vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Self Financial Inc.
State: FL

Complaint narrative:
As of XX/XX/2019 my credit report was open and then it was reported on XX/XX/2019 without my consent I did not give any permissble prior to the law of 15 usc 1692g I DEMAND and DISPUTE validation or any debts or any portion thereof, the debt will be assumed to be valid by the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: NJ

Complaint narrative:
Complaint ID XXXX has ben closed without proper documentations being provided and within the appropriate time frame. Per NCB they claim to have provided the necessary documents to verify or validate the alleged debt.

As Per CFPB 1006.34 Notice for validation of debts all items should be provided and I have not received these in its entirety and for this should be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
I had a court date for XX/XX/21 for a judgement hearing, got many cards mailed to me from the court to remind me of my court date, also received phone call on XX/XX/21 which was a Friday from the court clerk reminding me of my court date for the XXXX. On that following Monday XX/XX/21 a judgement was entered against me from this debt collector Hayt Hayt & Landau, same court, same judge for my court date on XX/XX/21. How does that happen? Filed earlier complaint against this debt collector, I stated that I never got the respond back to their answer on my side, never the less, they stated in that complaint that they sent me the verification I asked for. They never did, I'm stating that here now also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Great day hope all is well! 

My bank Citibank charged me {$130.00} in overdraft fees along with {$12.00} monthly fees. I am experiencing financial challenges at the moment, with this information I am requesting my {$130.00} to be returned to me because I can not afford to pay the bank this fee and not sure why some of the fees were assessed to the 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 monetary relief
Consumer complaint received 2022-05-19 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: CREDIT ACCEPTANCE CORPORATION
State: FL

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 a account without 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 2022-05-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax to let them know they are not reported accurate information on my XXXX  account I advised that the balance owed is not the amount being reported and the High balance is incorrect as well they stated they did an investigation and it was accurate I advised that According to the company and the other two credit bureau the balance is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUHOME SOLUTIONS, LLC
State: OK

Complaint narrative:
Truhome solutions from XXXX ks. One year they failed to pay XXXX home owners insurance from my escrow account resulting in me nearly losing my insurance. I paid it from my personal account to prevent not having issuance. According to XXXX the bill was sent and payment never received. Last year I switched to XXXX XXXX XXXX which had a lower yearly rate and they sent the wrong amount out of my escrow account. They sent what XXXX was charging to XXXX XXXX  and the difference was about {$600.00}. This year I switched to XXXX and I paid directly out of my personal bank account. I contacted Truhome spoke to customer service informed them of new policy obtained an email address to send me policy advised them I paid in full and they only needed to file the new policy NO PAYMENT needed. I was given a new escrow analysis and refunded the overage at that time. After this, they turned around and sent XXXX payment from my escrow account. I got a refund from XXXX, had to deposit it and then pay back my escrow to avoid my payment going up about {$110.00} for XXXX. This company is HORRIBLE at servicing loans. Time and time again they continue to mess around with my escrow and make my monthly payments go up. At this point ( 3rd time ) I do believe it is intentional. I am requesting oversight by the government to look into this company and their practices. It would be very easy for this company, with their current fraudulent practices to create a delinquency issue for someone who hasn't been watching them closely. Have they done this to others? How many times have they failed to pay insurances allowing them to choose the insurance company? Are they receiving kickbacks from insurance companies in this practice? How many other accounts are they suspiciously fluctuating their monthly payment? How many of these cases resulted in foreclosure? These are some questions I have about this company. Please look into my case in particular and see if this looks odd to you. It has happened 3 times since they took over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX XXXX, and XXXX have refused to removed a debt that I am not responsible for. I have been proactive with communicating and disputing this collection. However, they refused to take action. I have been a victim of Identity Theft and was apart of experian data breach. They have also acknowledge that my personal information including my social security number, phone number, and address was found on the XXXX XXXX I am filing this complaint to take further action in my dispute process in result of having a collection removed. attached are my original documents sent to the credit bureaus.

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 2022-05-19 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: TX

Complaint narrative:
Im accordance with the Fair reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
Im accordance with the Fair reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 2022-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Account opened in my name XX/XX/XXXX XXXX Account closed by Bank of America 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 2022-05-19 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have informed Transunion, XXXX and XXXX that they are reporting invalid information on my credit report. They did a dispute BUT did not validate as I requested with signed documents, receipts or any proof that either of these accounts are mine! I have repeatedly requested that they investigate and remove from my report. they have refused XXXX. XXXX XXXX Bank {$560.00} balance acct XXXX opened on XX/XX/XXXX XXXX. XXXX XXXX XXXX  {$1000.00} balance acct XXXX opened on XX/XX/XXXX My rights are being violated! 

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. ''

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 2022-05-19 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: SC

Complaint narrative:
I have submitted several dispute with XXXX, equifax and XXXX for a medical bill reporting on my credit report, and also my mortgage company XXXX XXXX XXXXXXXX reporting inaccurate missed payments. 
I have attached the results of the dispute of the medical record reporting on my credit report. The item still hasn't been removed, it was added to my report a second time after the dispute with a new open date of XX/XX/XXXX. 
My credit score has dropped significantly due to the bill reporting on my credit report. I have shown proof that the bill was to be paid by workers compensation settlement in XXXX. 
I have also submitted a dispute against my mortgage company for reporting inaccurate missed payments. I submitted proof that the payments were mad on time. Some of the missed payments were corrected, then added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
ally financial isnt reporting XXXX XXXX isnt reporting XXXX isnt reporting my XXXX XXXX XXXX card isnt reporting my XXXX XXXX isnt report XXXX shows i only have oone trade line and when my credit gets pulled it say stuff that isnt me and shouldnt be reporting

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 2022-05-19 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: PA

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. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. I sent a debt validation letter to them in XXXX. Its been 45 days and they have yet to send all the requested documents. They are violating my rights. There has been no document presented to me proving that I owe the alleged debt nor that I have even engaged in doing business with them. The date opened, comment, and last active dates are inaccuate when comeparing my Transunion and XXXX consumer reports. There's different information on each one. This is also a violation. Having this inaccurate item on my consumer report is negativly impacting my ability to secure credit and loans.

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 person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-19 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: NC

Complaint narrative:
Transunion, XXXX and XXXX are reporting a charged off account on my credit report. the original credit is XXXX XXXX XXXX. This account is over it statue of limitations to collect this debt and to be reporting on my credit report! I have asked several times for them to remove this information but for some reason they seem to continue to re-age the account. I am trying to purchase a home and this account is the only thing standing in my way. I have done everything that I can do to try to pay the debt including contacting XXXX XXXX  informed me that they could not find the amount owed and that the account was over its statue of limitations to collect. And the Collection agency who had the account, informed me that the account was over its statue of limitations and they could not collect the debt. therefore there is no debt.

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 2022-05-19 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: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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 2022-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Approximately one year past ( XX/XX/2021 ) I purchased a service from XXXX XXXX XXXX to assist me in selling or dissolving a time share. They suggested they had the means to so and I agreed to place {$4900.00} on a Barclays credit card. XXXX XXXX was unable to assist me and I filed a dispute with Barclays for a charge back. The claim was incorrectly filed under fraud instead of no benefit of service and we received the funds back from Barclays. On the next billing cycle the amount appeared again explaining I had entered into the transaction willingly and was not fraud. I agreed and reminded them I had filed the complain as a no benefit. Barclays then let several months transpire without addressing the issue and now suggests too much time has passed for them to remedy with the vendor. I have tried in vain to work with Barclays but they suggest there is nothing they can do. I have tried working with the company but they are not answering my calls

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 2022-05-19 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: National Credit Adjusters, LLC
State: LA

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 response to consumer: Closed with explanation