vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was contacted by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, United States about a Personal Loan Account with USAA Savings Bank - located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX in the amount of {$3200.00}. 

There were repeated calls from a number that was not identifiable, and I finally called back. I spoke with an XXXX XXXX, who identified herself as being with XXXX XXXX XXXX - calling in regards to my USAA account - she wanted me to give her personal information. When I would only provide the year of my birth- she wouldnt divulge any further information. She wanted my home address in " XXXX, XXXX " This is in direct violation of the USAA contract. At no times can an Agent of USAA give XXXX portion of the members Personal Identifyable Information- which includes name, *any* portion of the full mailing address, or Social Security Number. By providing me the City in which I live, the agent violated my rights as a proud member of the USAA family. I confirmed these rights as soon as I hung up with XXXX XXXX with a member of the USAA Staff and asked him to document my file accordingly. 

I have fallen into very difficult times- which USAA is keenly aware, as I have multiple accounts with them. In addition, I was a collection manager for over 30 years, and am very aware of the FDCPA, and of the privacy laws that the industry is governed by. Just because XXXX XXXX has loosened THEIR standards, it does not change the fact that my rights were violated, and USAA 's policies were not administered correctly by the agent. 

I am very seriously considering taking legal action at this point with my attorney, as this can not possibly be a random act by either this agent- or the company. I strongly suggest that USAA request every call from this agent for call monitoring, and from the group that handles these accounts as well - as management must have grown lax for such a privacy breach like this to occur. 

I am open to negotiating a settlement of this matter before legal action takes place - either USAA or a member XXXX XXXX management or legal team can contact me in writing at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or by phone at XXXX XXXX you must leave a message please, or call form a published number that identifies you - i will not answer blocked or private numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, XXXX and XXXX will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, XXXX, XXXX, and Transworld Systems to get the following medical debts under {$500.00} removed from removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... all Transworld XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reached out to XXXX, Equifax, and XXXX on XX/XX/XXXX asking them to verify these debts by contracts and signatures of mine I also sent them police reports they still haven't removed anything ( XXXXXXXX XXXX XXXX XXXX  ) {$1800.00} XX/XX/XXXX, bankruptcy XXXX XXXXXXXX XX/XX/XXXX, bankruptcy XXXX XXXX  XX/XX/XXXX, bankruptcy XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
This is in reference to complaint number XXXX that was closed before my problem had been resolved. I received the title, that I had been waiting on since XX/XX/XXXX, from Hyundai Motor Finance but their title department recorded the wrong mileage on the title. So I called them on XX/XX/XXXX, when I finally received the title, to let them know that I now need an affidavit of correction for their error of the mileage. I was told it would take 3 to 5 business days. I have now been waiting XXXX business days and they just told me it is still in process. I have spoken to three or four supervisors and they tell me it's been escalated. But I'm still waiting on the affidavit. In the mean time we have retailed this car to another customer and still can not get Hyundai Motor Finance to resolve this issue. I have been lied to countless times and my issue still has not been resolved. Until I get an affidavit of correction for the mileage on their letterhead this issue is still pending. I paid off the vehicle back on XX/XX/XXXX, received the title XX/XX/XXXX with a mileage error recorded on the title by Hyundai Motor Finance. And we still can not process the sold vehicle because Hyundai Motor Finance can not do the right thing and escalate and resolve this problem. We just need someone to type an affidavit and XXXX  it, that's it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XX/XX/XXXX My divorce was settled and the judge stated my ex-husbands name must come off the XXXX XXXX and XX/XX/XXXX was the deadline or it would go on the market. At the time that seemed like plenty of time to me and I never thought I could be at risk of loosing my home. 

XX/XX/XXXX My ex and I filled out all the paperwork and were told we would not have to re-finance that there we be an " assessment '' of the condo and a " processing fee '' and his name would be removed. 

XX/XX/XXXX the Assessment finally came in and I got it XX/XX/XXXX. I was told late XXXX I needed to gat a XXXX Deed and send in a {$900.00} processing fee and his name would be removed. We would be done. So I had an attorney draw it up and both I and my ex had it notorized. Then I took it to the court house and filed it with the county clerk. XXXX XXXX is no longer on the deed to my condo. 

On XX/XX/XXXX I overnighted the XXXX Deed and a {$900.00} XXXX XXXX XXXX and sent it certified mail. 

XX/XX/XXXX The Mortgage company signed for the package. 

XX/XX/XXXX XXXX deposited the check. Then passed my file to a new mortgage handler. 

XX/XX/XXXX I called to ask for an update on the name removal and they informed me they sent EVERYTHING including the check to the new mortgage handler and I would have to start from the beginning with them. 
XX/XX/XXXX XXXX in the XXXX Department told me 2x that the load was modified and that the name would come off within 7-10 business days. I explained to XXXX that I had to report back to my attorney a timeline due the the XX/XX/XXXX deadline and he assured me it might not be the first but it would be close. 

XX/XX/XXXX XXXX in Modification Department says the modification is not complete as they need the XXXX Deed. And that there is a 3 month trail before the name comes off. 

XX/XX/XXXX XXXX in Modification Department lets me know there is 60days after the trail is complete. Each time I report back to my attorney and the witholding of information is really hurting me! 

I typically call every Monday, Wednesday and Friday since XXXX and we are now in to XXXX. The new handler took until 2 weeks before my deadline to tell me me there would be a 3 month trail period then 60 more days. They never mentioned any of this in all of the many many many calls and e-mails. There was never a chance of me making a XX/XX/XXXX deadline. Everyone knew it every time I spoke to them and nobody told me. 

Since there was a judgement involved I had been keeping my attorney updated weekly and they are upset also at the treatment I have been getting and urged me to lodge this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Currently behind on rent due to compromised immune system and XXXX. Business is in violation of SB91 which is in effect until XX/XX/XXXX. XXXX XXXX 

I had XXXX XX/XX/XXXX, expected to have another XXXX within the next 2 month and I have XXXX XXXX XXXX XXXX XXXX 

My daughter has an XXXX XXXX XXXX which would cause  XXXX  if evicted from our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I HAVE JUST NOTICE THIS INACCURATE ACCOUNT REPORTING ON MY CREDIT REPORT AS OF XX/XX/2023. I HAVE NOT AUTHORIZED ANY OF THESE INQUIRIES OR ACCOUNTS DEOGRATORY OR IN COLLECTIONS. AS IAM IN THE PROCESS OF PURCHASING A HOUSE AND THIS IS STOPPING AND SLOWING THIS PROCESS. I WOULD LIKE FOR ALL INACCURATE INFORMATION TO BE REMOVED FROM FROM COMSUMER REPORTS N CREDIT BUREAS ASAP PERMANENTLY AND INDEFINITELY! THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Self Financial Inc.
State: GA

Complaint narrative:
on XXXX and XXXX of XXXX a " software company '' called Self.Inc stole {$2800.00} from my bank account. 
They processed it through XXXX as a 'self pay ' event. 

Upon considerable research, I found that Self.Inc is a 'credit repair ' service, that I did not use, apply for, ask for, or even need as my credit score at that time was a reputable XXXX. 

Self.Inc stole from me, and only when I disputed the charges with XXXX XXXX did I receive my money back. 

Self.Inc apparently causes this problem so often that the 3rd option on their voice mail system is to report fraudulent theft. 

Here are the line items from the XXXX of XXXX from my bank account : XXXX Recurring Payment authorized on XX/XX/XXXX Self Lender XXXX XXXX TX XXXX Card XXXX XXXX XXXX Recurring Payment authorized on XX/XX/XXXX Self Lender XXXX XXXX TX XXXX Card XXXX XXXX XXXX Recurring Payment authorized on XX/XX/XXXX Self Lender XXXX TX XXXX Card XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried every month over the last year to get these accounts that do not belong to me removed from my credit reports, they keep saying " verified '' and then when I ask how it was verified I get no response and start the dispute process over again. I have supplied definitive ( signed and/or notorized contracts ) proof that these accounts do not belong to me! If they are not removed voluntarily I will be forced to proceed with legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: GA

Complaint narrative:
In XXXX, my identity was stolen and used to file taxes and in XXXX, my identity was used to apply for loans, credit cards, and only XXXX knows what else according to my knowledge. As I'm not exactly sure who nor when, I can only assume it's due to the XXXX web and also when my personal information was auctioned off in a storage unit that I lost in XXXX. I immediately placed an initial fraud alert on all 3 of my credit files with all 3 major credit bureaus. I then signed up for credit monitoring and I have filed an ID theft affidavit and a police report. Your help would greatly be appreciated to resolve this issue. As you well know it is a violation of the FCRA to report erroneous information and accounts without original contracts with signatures. I ask that you validate these debts fully so that this issue XXXX be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: First Technology Federal Credit Union
State: TX

Complaint narrative:
Received a letter about an overdraft on an account at a bank I do not know

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: KS

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: CA

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. 
Collections Account Name : 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 right.

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 2023-01-31 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: CA

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. 
Collections Account Name : 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 right. 
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 2023-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Dear CCB/CHILDRENS PLACE ; I was shocked when I reviewed my credit report and found late payments on the dates below : IN 2022. 



I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being XXXX with XXXX, XXXX XXXX XXXX XXXX XXXX  lately, and loss of XXXX, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
I opened a credit card while in XXXX. I made the most payments I could under my federal work study program. The credit card company, I also moved around and got bills late. Finally when I got the bill they wanted the entire amount which I could not afford being that I was still a student. I moved around again, by the time I got the notice there was a default judgement. Wages were garnished for several years and the account was transferred several times to different attorneys. I finally made a settlement offer after loosing my job for the amount of XXXX that was paid with a cashier 's check from my bank and sent to XXXX XXXX XXXX and they agreed to it and cahsed the check. They never sent me a letter that the debt was settled after calling them several times and I was told by their representitive I owed them nothing. Almost seven years pass and now I am getting another debt collection from the offices of XXXX XXXX, XXXX ( Same case steming from the XXXX XXXX XXXXXXXX XXXX  ), and it continues to be passed around even after debt was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: CA

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.

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 accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have Violated my Rights 15 U.S.C 1666 CORRECTION OF BILLING ERRORS 15 U.S.C 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORTS 15 US Code 1605 " Definition of a FINANCE CHARGE '' Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment 540 and installments 15 US Code 1635 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 non-monetary relief