vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
2 medical accounts listed from collection agency : TRANSWORLD SYSTEM, INC ( TSI ) of which I have disputed with XXXX, XXXX AND XXXX and Collection Agent continues to verify without providing any validation or proof of debt. Prior letter ( s ) from TSI represent information that is on TSI letterhead. I have requested, by consumer collection regulations, copies of original invoices from original medical creditors. To date, my requests, for now well over a year, have been ignored. I've requested service dates and any contracts I allegedly signed bearing my signature, agreeing to pay these bogus medical bills. I will attach a letter I wrote to TSI well over a month and all has been ignored by TSI. I'm asking for permanent deletion to both accounts with the file returned to original creditor. The accounts are TSI REFERENCE # XXXX & REFERENCE # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: PA

Complaint narrative:
Credit Control LLC is refusing to send me proof of an alleged debt, refused to give business ID number and provided the wrong address ( correct address viewed on website ).

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 2022-10-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted the three credit bureau about an account on my report. Its been over 30 days and I still havent heard anything back from the company nor the three 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 explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FMA Alliance, Ltd.
State: NJ

Complaint narrative:
Dear Madam/ Sir, CFPB : This matter is in regards to a loan that was purchased on/or about 4 to 5 months ago to pay most of my medical coopayments that are not covered by my insurance company. And Also medications need it, for me, in and out of the counter. Also to pay some of my car payments and also to pay my rent. This debt collector is calling me day and night harrasing me and thretening me to pay the loan. Do to my XXXX and do to the Covic 19, rules and regulations. I dicide it to settle the loan, in {$1.00}, that is as much as I can pay, .I cant pay any more. This debt collector is abusive in language. And this is against the consumer protection laws. Thank you. Respectfully yours : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
To whom it may concern, I have sent XXXX XXXX XXXX by certified XXXX on XX/XX/2022 requesting validation of account by law proof of said account that I owe XXXX or had any legal obligation to pay them. 

It's now been over 30 days the required time limits for this account and I have not been provided with any proof by this company on paper bearing my signature that I legally owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
Emails sent to my sister in law from XXXX XXXX XXXX about my new account opened. I contacted XXXX XXXX XXXX and had them close account. 

Then I got a notification by email about me owning a new bank account with XXXX XXXX. Did the same, called them and had it closed as it was not me who opened it. 

Now I have a notification by email of an identify verification with XXXX XXXX. Trying to contact them but can't get anyone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Experian needs to delete this file

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 2022-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc.
State: NY

Complaint narrative:
Please be advised, I just discovered that a company by the name of Complete Credit Solution has reported me in collection claiming that I owe {$1400.00} for a company XXXX XXXX. Please understand that I do not or ever do any business with that company and totally believe this is an act of fraud. Please investigate and have them remove my name from the credit reporting agencies.

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 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX Credit sold a debt to Portfolio Recovery Associates I have for the past 4 years requested the original application/validation demonstrating that I personally applied for this loan. 

They have not provided this documentation. The mailing address that they have was for my business. I did not apply or authorize this loan, I believe that an employee ( former husband and controller ) applied for the loan without my knowledge. 

They state that because there were payments made and that this is sufficient validation. I have requested documents related to the methods these payments were made by me ( ie check, another credit card ) which I have not received. 


In summary I believe that I should be able to obtain the original application and what form of authorization I made for this debt. 

I am unable to proceed with other action related to use my name and information fraudulently without proof.The negative report has impacted my credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
XX/XX/XXXX I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a credit card, I was denied my open-ended credit. I sent a certified letter to the company that was signed and has a return date of XX/XX/XXXX with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for for non-compliance pursuant 15 USC 1861o , 15 USC 1640, 15 USC 1691e and have not received any response.

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 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made two payments to Comenity Capital Bank. One payment for {$150.00} on XXXX XX/XX/22 sent from XXXX XXXX XXXX XXXX. Confirmation number XXXX. Second payment {$300.00} XX/XX/22. XXXX XXXX XXXX XXXX. Confirmation XXXX. These payments were not reflected on my statement. I have tried on numerous occassions to contact Comenity Bank but have had no satisfaction. The telephone number they gave me is not answered after two hours of wait time. Telephone number XXXX help in this matter will be appreciated. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I requested a refund for payments made during covid deferment. Fedloan Servicing processed the request and said I would get a payment in 6 weeks. I have yet to get a payment and can't get a hold of them for an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I filed for XXXX XXXXXXXX bankruptcy on XX/XX/2022, and PennyMac Mortgage is reporting that I am in arrears of {$3300.00}. PennyMac reported this amount to the courts for my XXXX XXXXXXXX bankruptcy but was unable to tell me how they arrived at this amount when I called their collections department. 

When I called PennyMac I spoke with the following representative who reviewed the proof of claim submitted : XXXX. ) XXXX XXXX XXXX. ) Title : Escalation Team - Collections Department 3. ) Office Number and Extension : ( XXXX XXXX XXXXXXXX - Ext. XXXX XXXX at Pennymac confirmed he was unable to see calculate any arrears on my mortgage loan since my loan is paid to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: PNC Bank N.A.
State: NY

Complaint narrative:
In XX/XX/2021, a scammer opened a prepaid debit card at PNC Bank in my name and using my social security number. The scammer also changed the address, email, phone number, password, and security questions on my online PNC account. 

I have a HELOC with PNC which is set to autopay, so I did not notice the fraudulent account for several months. As soon as I realized what was going on, I immediately notified PNC Bank and requested that they remove the prepaid debit card account from my account and investigate the matter. I have made repeated requests to the bank and spent hours on hold and nothing has been done. 

I was able to undo the changes to my PNC online account, but the prepaid debit card is still connected to it. I still don't understand how any of this happened and the bank has taken no action and offered no explanation or apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act accounts listed below have violated my rights. These accounts have shown as " VERIFIED '' by the XXXX XXXX XXXX. I have provided proof of my credit report ( current ) that shows in fact that the inconsistencies are still on there, 15 USC 1681 sections 604A Section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions. 

The below listed accounts are inaccurate and is improper use of my credit report... 

XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Texas XXXX XXXX ( Closed Charge off )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I have a debt on my credit report that has been increasing however I do not owe the XXXX Kimball. They are a third party attempting to collect on a past apartment I lived at but was settled in court. I paid {$600.00} that was the judgment ordered I did not live there after that and nothing more was owed. 
This was removed from my credit report then it appears again now. 
This same exact amount {$4000.00} also shows up on a separate persons credit report who lived there also which would definitely be incorrect information because that is {$8000.00}. In total for the same apartment. 
This person was not even initial lease his name is XXXX XXXX XXXX. 
I do not owe XXXX XXXX XXXXXXXX ANY AMONNT of money I paid what I was ordered to pay in full {$600.00} and moved out I was never informed of any additional charges owed that was it. This took place in XXXXXXXX XXXX XXXXXXXX. I moved there in XXXX XXXX and that would be when the initial lease was signed by me I lost alot of my belongings in storage I couldnt afford due to XXXX and XXXX related issues. I do not know if I have the lease but the copies exist and so does a court judgement I never did any business whatsoever with KIMBALL AMD TIREY XXXX and they could not validate that I have ever or produce a contract which I have signed period because there isnt one. I am also part of the data breach in XXXX XXXX settled for XXXX XXXX and have filled a claim. 
I have filed multiple disputes and I feel to that the XXXX debt in my credit report for XXXXXXXX XXXX may be a result also because I did not open a new account in XXXXXXXX XXXX XXXXXXXX Theres not even a way anyone would open one for me that XXXX {$290.00} Is absolutely not mine in any case please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: OR

Complaint narrative:
The XXXX XXXX XXXX ( XXXX ) has I.C System out of compliance and therefore XXXX can not process any arbitrations with I.C System. 

This means they are not only in breach of contract with me but with every other account I.C System is servicing. 

I am requesting the Consumer Financial Protection Bureaus launch a class action against I.C System on behalf of all other consumers. 

This company is in breach of contract and failed to comply with the arbitration provision on the debt they are collecting.

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 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XXXX/XXXX/2022, XXXX XXXX, Branch XXXX at PNC Bank refused to dispense funds from my checking account after I provided my valid government issued identification and debit card. He insisted that I come in the branch to complete paperwork. I am XXXX and have mobility difficulty that I am overcoming. XXXX asserted that even if I came into the branch, no one was available to help me indefinetly. I was effectively denied service. Please help me get my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: CA

Complaint narrative:
My police report number is XXXX. XXXX XXXX Police Department. 

I have errors on my credit reports that I have been trying to remove for years unsuccessfully and the credit bureaus have continued to list them as valid. These are fraudulent reporting errors and I wish them removed immediately. 

XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$2600.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$37.00}, XXXX written off. {$37.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$37000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$34000.00} Highest balance {$0.00} Terms 74 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7400.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$6000.00} Highest balance {$0.00} Terms 36 Months On record until XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Transferred, closed. {$420.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$420.00} Terms NA

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 2022-10-12 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2022-10-12 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: MO

Complaint narrative:
In Accordance with Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666ba creditor may not treat a payment on a credit card account un der and 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 non-monetary relief
Consumer complaint received 2022-10-12 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: MO

Complaint narrative:
In Accordance with Fair Credit Reporting Act this creditor [ XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX ] has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666ba creditor may not treat a payment on a credit card account un der and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation