vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have been lied to now on a recorded line first was told it was a federal regulation they can not set up auto pay for me over the phone. 2. Was promised a cashiers check would be sent to me at my current address. ( It was not ) 3. Was promised my payment would be applied for next months payment without issue ( was not ) then got a call from their collections department saying I was past due. I have been lied to and deceived by US Bank so many times I can not take it anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/22 and XX/XX/22, I contacted EXPERIAN via phone to initiate a dispute of inaccurate and incorrect information reporting on my consumer report. I noticed EXPERIAN is reporting " charge offs. '' Charge off is defined as gross or ordinary income and should not be reported on the consumer report, or file. After the first dispute, I asked for the results of their investigation since the accounts came back as verified or updated. I have not received a copy of the investigation. I disputed them a second time stating the accounts are reporting inaccurate information and EXPERIAN is willfully neglecting to delete an account they can not verify. I instructed them to delete former names and addresses and they have failed to do so, the inaccurate information remains on my consumer report. I have also instructed EXPERIAN to delete the XXXX account as they have failed to provide me with sufficient documentary material to validate this alleged debt, they have failed to delete this account as well. EXPERIAN is civilly liable for willful and negligent noncompliance with the federal law, pursuant to 15 USC 1681 n & o.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Avid Acceptance, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX I bought a car at XXXX XXXX XXXX XXXX XXXX XXXX. I made my monthly payments on time. Then XX/XX/XXXX, the car broke down on the side of the road. In a matter of three days, I had to pay a little over {$2800.00} to service and repair the car. I called Avid Acceptance, the financer, and explained that I would not have my car payment on XX/XX/XXXX because I used every cent I had to get the car working. They told me that they could not help me. I made the following payments : XXXX XX/XX/XXXX XX/XX/XXXX {$460.00} {$0.00} XXXX Completed XXXX XX/XX/XXXX XX/XX/XXXX {$420.00} {$0.00} XXXX Completed I had one scheduled on XX/XX/XXXX but was unable to make that one. Now, Avid Acceptance says that I need to make two payments. They are refusing to accept one payment on XX/XX/XXXX and another payment later. My new payment is due XX/XX/XXXX. They say because it is so close to the new payment they must have both. Is it legal for them to not accept my payment?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ

Complaint narrative:
I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Additionally, this was a business account from the looks of it and this company has found my personal social and put it on my credit report which is a violation Pursuant to 15 U.S.C. 16921692P. This is a fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I placed an ad on XXXX to hire a web developer. I was contacted via email by a person who claimed to be an employee of XXXX XXXX XXXX. He provided links to his supposed projects that he had worked on, along with social media accounts that he supposedly managed. We scheduled a call and he created an outline of items that he and his team would work on. They were to redesign my website, revamp my social media accounts, and take on an ongoing project for me. ( Ongoing project is a membership group for ladies that offers weekly workouts, monthly meal plans- needed a graphic designer to format the PDFs for me ). 

He then created a quote, a timeline, and sent me a secure link to pay the deposit to get started. I paid {$4000.00} but felt uneasy about it for some reason. A few days went by and I hadn't received any information about next steps, so I contacted him and told him that I didn't like the process thus far and wanted a refund. He asked to give him until Monday ( XX/XX/14 ) to submit website mock ups to me. Again, something did not seem right, so I went to the XXXX site and initiated the online support chat. XXXX XXXX, a senior consultant for XXXX, answered the chat and I briefly told him what was going on. He told me that they had fired the person I was working with, XXXX XXXX, and that he has created a fake website - XXXX and has been stealing people 's money for some time now. 

XXXX has been impersonating the company and even has a XXXX page offering web services. XXXX advised that I contact my credit card company and file a dispute. I filed the dispute along with 50+ pages of supporting evidence. During this process, XXXX XXXX offered to give me a 40 % partial refund. I only agreed because I figured that I could at least get some of my money back while waiting on the dispute decision. During this entire time, I received no goods or services. Absolutely nothing. 

Barclay just contacted me to let me know that they're closing the case in favor of the merchant- which is not even a real company!! I had called several times during this process to get updates, and they would not provide any updates. I was almost always routed to a call center and the call center refused to transfer my call to a supervisor. I have been hung up on numerous times. Now I am out {$2600.00} and Barclay refuses to take any further action. This is outright theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item ofinformation, 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 reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
One main financial keeps increasing a loan that was already discussed. The continue to have a collection agent contact me posing as an XXXX and threatening me with jail time. One agent called to try and settle the debit after garnishing my full unemployment payment causing my bank account to reflect a negative balance. I had to call and report them after a week they called stating I needed to pay them {$3500.00} on a {$1200.00} loan or they would legally seize my car and bank account. After I spoke with unemployment they were forced to return the money to my account and called me again asking me to pay {$3000.00} or a lawsuit would be filed. Days later they sent multiple emails and phone messages with different amount I need to pay each time increasing it saying they would add {$100.00} interest every week I didn't pay. After asking them to stop harassing me they have kept updating my credit report stating this was a new debt which it has been over 7 years so it remains on my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: PA

Complaint narrative:
Please remove the following accounts they are violations of 15usc 1681 602a. I have a right to privacy. 15 usc sec 604a section 2. Furnishing transactions without my written consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX saw me twice in early XX/XX/XXXX, in part for XXXX XXXX  symptoms. They billed me {$330.00}, after insurance adjustments, on invoice dated XX/XX/XXXX, which I began paying on a monthly basis starting on due date of XX/XX/XXXX XXXX XXXX acct # XXXX ). 

Despite XXXX receiving monthly payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of at least {$50.00} each, XXXX sent my account to collections with Prince Parker & Associates with zero warning or notice, and I was contacted by this debt collector on XXXX. The bill was paid in full to XXXX on XXXX, and yet I still received a notice via mail from Prince Parker & Associates dated XX/XX/XXXX. 

XXXX provided no documentation as to requiring payment within a specified period, does not state anywhere on the bill, or at time of service, a policy of sending accounts to collections after X period of time, and never reached out to me prior to taking this unwarranted and damaging financial action. If this is not illegal in itself, I find it highly unethical and predatory for a medical practice to take such action on an actively-paying account, and without contacting the patient at all. Disgusting, and will never use their services again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
This started XX/XX/XXXX, unable to make my XXXX payment due {$290.00}, after talking to them the autobill pay would be stop and I would let them know when to resume. By the time the money was returned to me, I contacted them, since it was close to the next payment, I ask could I just pay XXXX and XXXX together, they said OK and stated to me there would not be a late charge or fee as long as it was paid by XX/XX/XXXX. So, on XX/XX/XXXX. I walk into the Bank and paid with cash. What was done when they processed the payment they took the first {$290.00} and applied {$190.00} interest, {$100.00} to principle, and the second payment of {$290.00} was all applied to interest. which is not correct. Note autopay had not been restarted as far as I knew. at that point they have XXXX payment total. So I notified my bank, show what was going on. they reversed the charge of {$290.00} to me. which made the account current and they would not get any more than they were supposed to. Before my next payment became due for XXXX I received a notice about and additional {$20.00} added to my account because a payment was reversed back to me from my bank. Which made my balance due for XXXX $ XXXXThey stated to me I did not verbally tell them to totally stop the auto-pay. I was also told that once I paying the {$290.00} plus the {$20.00} late fee, which total {$310.00} any other fee would be removed and I would be current I then can resume my regular payment. that did not happen Between XXXX and XXXX the fees were applied back to my account. I received phone call from their collection department. I put in several disputes where management I have been charged {$20.00} per month late fee totaling over {$120.00} up this point. after I constantly stated, '' Im not paying any late fee or extra fee on this account. I paying my regular car payment each month. Another collection agent XX/XX/XXXX told me to go into my branch have them put in a internal reversal of the {$590.00} and then applied it properly and remove all the fee. They did a reversal but the payment is not applied properly. ( that number is on the activity sheet dated XX/XX/XXXX. this is in their handwriting from the bank. Some of my payment disappeared you can see 2 months in a row on the account activity sheets. Last Wednesday I have been referred to their escalation department and spoke to and individual by the name of XXXX who stated to me that she request the fees to be removed and it would show almost immediately, that did not happen. Looking on their website Last payment paid on XX/XX/XXXX which is my XXXX payment and my payment due by XXXX XXXX is {$410.00}. I also made a complaint to the XXXX XXXX of XXXX XXXX for assistance, they have tried several time to contact them with no response back, I now referred to you for assistance, Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation