vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
I received a past due notice for a medical bill that is not mine. It is either the result of identity theft, or outright fraud. I have spoken with the collection agency, Nationwide Recovery Systems, to no effect. I have also notified my health insurance company ( XXXX ) that they paid a claim for a hospital visit that did not happen. I have also notified XXXX XXXX XXXX company because my credit score went down when the collection agency reported me as past due. I also reached out to the state consumer protection agencies in Texas and Florida. Texas refused to take any action, and I never heard back from Florida. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Attempt to make additional principal payment. Additional principal only payment denied. Although it was being made on top of regularly scheduled payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Predatory Lending and illegal repossession I purchased a car from XXXX XXXX XXXX and was financed by XXXX XXXX XXXX on XX/XX/XXXX for {$7100.00} after fees it came to {$7500.00}. The car was damaged in an out accident on XX/XX/XXXX and was towed to XXXX & XXXX wrecker. Since this was during the high of XXXX it was taking longer than usual. On XX/XX/XXXX I continued to make car payment. On XX/XX/XXXX XXXX XXXX XXXX repossessed the car 14 day after I made payment. They sent a letter stating I didn't keep my end of the deal and the care will be sold on XX/XX/XXXX. I called and they were demanding {$1300.00} or {$9000.00} to pay the car off. This was more then I borrowed. The only answer you can get from them is " It's our car we can do what we want. '' Your disconnected when ask for a manager. They changed the amount that I borrowed. Never applied any of the extra payments towards the principal. Illegally repossessed my car that was in good payment status. Sold the car to salvage preventing me from getting a insurance repair or payout. Sent me a contact via email that only prints blacked out. And put a Charge off on my Credit. This company has wronged me and don't even car. Every agency I write to in Georgia they tell them they are protecting their interest. But if Im paying the car not haven't I protected their and my interest? Preventing me from getting a insurance payout or repair is unjustifing me. 


This company has ruined my credit for no reason. Caused me a tremendous amount of stress and pain. Caused me to lose an insurance settlement for no reason. This company is doing this to thousands of people. I found out they settled a class action lawsuit in California for the same thing and now their in Georgia doing the same thing, Please help me. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were Unknown - XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
Someone used my identity to rent an apartment for XXXX XXXX. I did not authorize this transaction. Upon review of my credit report I filed a FTC identity theft report. I sent a copy to the credit bureau with a formal dispute letter. This company continues to verify to the bureaus that this debt accurate??? How can this account be accurate if it's fraud? According to the FCRA section 605 b this information should be blocked from my credit report. All collection attempt should cease. Because they refuse to follow the law and at the minimum have integrity to at least pause collection activity until a thorough investigation is completed. I was recently denied a loan because of this account. It was hurtful and embarrassing. This is Fraud Enablement and Defamation. It is morally incorrect and unfair that they do this to me. I'm the victim amd is being punished fir trying to correct a problem that I didn't cause. I never lived in this apartment or had any business dealings with them or gave them my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: NJ

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 Account # : XXXX XXXX XXXX Account # : XXXX 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 2022-04-26 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: NJ

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 Account # : XXXX XXXX XXXX Account # : XXXX 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 16
81c. ( 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have disputed 4 charges with Capitalone for a vendor called The XXXX  for breaching the contract. In all 3 of the 4 were returned as the evidence validates this accuracy of this vendor not delivering all the services. I have requested CapitalOne to escalate to another evaluator as it is evident that there is some lack of due diligence on looking at the cases as an entire dispute as it is related to 1 Contract but paid over the course of months. I think this is unfair and unjust that I have to continue to explain the situation for the same results where the 3 disputes were granted to me. I have also endured harassment and defamation from the XXXX XXXX during this time and shared all additional evidence. Please review this and help me get the proper escalation within CapitalOne. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
In XXXX of XXXX I had an unpaid medical debt ( not paid because moving house ). I paid it in early XXXX when it went to collection. 

The collection shows up on my credit report, and I need it removed. 

I have contacted Peter Roberts multiple times to try to get the collection removed. On one occasion they suggested that I would have to pay to have it removed. They also suggested that I contact XXXX XXXX, who initiated the collection, and I did. They told me to write a letter to XXXX XXXX. 

On XX/XX/XXXX I used the XXXX platform to send a request to Peter Roberts ( confirmation # XXXX ) to ask them to remove the collection from my credit report. They have not done so. 

I have called XXXX XXXX and they report that they have received no communication from Peter Roberts. I have called Peter Roberts multiple times. On every occasion I am sent to voice mail, I leave a voicemail with my name and phone number ( twice to ensure that it is clear ) and they do not call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
I applied for a refinance through CrossCountry Mortgage on XX/XX/2022. The loan officer in XXXX told me I didn't need to .are a payment on my original loan for .y refinance had gone through but was waiting on an appraisal which didn't come through until XX/XX/XXXX. Then they declined the loan. Putting me back a payment on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I start my refinance of my mortgage on XX/XX/2022. The originating loan officer stated this would be a few week process since it was a refinance. I have submitted all documentation the day it was requested. I am now approaching 70 days and still have not got a commitment on closing. My original loan officer is no longer with the company and was never informed of this change. There have been multiple delays that I was not informed about. I have had to call Freedom Mortgage to learn there are documents that are needed. I recently learned who my new loan officer is, but is actually a sales manager with a license. He was not even aware the file was with him prior to our phone conversation. The company informed me on XX/XX/XXXX that my file was going to underwriting and would take 48 hours to complete. I called XX/XX/XXXX to be told it never went to underwriting and was asked if it was single family home and the HOA amount. These are questions that could have been answered from the appraisal that was complete a month earlier. Now it is XX/XX/XXXX and I still can not get a commitment on a closing. This is affecting me financially since I can not touch my credit and it is holding the Veteran Affairs ( VA ) benefits since the original loan was VA.

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 2022-04-26 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: SC

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

XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX & Inquiry from XXXX on XX/XX/2022 has violated my rights. 

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

15 U.S.C 1681 section 604 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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc.
State: FL

Complaint narrative:
This is a follow up complaint about the response the company SELF/LEAD  XXXX gave me. 
they are using misleading and deceptive practices to collect fees and negatively impact my credit because the only time I received notice that there was an issue with automatic payment was two months later. I NEVER received any other notices prior to that. now checking I see other emails that I've never seen before because they were sent from a different email address and those were going directly to promotions or spam. As you can see in the attached picture below they just apear if I look specifically for Self in the search bar.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On the XXXX of XXXX, I had a conversation with the creditor and then six days later they reduced my credit line which is unfair, deceptive, and a violation of the equal credit opportunity act. This reduction is rooted in XXXX discrimination and national origin. They explicitly used race as assessing risk. This is the second time this creditor reduced my credit line due to race. I had a second credit card and when I made a payment of XXXX dollars they reduced my credit line the very next day which was a substantial injury to my financial well-being. This is a hardship that the creditor imposed on me due to my race.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TN

Complaint narrative:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I BENEFITED FROM THESE FRAUDULENT ACCOUNTS OR INQUIRIES

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 2022-04-26 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: TN

Complaint narrative:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I BENEFITED FROM THESE FRAUDULENT ACCOUNTS OR INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Innovate Managed Holdings, LLC
State: CA

Complaint narrative:
The company refuses to provide a loan payoff amount to myself or the loan refinancing company. Theyve claimed their system has been down for 2 weeks and are unable to provide any account information. This has caused a tremendous financial hardship as my new refinanced loan would be $ XXXX lower than my current payment. I have tried to contact their management team and corporate offices to no avail. Ive already filed a complaint with the XXXX  as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
An account with Acima is reporting on my XXXX credit report as a closed account but the debt is not my debt. I have written Acima XXXX times and they are not able to locate the account and advise me they need more information to validate the account. I have provided Acima with the information I pulled directly from my XXXX credit report and is not obligated to provide further information to help them validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a Citi custom cash XXXX with a {$9400.00} credit limit. I made some large purchases and did not have any credit available. I made XXXX payments XXXX from the Citi website coming out of my XXXX Checking account on XX/XX/22 in the amounts of {$4500.00} and {$3100.00} for a total of {$7700.00}. 

The money came out of my account on XX/XX/22 and was credited to the account but they have not credited it towards my credit limit. When I called Citi they told me their was a hold on the payments because I made multiple payments in one billing cycle, I only did this because I needed the credit available. they told me the hold will be in place until XX/XX/XXXX. That is 9 business days after the money has left my account and they received the funds. 

XXXX transactions should clear in 3 days not 9! They had no problem taking the money from me and are now holding it, interest free. This is unacceptable.

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 2022-04-26 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: FL

Complaint narrative:
On XX/XX/XXXX By Certified Mail I informed the credit bureaus that they where in clear violation of the law. Under 15 USC 1681 b-permissible purpose of consumer reports as pertaining to my credit report. 

I informed the bureaus that I had not given permission for the late payment from XXXXl XXXX XXXX XXXX reported from XXXX & XX/XX/XXXX and XXXX of XXXX to be reported on my consumer report. I asked both reporting agency to remove these late payments from my consumer report. Neither credit bureau as of date has honored my request and continue to violate my rights under 15 USC 1681 Under 15 USC 1681 b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
I do attest that the credit bureaus all 3 including XXXX who just begin reporting this closed/paid in full account is violating my rights. 
1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]

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 2022-04-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently disputed a credit card transaction with a merchant that had overcharged me for a rental car. I contacted the merchant to resolve the issue but at the same time, asked my bank to also investigate. It turns out that when you do this, your bank lets the credit bureaus know that you have a dispute with a merchant currently being looked at but in the process, don't communicate the balance or the payment history to them of your credit card account at that time. As a result, all 3 credit bureaus dropped my credit score by 100+ points! Surely, this is illegal? Why would a dispute with a merchant result in my credit score dropping at all? In one case, the credit bureau dropped my score by XXXX points! I don't believe this is fair. I've worked hard to get my score up and due to what is clearly a flawed process, I have been penalized through no fault of mine. The merchant agreed that they were wrong and the matter has been resolved. However, my credit score has been severely damaged.

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