vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a notification from XXXX that there was a negative mark on my credit report. I had no idea what it could be about. I took a look and saw that it was from Merchants Credit Guide. I called the number listed, and they informed me that I supposedly had medical debt from an appointment to XXXX XXXX XXXX XXXX. I had never received any notice from XXXX that I had any sort of bill owed to them. I am unaware if they sent a bill to my father or not. ( Note, I am a XXXX XXXX XXXX who lives at home with her parents, is still on her parents ' insurance, and has never paid her own medical bills- why would I think to look to pay any sort of medical bill ). Regardless, I, myself, had never received a bill or any sort of communication from XXXX XXXX After doing some digging, I found that I could dispute this claim on XXXX, XXXX, and XXXX. I filed disputes on all three websites on XX/XX/XXXX. XXXX deleted the debt from my credit report on XX/XX/XXXX. XXXX verified the account as mine on XX/XX/XXXX. XXXX certified that the account was mine on XX/XX/XXXX. I am incredibly frustrated because I am aware that the account is supposedly mine. What I am upset about is that neither XXXX nor XXXX investigated whether or not I had received a notice about this alleged debt to XXXX XXXX which has led to a negative effect on my credit report and score. These companies are heartless, thoughtless, and quite frankly terrible in regard to consumer services.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of inquires below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account ending in XXXX the amount is XXXX they have violated my rights XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they have violated my rights. 

XXXXXXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

US SM Bus Admin ODA inquiry on XX/XX/XXXX and XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

All in Credit Union inquiry on XX/XX/XXXX they have violated my rights. 

150 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: GA

Complaint narrative:
I contacted XXXX, XXXX and Experian concerning remove/delete couple of inaccurate and unverifiable accounts ( XXXX # XXXX and XXXX # XXXX ) from my consumer reports. On XX/XX/2022, both accounts were deleted from XXXX and XXXX but Experian refuses to delete these fraudulent and unverifiable accounts. 

So now let me ask Experian this question? Why are you still reporting these accounts according to 15 USC 1681 ( a ) says Treatment of inaccurate and unverifiable information must be deleted and notify the other reporting agencies. You were notified of these accounts deletion by other two reporting agencies so why do you continue report these fraudulent/unavailable accounts.

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 2022-10-28 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
State: NV

Complaint narrative:
I have tried repeatedly to close my Pay Pal account. I no longer have access to it. Their agents say it can't be closed because I have a Venom account which is owned by PayPal. 

I do not have a Venmo account and attempts to log in to Venmo or get a password reset show I do not. Further even if I did it would not be a joint account with PayPal and should not be a reason to not close the XXXX XXXX account. 

I received a fraudulent XXXX email yesterday claiming there had been an attempt to transfer {$500.00} from the account. A call to PayPal confirmed it was a fraudulent email. Yet when I insisted the account be closed the agent said she would email me something. Repeated attempts to send the email did not work, nor did providing a second email, nor did an attempt to text me. 

PayPal is subjecting me to potential fraud and liability by refusing to close this account which probably also has a credit card still attached to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 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: AL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the reports are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: WA

Complaint narrative:
We ended our service with XXXX  in XX/XX/XXXX. My wife scheduled an appointment and returned the equipment to the XXXX location on XXXX XXXXXXXX XXXX XXXXXXXX WA. In XX/XX/XXXX, she received a text about equipment that wasnt returned. When she tried calling XXXXXXXX she could t get through because our account and been closed. She decided to try logging into the XXXX account and noticed a past due balance of {$330.00} on XX/XX/XXXX. We then noticed a collection account listed on my credit report from XXXX for XXXX in the amount of {$230.00}. She called XXXX on XX/XX/XXXX annd spoke with a rep named XXXX and inquired why there was a collection and XXXX indicated they never sent us to collections and the account had been paid in full. After being transferred numerous times, she found out that they thought the equipment wasnt returned, but they did have record of the equipment being returned as she said. After that was discovered, XXXX still insisted that they never sent us to collections, and that we owe them nothing and they owe us nothing because the account was paid in full, and her information was incorrect and there a houldnt have been a balance on the account. They could not provide any contact information for XXXX because they didnt have record of a collection with XXXX  XXXX My wife emailed multiple times and tried to contact upper management with XXXX to figure out a resolution considering the collection account was listed in error and we over paid XXXX by {$330.00}. They then updated the online account to show a credit of {$100.00} which they later removed. She was told to go to the location the equipment was returned to and they can fix the error with the account, but insisted there was no collection. 
She then called XXXX on XX/XX/XXXX after finding their contact information online, and tried to inquire about the debt. They told her they cant help her and dont work with XXXX anymore and wouldnt provide her any information and the rep continued to say she cant help. So my wife asked if she was on a recorded line and started her name, my information and why she was calling because the representative continued to deny her request for assistance. I have filed a dispute with XXXX where the collection account is listed, but I have no way of finding out who is holding the collection account or how to resolve it due to a lack of information from XXXX and XXXX and their unwillingness to provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL 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 2022-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My mortgage company Shellpoint XXXX has been misapplying my payments. I get paid once a month on the last working day, therefore I pay my mortgage early. I spoke to a lady named XXXX on XX/XX/XXXX and she advised they were misapplying my payments. I have tried to rectify this however they hang up on me, transfer me or supervisors and managers promis to call me back. Supervisor XXXX was supposed to call back on XX/XX/XXXX but did not. It was then escalated to manager XXXX on XX/XX/XXXX. She said she would review the account and call within 24 hours. That did not happen either. Meanwhile, my account is getting further and further behind while they do nothing. Because of this I've spoken to my attorney about giving my house up because I can not deal with this company. However the payments I have paid I still want them applied correctly. I asked if I could speak to someone over Manager XXXX but supervisor XXXX didn't seem to know who that was.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX AARGON AGNCY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I

need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from ref
urnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON AGNCY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL 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 2022-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account Name Credit Collection Services Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the reports are false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022, I closed a secured credit card, named XXXX XXXX, with Citibank. At the time of closure I requested my deposit of {$2500.00} be returned. On XX/XX/2022 I received a letter from Citibank confirming the closure of the account but was informed Citibank would retain my deposit for 21 days per Citibanks policy. Under Regulation DD, 12 CFR 1030.2 ( a ), once the account is closed the {$2500.00} would be considered a depository account and are subject to Truth in Savings Act regulations. Per12 CFR 1030.2 of the Regulation DD, these funds are required to accrue interest until the funds are withdrawn from said depository account and returned to the consumer. I contacted Citibank on XX/XX/2022 at XXXX PST requesting either the accrual of interest or an immediate withdrawal and refund of the {$2500.00}. I spoke with a supervisor by the name of XXXX who refused to do either. I purport Citibank has used my funds for their institutional investment purposes and as such are benefiting from retaining my deposit for 21 days. Therefore the full regulations under the Truth in Savings Act apply and Citibank must comply.

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 2022-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Some one used my information to obtain car insurance. I called the company they informed me the car that was insured was registered to an XXXX XXXX. I do not know who that person is, nor am I affiliated with that person.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of inquires below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account ending in XXXX the amount is XXXX they have violated my rights XXXX XXXX XXXX inquiry dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they have violated my rights. 

XXXX XXXX  inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

US SM Bus Admin ODA inquiry on XX/XX/XXXX and XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX they have violated my rights. 

150 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.

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