vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: TX

Complaint narrative:
NBS is trying to collect from a car incident for a car I do not nor ever have owned. 
Claim # XXXX Amount {$11000.00} They claim I own a XXXX XXXX XXXX and because my son used an old address of ours from Pennsylvania for registration and he is XXXX XXXX XXXX. I explained this to the guy on the phone, he said " too bad '', your name, your address, your car. I have not lived in PA since XXXX. Owned a townhouse until XX/XX/XXXX, for visiting. Not sure how to get my name off this claim. The incident supposedly occurred on XX/XX/XXXX. Again, not me, I live in Texas, never owned a XXXX XXXX and surely was not in Pennsylvania in XXXX. 

What recourse do I have? How do I proceed? 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
I transferred {$1000.00} to my XXXX XXXX account on XXXX of XXXX XXXX XXXX of XX/XX/2023 I received a confirmation message that the funds were deposited to recipients account but when I checked my account I didnt receive any money from Remitly so I contacted to. the customer service and file a complain about it They said they will call me back with the resolution in 4-7 business days but I nobody called me from Remitly so I called them n they said the same thing so I waited again for 7 days .Same thing was going over n over again. Its been more than a month n I still havent got my refund back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I submitted a dispute on XX/XX/2023 with transunion because they are reporting an eviction record that was not only dismissed but VACATED! They sent an updated report on XX/XX/2023 but all they did was change the filing type when this record should removed and not appear at all.The update they provided does not accurately portray the courts decision and the documents provided. They are also showing a judgment amount when I dont owe any money! The case was dismissed and vacated most importantly which means the record needs to be removed. I am very upset because this record is preventing me from obtaining a new apartment and I will be suing if this is not resolved satisfactorily.

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 2023-03-23 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: NC

Complaint narrative:
Someone has assumed my identity to apply and receive credit without my knowledge or consent. This has caused financial hardship to my credit profile

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 2023-03-23 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: NC

Complaint narrative:
Someone has assumed my identity to apply and receive credit without my knowledge or consent. This has caused financial hardship to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2023 I C System, Inc . 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern, I am writing this letter in response to the notice I received from I C System regarding a debt that I allegedly owe. I am requesting that you provide me with all legal documents that prove the validity of the debt.

As a responsible consumer, I take my financial obligations seriously and I am willing to pay any legitimate debts that I owe. However, I can not do so without proof that the debt is valid and that I am responsible for it.

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt before making any payments. Therefore, I am requesting that I C System provide me with the following documents : 1. The original creditor 's name and address 2. The account number associated with the debt 3. The date the debt was incurred 4. The amount of the debt, including any fees or interest charges 5. Any written agreements, contracts, or other legal documents that support the validity of the debt I request that this information be sent to me within 30 days of receiving this letter. If I do not receive this information within the specified time frame, I will assume that you are unable to provide the requested documentation and will consider the debt to be invalid. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Foursight Holding LLC
State: NE

Complaint narrative:
My vehicle was repossessed without knowing it was up for repossession. I had recently made arrangements for a XXXX payment and a XXXX $ fee payment for a extension. When I contacted them by thru their website chat I was then told a different amount. I asked the representative of they could look into it because I was prepared to pay the agreement that was made. The representative told me no and that I had to pay XXXX $ instead of XXXX. Then today I look out the window and see the vehicle with my belongings being towed away. There has been billing discrepancies for a while now which led to this situation and this repossession was unwarranted and illegal I believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/2023 Wakefield And Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX To Whom It May Concern, I am writing this letter in response to the recent credit report I received that shows a debt allegedly owed to your company. I am requesting that you provide me with all legal documents that prove the validity of the debt in question. 

As a responsible consumer, I take my financial obligations seriously and I am willing to pay any legitimate debts that I owe. However, I can not do so without proof that the debt is valid and that I am responsible for it. 

Under the Fair Credit Reporting Act, I have the right to request validation of the debt before it is reported on my credit report. Therefore, I am requesting that Wakefield And Associates provide me with the following documents : 1. The original creditor 's name and address 2. The account number associated with the debt 3. The date the debt was incurred 4. The amount of the debt, including any fees or interest charges 5. Any written agreements, contracts, or other legal documents that support the validity of the debt I request that this information be sent to me within 30 days of receiving this letter. If I do not receive this information within the specified time frame, I will assume that you are unable to provide the requested documentation and I am requesting the immediate removal of this debt from my credit report. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from Chase Bank indicating they were closing my credit card, just 3 months after opening, because they had previously terminated the relationship ; that was in XXXX due to their negligence. Almost the entirety of the current relationship were two vacation purchases, both paid off on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
I recently was denied credit based on a collection account reported on my XXXX credit report which drastically dropped my credit score substantially. Upon investigation with the credit bureau I noticed that a company called Phoenix Financial services on XX/XX/XXXX placed the collection account on my XXXX credit report. I also contacted Phoenix Financial Services and was told that it was am ambulance bill from XX/XX/XXXX from XXXX which I did not pay in the amount of {$1500.00}. I had a XXXX XXXX XXXX in which it was settled and the medical bills were paid through the attorney that I had in the XXXX XXXX XXXX case. Contacted the attorney 's office and the medical bill was paid through my insurance company XXXX XXXX with which I had full ambulance benefits covered under my plan. I contacted XXXX XXXX and we was on a three way call with ambulance company. In that discussion, the ambulance company XXXX never submitted the bill to XXXX. XXXX had my XXXX card membership number which my Daughter game them while I was being transported to XXXX hospital on the direction of my Daughter. Now because of the statute of limitations XXXX told XXXX that they can not pay the bill because it was never submitted to them for payment and now they are trying to biil me directly. My coverage and medical benefits has not change since XXXX. XXXX did merge with another company who in turn decided to report the debt as a collection account to XXXX. Please note that I never received a bill since XXXX from XXXX until XX/XX/XXXX from a collection agency without even notifying me what the debt was for. I want this removed from my XXXX Credit report immediately and any other Credit reporting agencies.I believe it is a violation of my rights under FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
IL Dept of Healthcare and Family Services Division of Child Support Services XXXX XXXX XXXX HFS XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verfiod correctly. My credit report is still showing Inaccuracies, 15 U.S.C. 1681s 2 ( AX1 ) A person shall not fumish any information relating to a consu nor is an / consumer reporting agency if the person knows or has reasonablo cause to beieve 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 explanation
Consumer complaint received 2023-03-23 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: IL

Complaint narrative:
IL Dept of Healthcare and Family Services Division of Child Support Services XXXX XXXX XXXX HFS  XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verfiod correctly. My credit report is still showing Inaccuracies, 15 U.S.C. 1681s 2 ( AX1 ) A person shall not fumish any information relating to a consu nor is an / consumer reporting agency if the person knows or has reasonablo cause to beieve that the information is inaccurate,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: NC

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. Account name : XXXX XXXX  # XXXX. Account name : XXXX XXXX  # XXXX. Account name : XXXX XXXX XXXX # 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 : 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. 15 U.S. Code 1681 to ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

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. Account name : XXXX XXXX  # XXXX. Account name : XXXX XXXX # XXXX. Account name : XXXX XXXX XXXX # 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 : 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. 15 U.S. Code 1681 to ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I bought a house. Shortly after the close of the sale we had the pandemic lockdowns. I panicked and utilized the forbearance process. At the end of forbearance, I tried to pay my regularly scheduled mortgage payment online, however, I ran into an issue, the loan number on my signed mortgage contract, was not available to pay online, as if it didn't exist, at least on their payment portal. I called Cross Country Mortgage and waited on hold for 45 minutes. The call was answered and some basic information was gathered, my name, my phone number, reason for the call, etc. These questions continued on for a few minutes and then the call was abruptly disconnected. I called back only to repeat the exact same scenario once more. I waited until the next day to eliminate a connection problem on my end, I also ensured that I called from a different location, again, to rule out a problem on my end of the communication. 45 minutes on hold again, only for the call to drop a few minutes after sharing my information. I started to call, wait on hold for no less than 30-45 minutes each time, and I would immediately ask them to call me back if we were disconnected, they never did. Eventually, after months of chronic stress, I received a letter in the mail with my loan number and where I can remit payment. I promptly made a payment. The check cleared and I could finally relax. The next month came, I wrote and mailed another check, which was returned to me attached to a letter stating that I was going to be foreclosed upon. I have done everything in my power to work with Cross Country Mortgage, but it is clear to me that they are not being forthcoming. I have the reinstatement quote low enough for assistance to help me, but the company providing the assistance needs the lender to send a single piece of paper. To my knowledge, Cross Country Mortgage has yet to send them a verified reinstatement quote. I don't know what to do at this point. I am filing this complaint as a last resort. Last year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that I am being preyed upon by this company and as far as I can tell, I have no legal recourse, and even if I did, I wouldn't be able to afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
It has been over 5 months since my account has been closed bank has not released my remaining funds.. I have been calling every week for 5 months and every time they tell me that my funds will be sent out within a week. They inform me that my account is closed and should be sent out a check but after numerous attempts to resolve issue I have not received my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23 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: PA

Complaint narrative:
In XXXX of 2018 a bill I had with XXXX XXXX XXXX was fully and completely dismissed ( I have the record confirming this ). Despite this, a collection agency began trying to collect on this bill later in 2018. Earlier this month I disputed the delinquent account with Equifax. They updated my credit report, but instead of showing 'paid in full ' or 'removed ' ( which XXXX did correctly ) they updated it to say it was accurate. The bill was fully discharged. This is fraudulent. I am a XXXX veteran and they are trying to collect on a paid bill. Equifax is complicit for not removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: FL

Complaint narrative:
According to 15 USC 1681 section 602 A States I have the right to privacy.

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

15 USC 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 more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Account name : XXXX XXXX XXXX ACCOUNT NUMBER XXXX xxxxxx Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX ONLY ADDRESS SHOULD BE ON MY CREDIT IS THE ADDRESS 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 non-monetary relief