vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: MI

Complaint narrative:
I recently filed a dispute with CFPB regarding NCC business Services reporting incorrect amounts on my credit report as well as re-aging the dates on my credit report. I also stated how NCC business service refused to respond to my validation request that was sent to them by certified mail. NCC responded stating that they reached out to the landlord and stated incorrect dates that were supposedly given to them by the landlord and that they did respond to my validation request which is also untrue. In my dispute I provided a copy of a civil judgement that was discharged listing a date and amount that is different from what NCC is reporting. According to the FDCPA a collection agency CAN NOT verify a debt only a creditor can. Im requesting that CFPB submit proof that original creditor verified the  accuracy of their reporting amounts and dates. NCC also claimed that I broke my lease in XXXX of 2013 but on my credit report it has an expiration date of XXXX of 2013. NCC stated that they in fact responded to my VALIDATION letter in which I attached a certified mail receipt proving that my letter was sent and received. Its only fair that NCC attach proof that they in fact sent me a response letter as well as a copy of the validation letter that was supposedly sent to my address. Im also requesting that NCC also submit proof that I gave them permission to even contact me regarding this alleged debt. Im also requesting proof that I gave NCC business services permission to use my PII to establish an account on my behalf-which can be a form of identity theft. i did send a copy of my drivers license and social to NCC which was after they placed this negative information on my credit report and created an account in my name without my consent. Im also requesting proof that NCC provided me with a 30 day notice before placing the alleged amounts on my credit report. NCC is not only violating my rights and the laws within the FDCPA but have caused me tremendous amount of stress but had also caused my credit to be damaged. I also request that instead of NCC sending me the proofs that Im requesting I would rather they attach with their response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
Why has USAA not started making payments to the members that they violated banking laws with yet? I was a USAA customer for over 10 years and left because of their shady practices. The lawsuit I read in January said they are due to make restitution payments, but so far NONE have been mailed. Why is this tailing so long? Because of them, I have had to start completely over with my finances. They lost in court. Enforce the law, it's what you're there for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
On XX/XX/2017 XXXX XXXX added {$4.00} to my Monthly lease payment without my Knowledge, when I called them on XX/XX/XXXX when I noticed a late charge of {$9.00} on my Monthly recurring Bill payment. 

XXXX XXXX Representative told me that was sales Tax added by the State and I needed to contact the state but {$4.00} will be added to my bill increasing it to {$510.00} per month verses {$510.00} which was the contracted Lease Agreement. 

This is a breach of contract and I do not feel that this sales Tax increase should be passed onto the consumer, I have never seen a car lease change on a contracted agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
i have 2 errors on my credit report I paid in full the balance 's of three account 's from XXXX XXXX XXXX XXXX on three dates XX/XX/XXXX of {$140.00} and then XX/XX/XXXX of XXXX XX/XX/XXXX of {$21.00} they won't take the two remaining accounts from off my credit report and of XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
This reported debt has been removed from my credit report numerous times as it has been found to not be my account. This company must have purchased the debt again and are refusing to provide me proof that this debt is mine. I have never been to this medical facility. I have disputed this through the credit bureaus but they have failed to provide me that proof and only list it as verified. This account is not mine and I have no contract with debt recovery solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I use a Chase credit card, every month I call in to make a payment. After making the payment I remove my payment information from the account. Three times they have failed to remove my banking information after stating they have done so. 

The last request was on XX/XX/2018 in which they sent a letter stating the information had been removed. 

On XX/XX/XXXX I made another payment to my Chase credit card in which the information remained on file and the account information ( last four digits of my credit card number ) was provided to me by a Chase agent that was not located within the United States. 

I requested a manager, was transferred. I reported the regulatory error to the manger. They apologized for the mistake, refused to give me information to contact any government regulatory bodies that credit card companies report to. Refused to take note of this information to report it up the chain to provide me the information. Instead the manager was only willing to give me the address for an internal Chase complaints department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA purports itself as a members institution. However, their unwillingness to recast a simple loan has lead me to go through their reapplication process. My credit score, is likely the exact same as last time, yet, they have marked their rate up to a predator 6 % increase on the previous loan. When asked for a reason why, the representative cited only the credit score, which has been fairly static, and is a decent #. They made no mention of market conditions, fed funds rate, or anything else. This leads me to firmly believe that USAA is now engaging in predatory lending as defined by applicable state law. I can not imagine the utter loan shark-ish practice they must be doing to others who have a lower score than mine. It is this disparate treatment, that I find to be Unfair, Deceptive, or Abusive Acts or Practices that needs to be examined by the OCC and FDIC as it puts not only myself as a customer at a risk, but also a reputational risk for the institution putting every members funds and livelihood in jeopardy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: CT

Complaint narrative:
I sent a letter to Williams & Fudge Inc about a collection on my credit report on XXXX. The company received the letter on XXXX and have failed to validate the debt in the 30 day time frame or mark the debt as disputed so i sent the company a second letter on XXXX which they signed for on XXXX. I have still not received any response to either of my letters and the account has not been updated to the disputed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
MIDSTATE COLLECTIONS, {$1900.00}. I have disputed this amount 2 times and have been unsuccessful. I was notified that i have this collections and when i called into the original debtor ( XXXX College ), they were unable to locate me or my account in their system. They are unable to search my name via social which is a red flag to me. i request that this collections account is taken off my credit report as it is affecting me tremedously. 

I have disputed this about 3 times with each bureau but it still appear. Please remove this from my credit report as it is incorrect and unacceptable. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
I got a Credit card with XXXX XXXX on XX/XX/XXXX. Only to get {$15.00} off of my purchase and I gave them the cash for the item so I wouldnt have to pay anything off on the credit card. I was confused the first time to have a payment which is why I paid it late, but when I did pay it I had the customer service with XXXX XXXX tell me the full amount I owed, then I paid it off in full and had her close my account on XX/XX/XXXX. There is absolutely no reason why I should owe them {$210.00} when I paid off the amount I owed and closed the account because I used he card only that one time when I first got it. I dont have money to pay for something I shouldnt owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
I have repeated advised these people to stop calling me. They continue to keep me on the robo calls and continue to call me every day almost twice a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I Recieved a Wage garnishment for this credit card account on XX/XX/2018 that i did not open and was a result of identity theft. This company took out {$1000.00} from my check and i would like my money back. XXXX XXXX XXXX-ACCT XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX is reporting the same XXXX account debt twice and after numerous attempts to have one of the duplicate debts removed they refuse saying that the accounts are accurate but, they are duplicate accounts with the same company they refuse to remove 1 of the accounts which is a duplicate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I have repeatedly asked this hospital to remove my number from their robo calls. They continue to call everyday, twice a day.

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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an XXXX report had been file and it's attached to this complaint, a police report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am going to pursue legal action I have not received a response to this computer generated message I am trying to access my funds and when I link a new bank card and new bank account it says cant link and contact support. But when I contact support they tell me to link a new bank card and new bank but I assume theres a restriction on my account since its closed I am trying to retrieve my funds and I need my account and routing number linked to the XXXX XXXX account for this Cash App account so I dont continue to have this issue and I can stop ACH payments from coming to this account someone needs to really examine this!!! 

My name is XXXX XXXX Cash tag $ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: Innovis
State: NY

Complaint narrative:
My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a police report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers and opt me out of your systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a dispute on XX/XX/XXXX with transunion about mistakes made by lenders and the delinquency was removed XX/XX/XXXX. However the credit scores are not corrected for the months since last XXXX when the mistakes were made to XXXX when I filed the dispute. And transunion agent told me the reason they don't correct the score of the previous months because the lenders don't look up the history records but only the current one. First time to hear that lenders only look at the current credit score when you apply credit or any kind of loans. Actually my credit card company drop my credit limit by {$6000.00} because of the negative credit report and I can't get back the original limit even the current credit score is back to good. Please indicat transunion about credit score correction. If you made mistakes on the credit reports you have to correct all the mistakes you made, not just for one current month. Otherwise I will be seeking damage here.

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 2019-03-01 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I deposited {$300.00} on my XXXX Credit Card with Barclay Bank on XXXX XXXX, the payment was received into my account on XX/XX/19 but a hold was placed on the funds. I am not able to use the funds that I need for purchases, when I called Barkley bank they said they are holding the funds until XXXX XXXX because they do not know if my Bank ( XXXX ) may rescind on the funds? I told them the funds have already been taken out of my account but they still insisted that they will keep a hold on my funds until XXXX XXXX - I would like my funds released so I can use at will, I have never had funds held by a credit card company before and this does not make any sense whatsoever.

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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I requested a XXXX file on ne and I found a name tgat has never been mine and an address. 

I calleds XXXX  to correct these errors but no resolution.

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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Information used to verify identity over the phone is outdated, misleading, and an effort to discourage and deny a copy of my consumer report that I am entitled to. 

Specifically asking trick questions of what neighborhood I lived in 25 years ago and that is no longer on my report. The options were XXXX XXXX instead of XXXX XXXX causing me to fail that question. 

Asking the specific amount of a current loan that was financed within hundreds of dollars apart making it difficult to say with out having a credit report in front of me causing me to fail that one. 

Asking about a county I lived in in XX/XX/1989 ... 30 years ago Who do I know that lives in a city I have never heard of. 

This outdated, misleading, and trick questioning is unreasonable and causes an undue burden. This is considered to be done willingly and with malice.

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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, and I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. 
I contacted the Companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

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 2019-03-01 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: LEXISNEXIS
State: NY

Complaint narrative:
My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a police report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers and opt me out of your systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: ID Analytics, Inc.
State: NY

Complaint narrative:
My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers and opt me out of your systems.

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 2019-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
I obtained loan and used car title as collateral. I purchased new vehicle unrelated and now can not get rid of original car I used as collateral because of lein. Vehicle is not operable and lender will not release title. I am now stuck with responsibility of vehicle that doesn't even run and lender is refusing to help

Company response to consumer: Closed with non-monetary relief