vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Danco Financial Services, LLC
State: GA

Complaint narrative:
This harassment started in XXXX, over a car that was repossessed in XXXX. I went to court, and on XXXX the case was closed, case status Disposed. On XXXX, Danco Financial filed another claim against me for the same case, XXXX. I was never served in reference to this wage garnishment. I noticed that my wages were being garnished. I filed a defendant 's claim against Danco Financial, and XXXX XXXX, XXXX ; went to court on XX/XX/XXXX at the XXXX XXXX XXXX. The Plaintiff 's garnishment was disposed and I was granted the money that was being garnished from my pay check. Then my employer notified me that Danco Financial had filed a new claim against me for continuation of wage garnishment. I filed another defandants claim again and wen to court on XX/XX/XXXX and my defendant 's claim was denied until I fight the underlying judgement, in which, I received no documentation in reference to the claim filed. I am really tired of going through this with them harassing me and garnishing my wages for a claim from XXXX, that was disposed, and my money was refunded to me. This is something that is not legit, and is causing a hardship with my living expenses and employment opportunities.The vehicle they are claiming I owe money for was repossessed in XXXX, and I never heard anything from this finance company. I stay at the same address for 15 years and was never served any papers. I did not receive any notices from them after the case was disposed in XXXX until XX/XX/XXXX. I would like for them to stop harassing me and causing hardship in my life for a repossessed car from XXXX, that case was disposed, and I was refunded my money back that they had garnished at the time. I would like them to stop the garnishment and give me back all the money they have garnished from me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX has attempted to collect on a delinquent charge for a line of service that was never activated. In XXXX, I ordered XXXX service, however, XXXX failed to deliver the necessary equipment. I called XXXX to discuss the issue. XXXX understood their mistake and closed the account. No equipment was delivered, no line of service activated. XXXX began sending inconsistent billing statements ranging from {$0.00} to {$720.00}, and back to {$0.00}. Each time I called to discuss that this account was closed/never activated. Each call resulted in promises that this problem had been resolved and would demand no further action from me. I made more than six of these calls. Then, I received a delinquent payment strike on my credit reports. I disputed the items with XXXX and XXXX and filed a claim with the FCC. I have been transferred now four times with XXXX trying to contact them about the problem as well, no one will take responsibility or discuss the matter. Please note the dates on the statements below. XXXX is participated in fraudulent business practices.

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 2022-07-08 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This is a follow up complaint top ARS. ARS stated XXXX reporting of an unpaid collection account is not a violation of a cease communication request, which refers to contacting the consumer regarding the debt in question. 

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium in accordance to 15 USC 1692a ( 2 ). 

A credit report is a medium that you're communicating with me the consumer indirectly! 

ARS claims once again that the FDCPA doesnt apply to them and they continue to violate my cease and desist! 

I have given ARS over a month to cease communicating and they still continue to so. 

I have rights as a consumer that i will not continue to let this lousy third party company who stole my identifying information to violate. 

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, excep to advise the consumer that the debt collectors further efforts are being terminated. 

Im not paying it and you need to cease and communication directly and directly before i sue your XXXX under the FDCPA. 

You make a choice, XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act AFFIRM INC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: MD

Complaint narrative:
I have disputed the referenced accounts to the XXXX 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 2022-07-08 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, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IA

Complaint narrative:
This complaint is also under my maiden at the bank. My maiden name XXXX XXXXXXXX On XX/XX/XXXX of 2020, I had made a purchase using my debit card that was through simple mobile banking who was taken over by BBVA then taken over by PNC. We had to postpone our stay multiple times due to covid. At the last minute our host cancelled. on XX/XX/XXXX, XXXX issued a refund to the original card/bank that was inactive. I informed XXXX immediately that the card was inactive and they continued to issue the refund and told me I need to contact the bank. I contacted PNC bank about this issue and they told me I would not receive the funds due to the multiple switch of banks accounts and could not research the transaction because it was originally purchased through simple mobile banking. They also stated that they could not provide written documents to XXXX. I have tried to resolve this issue with both XXXX  and PNC bank on MULTIPLE occasions. XXXX specialty team will/would only talk through a chat about this issue once I escalated it. The XXXX number that was provided from XXXX is XXXX. I provided that number to the bank and they stated they can not look it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX & XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, AND XXXX XXXX XXXX ACCT # XXXX, has violated my rights.

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received an alert from XXXX XXXX ( under my XXXX XXXX credit card ). That there was an inquiry made on XX/XX/2022. It was made by XXXX XXXX XXXX XXXX XXXX. This was Not made on my behalf. I've already alerted TransUnion, and had them put a freeze on my credit file. They also urged, that I contact your organization to file a complaint. I also made a couple of attempts to contact XXXX 's ( which was uneventful ). 
Please Help.

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to XXXX years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2022-07-08 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: NCB Management Services Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Accounts # XXXX NCB Management Services, has violated my rights. 

In accordance with the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 


In accordance with the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX, has violated my rights. 1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-07-08 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act AFFIRM INC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Company placed debt collection on my credit report in the amount of {$450.00}, however, this debt was never validated within the XXXX days as it is supposed to be. Nor did I ever receive a letter stating that I owed money in order for me to verify and take care of. I want this off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: IA

Complaint narrative:
I was on a Covid-19 forbearance plan with Roundpoint Mortgage. At the time we started our mortgage balance was under {$290000.00}. I was advised I would not be accruing interest during the Covid-19 hardship. When my husband got a job and we were off the plan they modified my loan and without my knowledge added to our mortgage and brought the balance up to {$320000.00}. I have been paying on the mortgage for 9 months and the principal balance keeps rising as well. I was never told that my balance would go up and I was told that there would be no interest added. I was informed that the mortgage would be extended so the payments were lower and that the escrow shortage would be split into 5 years of payments. This is not what happened and Im trying to get my money back on all of the interest they added. I also want to know why my balance increased despite making over {$16000.00} in payments. I tried to solve this with Roundpoint but they said they cant help because my mortgage was transferred to XXXX XXXX. XXXX XXXX  is saying they cant help me because this was something Roundpoint did.

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 2022-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/2022 I attempted to send a payment via Venmo as I have done many times over the last several years without issue. This time my payment did not go through and I was given a message that my account was frozen. I emailed customer support immediately and waited for over an hour on the live chat only to be told the case would be transferred to a different department. I emailed several more times after that over the course of the next week and received a repeated response each time that it was received and will be processed. I have funds in the account that I am unable to retrieve and I have not been successful in reaching anyone at Venmo to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Our XXXX accounts have been blocked by Citi and we no longer have access to it, nor can we withdraw funds. We have made repeated calls, and the customer service team either disconnects the phone, puts on lengthy hold, or tells us that someone will call me back. No one has contacted us back to resolve the issue and our funds and accounts are frozen. We want to retrieve our money and close all accounts with Citi and they are refusing and unable to help.

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 2022-07-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These are ALL fraudulent inquiries on my credit report that I just found. 

XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous )

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 2022-07-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet XXXX XXXX XXXX has misreported my student loan debt, I have hired XXXX XXXX to resolve, 13 items have been removed and 50 more remain, making it impossible for me to obtain housing. I am a XXXX, single parent veteran, XXXX, due to the incorrect reporting of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act COMENITYBANK/VICTORIASSECRET account # xxxxxxxxxxxx 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

Company response to consumer: Closed with explanation