vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are inaccuracies on my credit report and I have contacted each credit bureau to report this information. I was informed that the information would be updated within 48-72 hours. There has been nothing updated and I am not sure what is going on. This has to be fixed.

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 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: NC

Complaint narrative:
I owed {$150.00} to XXXX XXXX for a medical service, which I paid directly using my health flexible spending account. If you contact their accounting office, they will confirm receipt of payment, but I'm also attaching what they sent me as proof of their own ledger system. 

Somehow the debt went to a collection company named Professional Finance Company ( PFC ), po box XXXX XXXX XXXX XXXX. Telephone number XXXX. I did not receive a notice / bill from the company but learned of the issue via a derogatory entry on my XXXX credit report. 

I have tried multiple times to contact Professional Finance company directly via phone ( leaving voice messages ) and I tried to dispute via XXXX, both to no avail. None of my calls have been returned. And XXXX has been experiencing a technology issue for the past few weeks which prohibits me from uploading supporting evidence. Without the evidence, XXXX can't proceed with investigating the dispute. 

I have spent countless hours on the phone, writing emails and working on XXXX 's website that isn't functional. I'm hoping this agency can help me get remediation and remove the item from my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
Aidvantage is my new loan servicer. They sent me a notice dated XX/XX/2022 saying that I have {$120.00} and that it will be debited on XX/XX/2022. This is inconsistent with the current federal pause on student loan payments -- they seem to be planning to charge me a student loan payment despite those loans not currently accruing interest. This seems predatory and they should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have given navy federal my Ada letter then they banned me and now they locked me out of my account havent sent me a new card or updated my address because I suffer from XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/21, I tried to use the card to make a purchase less than {$10.00}, it was declined. I then checked the balance, there was a charge of {$47000.00} pending on the account. I immediately called the bank to report my card information was stolen, that was a fraud. The representative on the phone told me that I have to wait until its posted to dispute it. The next morning I checked the balance again, the charge changed to {$14000.00}, that was what was left on the card, so it wiped out the account. I called the bank again. I was told to file a police report, a dispute form and get them notarized. I did everything they asked for. I also during this time had made multiple phone calls to the store that the charge was made and informed them my card was stolen, please dont make the shipments if its an online sale. I also emailed their company. The store then called their police, XXXX, the officer contacted me for more information through phone calls and emails. He also said that the store informed him that someone was about to come in and pick up the watches that was bought with my name, he was waiting outside the store. He also said he would be happy to help if the bank calls. I then called the bank and provided them with all this information hoping it would help with the investigation. I waited for about 2 months, I today got an email saying their investigation found no error in the transaction and the case is now resolved and closed. I called the bank immediately and was on the phone with a few people for 3 hours, cuz they would put me on hold transferring to someone but the call just drops and I had to start all over again. The whole customer service experience is a nightmare. Eventually I was told that they would escalate the case but not very hopeful. I asked what exactly is the investigation process, cuz I have a police report, I called numerous times when it was still being processed. I called the store if they had investigated any of these resources, its more than obvious that it was a fraud. The word was mentioned throughout the phone calls. I cant contemplate they would come to this conclusion if any effort was invested in the investigation, its clearly a fraud. However, they basically just said that they couldnt see it in their investigation so it was determined as no error. Ive lost faith in their investigation. Please help me get justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: AL

Complaint narrative:
The complaint is for the XXXX XXXX XXXX loan which was taken out for my business XXXX XXXX. 

This loan is through the XXXX XXXX and XXXXXXXX XXXX which provides affordable capital and business services to help small businesses rebuild from the Covid-19 economic crisis.

An LLC is an independent legal entity that is formed under state law. Its independent status means that it has a legal identity that is separate from its members. State law authorizes an LLC to enter into contracts, take out loans, own real and personal property and hire employees in its own name. Hence, The debt belongs to the LLC under established law, not the individual members. 

The loan is in good standing and I have not defaulted. This loan is currently being inaccurately reported on my personal business report not my business credit report. This loan has been removed from one credit agency and should also be removed from Equifax and XXXX immediately. Proper reporting should be updated to my business credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: MS

Complaint narrative:
i been reporting these fraudulent accounts to the three credit bureaus for a while and still havent removed them from my accounts XXXX equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i been reporting these fraudulent accounts to the three credit bureaus for a while and still havent removed them from my accounts XXXX XXXX experian

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 2022-01-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: MO

Complaint narrative:
On XXXX 2021 california child support loaded XXXX onto my card, my ex does not make regular payments so i never know if hes sent money or not. On XXXX XXXX, I was cleaning out old wallet and came across my XXXX and decided to call it to see if there was any money on it, it XXXX told me about a deposit of XXXX made to card on XXXX and there was only XXXX left on my card as of XXXX. when i tried to call customer service to dispute fraud charges and cancel card i was put on hold for over an hour at which time my card was down to XXXX every time ive called customer service i talk to someone new, one person told me to make a police report, which I did, another person i talked to because over a month had gone by and i hadnt recieved the fraudulant paperwork i needed to fill out and send back never came so i was told to make out my fraud report by hand and that it would speed up process, well agian i got no notice, i finally called customer service again only to be told they denied my claim not once but twice for conflicting info?? and the case was closed and theyre sorry nothing they can do about it. everytime i call and try to talk to supervisor im put on hold for well over an hour, they tell me there is no superviser on shift that they will have someone call me in 24-48 hours which no one does!! i know its only XXXX but that is alot of money to me and cant afford to just kiss it away! please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This case involves alleged debt i Received a letter from RESURGENT stating I owe XXXX. I requested RESURGENT show me the legal right they have to collect. I would like to see a contract documentary evidence stating this is my debt. With my signature and validation I would also like to know who gave RESURGENT my address and jurisdiction on this alleged debt. I am also requesting certified copies of signature contract between RESURGENT and XXXX XXXX, ( me ) if this information is not complete and provided this information should be closed zeroed out and updated in good standing. 

RESURGENT violated my consumer rights by stated I owed debt the law below states Im not responsible for alleged debt. I provided exhibits stated I owed nothing validating this debt. 

I dispute this alleged debt and all claims in accordance of 16 CFR 433.2 title 15 USC 1692, Regilatikns Z Regulations M and ALL applicable UCC Articles. 

Tracking number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am a former Employee of US Bancorp ( US Bank ). I am concerned homeowners specifically in Texas are being unfairly targeted on the refinance of their homes by US Bank requiring every Texas homeowner to pay for a full appraisal. XXXX XXXX and XXXX XXXX allow appraisal waivers as long as a property/ loan meets certain criteria. On several occasions I witnessed borrowers having to get a full appraisal when one was not required per XXXX and or XXXX. At this point in the refinance process borrowers have already paid upfront fees including US Banks processing fee and credit report fees. These appraisals are costly sometimes in excess of {$600.00}. When I simply asked why appraisal waivers were not granted to homeowners in Texas there was no clear answer, only a vague response that US Banks system " would not allow it. '' Borrowers are not told upfront that their loan will require a full appraisal even if an appraisal waiver is granted by XXXX or XXXX. I do not feel this is a fair practice given that the borrower is unaware of this requirement and is unable to make an informed decision. It is also concerning that appraisal waivers are granted in every other state with US Bank but if you are in Texas you will not be given this cost saving option.

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 2022-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Morgan & Associates, P.C.
State: OK

Complaint narrative:
Morgan and Associates on behalf of XXXX has garnished my wages for {$800.00} a month for a debt belonging to both me and my soon to be ex wife, XXXX XXXX. The entire amount is being taken from my bank account monthly and with new deductions will exceed the federal legal limit for garnishment of income. Morgan and Associates is committing a crime by taking {$800.00} per month from my account alone when my wife works in the same XXXX XXXX, XXXX XXXX XXXX XXXX, and owes exactly half of the {$7500.00} judgement. My finances have been destroyed as a XXXX XXXX XXXXr in Oklahoma. I can not afford giving almost 30 % of my pay to a debt not owed only by me! This needs to be rectified promptly and action against Morgan and Associates should be taken for their criminal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
I am trying to obtain statements from my bank to show I paid taxes. I need these documents to prove I paid taxes so I can buy a home. My closing date is XX/XX/22 and this is the only thing holding up my file. 

I have tried to contact TCF Bank multiple times and been to the branch, but they are unable to provide me with my previous statements showing I paid my taxes. I know under the FDIC, they must keep documents especially from the past few years. 

My bank was originally Huntington Bank but then TCF bought them. They have pulled up one statement but keep making excuses on why they can't generate my previous statements. They keep referring the info in some type of storage or vault. If I do not get this documentation, I will lose out on this house. I just want them to provide me with the correct statements showing my taxes have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: AL

Complaint narrative:
The complaint is for the XXXX XXXX XXXX loan which was taken out for my business XXXX XXXX. 

This loan is through the XXXX XXXX and XXXXXXXX XXXX which provides affordable capital and business services to help small businesses rebuild from the Covid-19 economic crisis. 

An LLC is an independent legal entity that is formed under state law. Its independent status means that it has a legal identity that is separate from its members. State law authorizes an LLC to enter into contracts, take out loans, own real and personal property and hire employees in its own name. Hence, The debt belongs to the LLC under established law, not the individual members. 

The loan is in good standing and I have not defaulted. This loan is currently being inaccurately reported on my personal business report not my business credit report. This loan has been removed from one credit agency and should also be removed from XXXX and Experian immediately. Proper reporting should be updated to my business 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 explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: C.Tech Collections, Inc.
State: IL

Complaint narrative:
I received a phone call and a voice mail message at XXXX CST from the debt collection agency and in the message they stated it was XXXX which was correct as the agency is EST. I called later in the day to speak to a representative regarding the bill and then Also called back and left a message asking for a call about the FDCPA violation and never received a call. By right I can peruse a claim for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I sent a debt verification letter in XX/XX/2021. The company didn't respond within the 30 days time and have continued to try to colect on the debt. 

Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date that this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. 
Whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Please provide the name and address of the bonding agent for TSI/Transworld Systems , Inc in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 


In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. 

Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation