vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, my insurance agent received quotes of insurance on a new property I was buying. 

The sale did not go through as planned. I ended up closing on it on XX/XX/XXXX due to a lengthy legal dispute. 

When I got access to the property, I saw unpaid notice mails delivered to the address from Credit Collection Services, trying to collect a " debt '' from XXXX XXXX XXXX XXXX for property insurance dated XX/XX/XXXX for {$370.00}. 

They want me to pay a debt I do not owe, on insurance I did not bind, on a property I did not own at the time. They are extorting me saying it will be reported to my credit bureaus anyway. I have a perfect XXXX credit. 

This is fraud. They are trying to collect money for services not rendered. You can not get insurance on someone else 's property. Just like they would deny my claim had any damage to the property occured prior to me buying it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX aka XXXX XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XXXX XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

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 2022-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX XXXX XXXXXXXX aka XXXX XXXX XXXXXXXX aka XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

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 2022-03-14 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: LA

Complaint narrative:
On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX XXXXXXXX aka XXXX XXXX XXXXXXXX aka XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I mailed a letter to Transunion to inform them of there continues inaccurate reporting, breaking the law, and infancy of my privacy. On XX/XX/XXXX I XXXX XXXX XXXXmailed a dispute to TransUnion for reporting a Chapter XXXX Bankruptcy that does not belong to me. I have filed several complaint through CFPB dates are as following. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have informed TransUnion several times of them breaking the law and infancy of privacy. As of XX/XX/XXXX TransUnion have failed to show on my consumer report that this bankruptcy was dispute. This is a violation of my right pursuant to15 U.S. Code 1681i. TransUnion have also fail to provided me with the re-investigation detail procedures. I was told on the phone XX/XX/XXXX that the information come from XXXX. I have a letter from XXXX stating no bankruptcy is reporting to my account. Once I informed TransUnion about XXXX, I was told they received the information from the court in my district. I also have a letter from the court in my district stating they do not give out this information. 
This inaccurate information on my consumer report has cause be to lose my job, and I have not been able to get stable housing for my children and I.

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 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I never received my package because the mail carrier I went to the posted off because it's said my package was delivered so I thought maybe it would be there the lady at the front desk called the carrier and he said he put it in the wrong mail box but then said the package was to big to fit in the box I asked my neighbor and they said they saw a package but I don't know if that was mines or who took it the XXXX XXXX told me I had to have insurance but it was the mail carrier fault for putting it in the wrong box I told chime this and I sent my Police report and everything this happened XXXX XXXX the package was a fire stick for the amount of {$100.00} I been fighting this claim since that dates and they have denied me several times On XX/XX/22 I made another claim For the amount of XXXX someone used my card after I losted it I filed a police report as well I got denied I ask them to reopen the cases now I waiting the and the 1st case I been fighting for almost a year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXXup to and including today ( XX/XX/2022 ) ATM at Truist bank branch out of cash. No sign on machine, no explanation inside bank. Clerk inside bank gives out the cash to a very long line of unhappy customers.

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 2022-03-14 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: FL

Complaint narrative:
I was a victim of identity theft in XX/XX/XXXX after discovering several unauthorized credit inquiries for various credit cards, banks, and cell phones appearing on all three credit reporting statements. I immediately locked all XXXX  credit reporting accounts, as well as notified each bank and/or credit card of the theft. Despite the locks, I continued to get notifications throughout the year that someone was trying to open bank accounts or credit cards using my credit information. On XX/XX/XXXX, without ANY previous contact from XXXX XXXX, I received a notice from XXXX XXXX XXXX  that I was in default of {$4100.00}. THIS IS NOT MY ACCOUNT. I immediately called XXXX, but was told that they would not work with me as my account was in collection. I wrote XXXX XXXX on XX/XX/XXXX that it was not my account and asked for FULL DOCUMENTATION of the account. I've repeatedly written and called both XXXX and XXXX XXXX stating that it was not my account ( including a police report ). To this date, I have received NOTHING from either IXXXX XXXX nor has XXXX XXXX. It has been over XXXX months since I sent my letters and called. In the meantime, I have also retained a lawyer to assist, but still XXXX continues to re-post the closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 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: MS

Complaint narrative:
Ive notified EXPERIAN with several complaints and letters stating how they are improperly reporting information on my consumer file which is unlawful according to the FCRA! Ive also made several complaints via the CFPB portal and EXPERIAN continues to ignore my notices, and by doing so they are now committing willful negligence which is a violation of the FCRA. Ive recently sent an affidavit giving EXPERIAN notice of these violations and stated that Im also holding them civilly liable pursuant the laws under the FCRA. They continue to ignore the law and report improper information regardless of the efforts Ive made to rectify the situation. Pursuant 15 usc 1681c ( a ) ( 4 ) they do not have the right to report the accounts XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: LA

Complaint narrative:
There are 3 inaccurate accounts that qualify for deletion 2 charge offs and one late payment see letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
First Source Advantage has called two people who are not me. One, related ( mother ) including another unrelated. They have harassed both parties, calling them 3 times a day for 36 days and counting. Most common phone number they have called from is XXXX. They have broken fair debt collection act laws on multiple occasions. They have disclosed my social security number to two people who are not me, they have disclosed alleged amount owed to people who are not me, they have disclosed my personal information multiple times, they have also disclosed what company the debt is allegedly owed to. 

List of Fair Debt Collection Practices Act broken 804. Acquisition of location information 15 USC 1692c 805. Communication in connection with debt collection 15 USC 1692d 809. Validation of debts 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 810. Multiple debts 15 USC 1692i

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I have sent letters asking to verify information on the account because it is being reported in accurately. I've asked to verify date of alleged delinquency, verification of the assigned collector, the amount, and date of charge off. 
A letter was sent and received by National Credit Adjusters on XX/XX/2021. Thirty days passed and I did not receive a response. They continued to report to all 3 credit bureaus. I sent another letter which was received on XX/XX/2021. I asked them to remove my account since the have failed to validate. 
I received no update nor response as they continue to report on my account incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
In XXXX as a brand new XXXX, I was approved for the XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I used the card for 19 years with excellent payment history ( I owed {$5500.00} ), until I became incarcerated at the end of XXXX. My final bank-auto-payment stopped not long after, because my wages were stopped and I couldn't reach all my creditors except the ones that reached out to me in prison. I never got any CORRESPONDENCE from XXXX from XX/XX/XXXX to my release, XX/XX/XXXX. In XX/XX/XXXX I found out from the IRS that my 1st and 2nd stimulus checks were garnished by XXXX, I called XXXX and was referred to Transworld Systems Inc, who told me the US Treasury gave them {$1700.00} of the {$1800.00} ( minus admin fees ) on XXXX XX/XX/XXXX. I never got any CORRESPONDENCE from the Treasury Dept either. The TSI representative also stated that I now owed {$15000.00} with 15 % interest accrual per each {$1000.00}, per month, but if I requested for hardship consideration, they will send me a Statement of Financial Status. I later asked why wasn't the debt forgiven after seven years and it's no longer on my credit reports, and the lady said that XXXX do not forgive debts and it will be back in my credit reports soon, in collections. I received their first letter with the Statement of Financial Status, late XXXX, dated XX/XX/XXXX. I decided to consult a Pro-Bono attorney from the XXXX XXXX XXXX XXXX and later worked with a XXXX XXXX volunteer who researched the issue and found, 1. Its unlawful not to inform or attempt to collect from the debtor before putting a lien on his or her XXXX. - I was at a XXXX XXXX facility for six years before transferring to a Federal establishment, I was reachable. 2. The US Treasury Dept must inform the debtor of their action upon garnishment. - I sent an IRS Change of Address forms upon release to the XXXX  XXXX  that the federal prison released me to. In both instances, I was reachable, and I was in the hands of the US government. 

I first requested my {$1200.00} stimulus, XXXX XX/XX/XXXX via XXXX, as instructed by the IRS, and I sent it via Certified Mail. I waited and waited, until the IRS re-instructed that this time it must me claimed as a XXXX tax refund which I did again but at this time, the second stimulus was added to make it {$1800.00}. 

I also asked TSI for a complete debt profile from the beginning of this debt to now, but they say that process will take 30 days, I haven't gotten that yet. 

The reason I couldn't work any financials with them is because I'm currently XXXX with XXXX  XXXX  since my release, so I have no income. I tried my hand at temp-work for 2-1/2 months, but that only aggravated my condition, so I'm currently XXXX  and living at a VA XXXX XXXX XXXX XXXX while receiving treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
XXXX XXXX had a due date of XX/XX/22. We were made aware on XX/XX/22 the payment had not been received and a phone call was made to PennyMac explaining the urgency of getting a payment made. The call turned into a 3way call with Insurance Agent on the line. PennyMac was given an overnight address to send the payment to and instructed a payment needed to be sent overnight to prevent Insurance Policy cancellation. 
Then on XX/XX/22 our Insurance Agent reached out saying payment still hadn't been received. We called PennyMac again asking where the payment was. They informed us it was snail mailed on XX/XX/22 and would take 10 days to get there. 
Then on XX/XX/22 our Insurance Agent reached out again saying payment still wasn't received. So, we called PennyMac again asking for confirmation on check info to Insurance. We were then informed the payment was actually mailed on XX/XX/22 via Ground shipment and would take 10 days. Because of all the conflicting information, we asked to speak to a manager. Every excuse was made to not transfer us to a manager at PennyMac. During this phone call we were told every action would be taken to get a payment out overnight. 
On XX/XX/22 our Insurance Agent reached out saying payment still wasn't received. We then proceeded with a 3-way call to get PennyMac on the phone. PennyMac failed to get someone on the phone who could help us and even hung up on us when we were trying to explain the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is withholding a refund that was issued in XX/XX/2021 ( attached ). The reason I was given is that the transaction in question states the item was delivered, based on a photo ( attached ) that shows the merchandise leaned against a brick wall. That could be anyone 's house. The items in question were not delivered.. XXXX XXXX has validated that at least 6 times and issued a credit for which Capital One is not releasing. Also the drivers log provided does not state the items were delivered, it states the anticipated delivery is .... see CFPB complaint XXXX. It also seemed to me that once the bank issued their response, that was it, as if the claim had not truly been investigated. Very disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have a furniture store and use a Pos system. The company I use is Square. I recently had a customer staging his houses and processed the transactions throughout the week. Square red flagged it and sent me a questionnaire. It resulted to deactivating my account and holding my money hostage until 90 business days. Also, no phone contact was provided, everything was done electronically. I need the money to purchase new items as well with pay bills that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: LA

Complaint narrative:
On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX aka XXXX XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: LA

Complaint narrative:
On XX/XX/2022. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX aka XXXX XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

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