vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Debt Mediation, Inc.
State: NC

Complaint narrative:
Hi my name is XXXX XXXX and Professional Debt Mediation Inc bought this Debt from a apartment complex that is a dissolved llc in n.c.2, Professional Debt Mediation Inc is representing that they are a attorney this is false.3, I was never notified of said Debt or given notice that I could dispute said Debt before they started reporting it to credit agencies. 4, I moved from apartment complex XX/XX/2020 during covid and was never offered a repayment plan on the correct amount I owed or offered any kind of repayment plan.5 the amount that is being reported is fraudulent and I have proof.6, when I disputed said Debt with credit reporting agencies Professional Debt Mediation Inc was reporting that this was alone my debt after I disputed they started reporting that I owed this and my husband owed this, his name isXXXX XXXX .7 this was a illegal eviction and as I said the amount being reported is about XXXX to XXXX more than I owe. Also there were charges for late fees which were illegal in the state of n.c. and selling this Debt without offering a repayment plan is illegal in n.c.. I have proof of the security deposit not being taken off and that we paid half of the last month 's rent upfront. I have receipts from the amount we paid down and I have proof of the amount social services help pay down. I also have proof of how the apartment manager of the complex who goes by several different aliases which is one reason why this hasent went to court yet, violated nc law and federal law in regards to every complaint I have stated. Among many other.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2021, I reported a fraudulent hard credit inquiry to Equifax ( XX/XX/2021 XXXX XXXX  ). The next day, Equifax responded, " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' It made no attempt to investigate the fraudulent nature of the inquiry or remove it even though it affects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Westlake Services, LLC
State: NV

Complaint narrative:
For the last three years I've been making payments to a company called Honor Finance through a wage garnishment writ. 25 % of my bi weekly checks have been getting drawn out of my account, which in total is {$9400.00}. I sent a cease and desist letter out to XXXX Corporate Offices, as well as the Office Of the Ex Officio ( Whom are enforcing the garnishment ) on XX/XX/XXXX of XXXX to advise to no longer withdraw money from my account. My Garnishments started in XXXX of XXXX and are still going til today. I paid over market value and when I contacted the Lawyer on the case and he advised that my payments should have stopped in XXXX of 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 2021-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am a small business owner who qualified for the sba eidl loan. I received the loan last year with no problem in my personal account but I recently received the grant money and now there is a freeze on my account. I have submitted all the proper paperwork but my account is still frozen. This is the account that I get direct deposits from my job and pay bills out of. I don't understand why it's still frozen if I have completed all the necessary channels to provide proof that I qualify for the money. Plus it's grant money not the loan!

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The bureaus have had more than enough time and chances to comply with the law. So due to repeated and blatant disregard for the law, I have already filed complaints against your company and my attorney will be, within the next fifteen ( 15 ) days, filing a civil suit against them and for the maximum in punitive damages and fines allowable by law if this account is still unresolved. 

Please remove XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  XXXX  ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX  XXXX Account Number : XXXX, XXXX  XXXX  ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
To whom this may concern, I sent a debt validation letter to Jefferson Capital System on XX/XX/2021. In which I never received a response back, yet they are still reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: MS

Complaint narrative:
Account Name : XXXX  Account Number : XXXX Balance : {$9400.00} Late payment dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$87.00} Late payment dates : XX/XX/XXXX and XX/XX/XXXX I do not recall being late in those months. I remember receiving my statements late for the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
This is a follow up to my complaint I made last year ( XXXX ). Hyundai Motor Finance did the same thing to me again this year. My bill went up by {$2.00}, but the auto bill pay didnt adjust until a month later, leaving me with late fees.

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 2021-08-07 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: CA

Complaint narrative:
The bureaus have had more than enough time and chances to comply with the law. So due to repeated and blatant disregard for the law, I have already filed complaints against your company and my attorney will be, within the next fifteen ( 15 ) days, filing a civil suit against them and for the maximum in punitive damages and fines allowable by law if this account is still unresolved. 

Please remove XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX  XXXX Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : 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 2021-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Account Name : XXXX Account Number : XXXX Balance : {$9400.00} Late payment dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$87.00} Late payment dates : XX/XX/XXXX and XX/XX/XXXX I do not recall being late in those months. I remember receiving my statements late for the XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ATG Credit, LLC
State: TX

Complaint narrative:
I defaulted on a student loan from XXXX back in 2018. The debt has been sold to multiple collection agencies since. The Most recent collection agency trying to collect the money, in amount of {$6000.00} is ATG Credit. They refuse to provide any documentation of my signature that I signed a contract/promissory note/financial instrument with ATG collection agency. They are reporting a collection account listed across all credit bureaus ( XXXX XXXX, and XXXX. ) I do not owe ATG money. I have never signed an agreement to repay a loan with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I previously had an auto lease with JPMCB. The car was totaled due to an accident, therefore the lease ended in XXXX of XXXX. JPMCB is still reporting this account open. There is no longer a car being leased under this account, therefore the account is CLOSED. Also, the previous monthly payment is being reported incorrectly at {$1300.00}. The previous monthly payment was {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One credit card account was removed from credit file back in XXXX of XXXX in error. Capitol One has reinserted the account to all three credit bureaus XXXX XXXX and XXXX is the only credit file that my account is not reporting to. This continues to go back and forth Capital One says contact XXXX XXXX says contact Capital One credit card services this makes no since I am the consumer I have been paying a bill for a credit card account that does not reflect my credit that is in good standing. I need assistance with this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I just sent a recent police report to Chex Systems for the fraudulent and unauthorized credit inquiries listed on my Chex Systems Consumer Report ID : XXXX, the following Reported Information and Inquiries Viewed By Others currently listed on my Chex Systems Consumer Report are all fraudulent, unauthorized and not my checking account or credit inquiries : XXXX Checking Account : XXXX, XXXX XXXXXXXX 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 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 XXXXXX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, 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

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 2021-08-07 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These companies have had 180 days and 4 dispute letters to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

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 2021-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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 2021-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Good morning, this is my second complaint, the first complaint was XXXX. The resolution on the first complaint was that transunion would reinvestigate with the support information I provided CFPB and that they will get back to me. For the last 10 days I monitored this status on Transunion site which showed, they had in fact started to investigation. On the morning of XX/XX/2021, the reinvestigation no longer appeared. I started it again on my own on their system. I called transunion to ask why they had not follow through with the investigation ( I check site everyday ), and the first representative hung up when she said she had no record of investigation in system. The called back and spoke to another representative who stated the same result. I am a little frustrated that they gave the CFPB a response to reinvestigate, and in good faith, they have not done this. It is as if they gave the CFPB the response to close first complaint. They have failed to fulfill their obligation of complaint XXXX and continue to violate FCRA requirements.

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 2021-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank had block me from both of my accounts my checking account amount is {$1300.00} and my saving balance is $ XXXXthey said the reason they block me from my accounts is because there were deposits electronic deposits made into my checking account and the felt they were some kind of scam or money laundryingthis was 11 months ago some time in mid XXXX of 2020 in XXXX or XXXX I went to the bank and ask what was the status the teller told me that they are closing m y accounts and would be mailing me a check for the total amount in both accounts she also said it would be 2weeks before I would receive the check, well two week went by and still nothing so I called the branch and was told that they was not going to give me my money back that they were still investigating it and that they would be sending my money back to the debtors that was in XXXX well I call to see the status of the bal in both accounts and not only have they not closed my account but the money is still in my accounts they have had almost a year to investigated to see if there was any kind of money laundries or scamming being done they never sent the money back to the debtors and refuse to give me my money the have know proof that I or the debtors were pulling any scams and yet they insist on keeping my money from me in the time they had done this to me I lost my place of living because of what they did and I had direct deposits made from SSI And also a {$1400.00}. stimulus check I deposited in my savings account the debtors never deposited anything in my saving that was the money I had from both stimulus checks I had were deposited in my saving account they were rude and very unfair and refused to tell me anything about my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation