be attaching the written communication informing Penn Credit Corporation of ceasing communication as well as the certified mail w/ receipt signed and received on the behalf of Penn Credit Corporation XXXX Also will be attaching the letter sent after Penn Credit Corporation received written communication to cease communication with respect of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: COMMUNITY CHOICE FINANCIAL, INC.
State: AL

Complaint narrative:
Cash Central, XXXX XXXX XXXX and Insight Captial placed an inaccurate collection on my XXXX credit report. I contact Cash Central regarding the collection. The representative stated Insight Captial was handling the collection. XXXX XXXX XXXX is the collection agency listed on my credit report. I did not open an account with Cash Central on XX/XX/2021. I do not owe this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: WA

Complaint narrative:
To complaint XXXX, RPM General counsel XXXX XXXX wrote `` Upon receipt of this complaint, RPM contact XXXX XXXX XXXX XXXX XXXX, the current owner of the debt. XXXX XXXX advised a credit in the amount of {$3700.00} had been credited to the account. There remains a balance of {$120.00}. XXXX XXXX may contact RPM to resolve the remaining balance. XXXX XXXX General Counsel '' The response does not provide any context or evidence about the remaining debt, which is still unsubstantiated and does not match anything listed on any of the paperwork from the company that has ever been provided to me, nor is there any offer to send a receipt or explanation of the remaining balance. Clearly I will have to make another request to the attorney general 's office, another cfpb complaint and another certified mail. 

They have not provided any context or evidence or receipt or explanation of why there would be a remaining balance at all, and the remaining balance does not match any other provided figure in any of the documentation that the company has ever provided, not that there has ever been any communication about any debt ever either by XXXX XXXXXXXX XXXX or by XXXX. This is clearly a farce. 

They need to absolve the debt entirely, immediately. 

Please note that the address provided by RPM clearly has a typo in the name of the city, they listed XXXX XXXX, the correct name of the city is XXXX XXXX XXXX note that this address is also simply a virtual or fake because it is also listed for XXXX XXXX XXXX in XXXX XXXX Also note that in the documentation provided by rpm, the name of the creditor is either erroneous or has a typo, as it is listed as " XXXX XXXX XXXX XXXX, '', which is not even the name of the creditor that they claim to have the debt in, which does not even have an actual office and the office is actually occupied by a completely different and unrelated company. 

Again, this is so obviously a farce.

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