vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Strategic Alliances, Inc.
State: NJ

Complaint narrative:
I received notice from XXXXXXXX XXXX XXXXXXXX regarding a debt that I did not recognize and filed an identity theft case with FTC on the identity theft website and sent a letter of validation to XXXXXXXX XXXX XXXXXXXX on XX/XX/2022. On XX/XX/2022 they requested a default judgment and did not comply with my letter within 5 days and continued to collect the debt and sue me. I did not receive any validation so I sent a second letter of validation dated XX/XX/2022 and specifically stated that they should send me everything in writing and to stop all phone calls. XXXXXXXX XXXX XXXX continued with the case and filed for a summary judgment on XX/XX/2022. On XX/XX/2022 they continued to call my phone and left a voicemail message to call them which violated my cease and desist letter regarding phone calls. On XX/XX/2022 I received a notification from XXXXXXXX XXXX XXXX which included information about the debt which I disagree with so I filed an objection to the summary judgment on XX/XX/2022 and oral arguments will be heard on XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

Account opened XX/XX/XXXX Estimated date of last payment XX/XX/XXXX As of XX/XX/XXXX the principal amount of {$11000.00} had been paid, remaining Principal Balance {$620.00}. Amount Due of {$140.00} Due on XX/XX/XXXX. 

As of XX/XX/XXXX the principal amount of XXXX had been paid, leaving a remaining balance of {$0.00}. Amount Due of XXXX. Due now. 

As of XX/XX/XXXX the was reporting payment overdue. Total amount Due. 

As of XX/XX/XXXX Total amount due is {$0.00} The full balance was paid in full as of XXXX. I was never late on any payments. I called to check the status on my title and was told I had a balance due of {$130.00}. I ask for them to mail me out a Invoice to reflect the amount due, this was agreed upon, so I waited and waited and waited, nothing was ever sent. I called over 20 times to figure the balance and to get something in writing, with no resolution. Why would I pay the loan completely off to then start missing payments, this doesn't make any sense. 

As of XXXX XXXX as 60 day past due alert was given and said that I owed {$300.00} pay by XX/XX/XXXX. I simply ask for a bill or something explaining this amount, but I was told there was not anything they could provide to me in writing. I expressed my concerns and ask if it could be something unofficial but I was never provided anything in writing and I was ask to pay the amount and dispute it later. I made a payment of {$130.00} on XX/XX/XXXX. My credit dropped XXXX points as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I the consumer Demand you cease and desist pursuant to federal law 15 usc 1692c ( c ) I demanded the debt collector cease and desist reporting inaccurate information on my credit report I have 20 accounts 18 open and 2 closed also hard inquiries on my account and its fraudulent you are in violation if you continue to report anything without my consent you do not have a permissible purpose to report this info pursuant to 15 usc 1681b. After Ive sent you a letter and filed a complaint stating this.

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 2022-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Access Credit Management, Inc.
State: SC

Complaint narrative:
I ask for a credit report, which I received. I noticed I had a collection from Access Credit. on XXXX XXXX I called Access Credit RE : XXXX XXXX for {$62.00}. I paid over the phone with XXXX XXXX XXXX and ask him to take this off my credit report, he stated he would. XXXX XXXX 's phone number is XXXX located in XXXX XXXX, Arkansas .This account was paid by my checking account from South Carolina XXXX XXXX XXXX XXXX 
I would appreciate if you could help me resolve this matter. The reason this happened and I fell way behind my XXXX XXXX away. 

Thank You, XXXX XXXX XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
New Creditior : CREDIT MANAGEMENT LP Last reported : XXXX XXXX, XXXX {$1200.00} Open balance XXXX XXXX XXXX  : Original creditor Opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status : Open Type : Responsibility Individual Remarks : Placed for collection Original creditor name : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Equifax continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following closed account. ( Account Name : Unknown ( Not Given By Equifax ) ( Account Number : XXXX ). Ithey received certified letters from me to them more than over 40 day ago stating my dispute, They fail to even notate that a dispute was even submitted. This account inaccurate and unverified Equifax refuses to comply with the removal. This information is erroneous and against the law. I demand it please be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX have all 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX have all 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 an account without my written instructions

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 2022-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
The online banking Current offered a {$500.00} sign up bonus, that is why I signed up for it. I was on my app XX/XX/22 and put the code in for the {$500.00} and it was accepted. I contacted them that day by email and they asked me where I got it and I am pretty sure it was XXXX because I just screenshot it so I would have it. I sent them both screenshots that I have and they still have not responded back to my email. The 2nd time was in a chat through the app and they said they were not going to honor it. Which I am very upset about because the code was accepted and they should have to honor there words. I counted on this money, thats the whole reason I signed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I the consumer Demand you cease and desist pursuant to federal law 15 usc 1692c ( c ) I demanded the debt collector cease and desist reporting inaccurate information on my credit report I have 20 accounts 18 open and 2 closed also hard inquiries on my account and its fraudulent you are in violation if you continue to report anything without my consent you do not have a permissible purpose to report this info pursuant to 15 usc 1681b. After Ive sent you a letter and filed a complaint stating this.

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 2022-05-01 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: GA

Complaint narrative:
I the consumer Demand you cease and desist pursuant to federal law 15 usc 1692c ( c ) I demanded the debt collector cease and desist reporting inaccurate information on my credit report I have 20 accounts 18 open and 2 closed also hard inquiries on my account and its fraudulent you are in violation if you continue to report anything without my consent you do not have a permissible purpose to report this info pursuant to 15 usc 1681b. After Ive sent you a letter and filed a complaint stating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX and XXXX Account # 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 2022-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In accordance with the fair reporting act XXXX  account # 's XXXX XXXX XXXX {$180.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$98.00}, XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXX {$4800.00}, XXXX XXXX XXXX  XXXX {$5000.00}XXXX XXXX XXXX XXXX  {$160.00}, XXXX XXXX {$2200.00}, XXXX XXXX XXXX$0.00}, XXXX {$0.00} XXXX has violated my rights. 

15 USC 1681 section 602 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 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Society Business Services, Inc.
State: CA

Complaint narrative:
There is a collection account on my credit files that is fraudulent and currently reporting by XXXX XXXX. This account XXXXX {$220.00} is reporting on my report via XXXX XXXX. I have attached the FTC Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AZ

Complaint narrative:
IQ Data International, INC Account : XXXX I never had any contracts, businesses or anything to do with this company, They claim that I owe them {$9800.00} and that they validated the account which is 100 % a BIG lie. Show me that I had a legal contract with YOUR company otherwise by law you have to delete this from my credit report. I know that you can't prove it because you know very well that I've never had an account or any legal contracts with you. Therefore you have 20 days to delete this from my credit reports that you ILLEGALLY and without my consent had reported to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I went on the modified repayment plan with Sallie Mae in XXXX of XXXX. Shortly after the COVID-19 pandemic broke and I only received 3 months of forbearance. When I tried to ask about options as I had lost my job in live entertainment and I had to get a new job where I received significantly less money, I was told there was nothing they could do to modify the amount I was paying. I continued to struggle through these payments, but I payed my loan amount each month despite encountering times where I was left with {$20.00} to my name for a full week. 

In XXXX of XXXX, my time of the modified repayment plan was up. Unfortunately I was also dealing with the deterioration and slow death of a close family member which, as any normal human being with a sense of empathy knows, requires unpaid time off. I called Sallie Mae to try to get in front of the problem, and inform them that not only was I dealing with this incredibly stressful event, but wasn't making enough money to pay the full amount of my loans. I was consistently cut off by the customer service agent who was " helping '' me and told there was nothing they could do. I was told, as someone who does not make enough money and is currently dealing with stressful personal issues that will and continue to effect me financially, I don't qualify for any benefits through Sallie Mae. 

I was told that, to qualify for any benefits, I would have to make 5 qualifying payments ( the full amount each month ) which I made clear I could not pay. How is someone supposed to complete any qualifying payments to become eligible for a program specifically made for those who are struggling to pay their loans? 

As I audibly and uncontrollably started crying, I was put on hold because he figured that was the perfect time to update my account- despite not doing or achieving anything during our call. After being on hold for at least 2 minutes, the agent came back on the phone, told me he updated my account, and asked if there was anything else he could help me with. Of course, there was not- and it was clear there was absolutely nothing he wanted to help with as I was offered no other options or given any other advice, so he signed off, thanking me for 'choosing " Sallie Mae .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft ... I have supplied the credit bureau and creditor with the proof that I was never late and made all payments on time and the credit bureau and creditors refuse to remove the late payment which is a voilation 15 U.S. Code 1681i FCRA XXXX  XXXX with late payments to re appear on my credit report causing me personal injury. 
I have send multiple certified mail receipts on this matter over the course of the last 2 years. XXXX XXXX, XX/XX/2020, 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 2022-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I received a letter from American Express about a past due balance. We reached an agreement for me to pay 24 monthly payments of {$35.00}. My account would then be paid in full, my obligation fully met. I did so. For 23 of those months I made the payment faithfully at the same time every month. 
This last check which was due in XX/XX/XXXX was written, mailed out and returned uncashed by American Express. 
It was sent back to me uncashed, from American Express, to tell me my account was no longer in that office. There was no other address to resend that check. 
Yesterday I received a letter from American Express that is from an office located in XXXX Texas that I now owe {$430.00} due XX/XX/XXXX. 
While I agree I still owe the uncashed amount of {$35.00} this is all I owe. 
I don't know whether to just send the check for {$35.00} or just wait to see what happens next. 
I have worked extremely hard to correct my credit. I do not want this to ruin it for me. 

Let me also state this is not the first time I had to deal with American Express like this. In XXXX I made a deal with them to settle my outstanding balance by making ( 12 ) $ XXXX  monthly payments. Let me state, this was my mother 's balance. American Express called me the day of her funeral. Not thinking right I agreed to open up a credit card to transfer the balance on to my name. I made the mistake and will accept it. 

I don't know what to do with this last payment I agree I owe but I refuse to pat an additional {$430.00}. 

I need your help and I really think you need to look into this company further. I can backup my payments showing American Express cashed my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Equifax and XXXX continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following closed account. ( Account Name : XXXX XXXX XXXX. I ( Account Number : XXXX ) .They received certified letters from me to them more than over 40 day ago stating my dispute, They fail to even notate that a dispute was even submitted. This account inaccurate and unverified Both refuses to comply with the removal. This information is erroneous and against the law. I demand it please be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Debt does not belong to me. As well In a n accordance with the Fair Credit Reporting act National Credit Systems is reporting a debt showing as ( XXXX XXXX XXXX XXXXXXXX XXXX ) that I do not owe, nor are they the original creditor. 

They have, and continue to violated my rights. 
In accordance with the Fair Reporting Act.

1.15 US.C 1681A -2 exclusions 2. 15 US.C 1681 section 602 A. States I have the right to privacy.

3. 15 U.S.C 1681 Section 604 A Section It also states a consumer reporting agency can not furnish a account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
The dealership charged me for my down payment on my XXXX XXXX I purchased in 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