vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I have recieved absolutely 0 notifications or alerts from this company and/or what debt they are attempting to collect. Earlier this same year I paid a debt collector for a XXXX  bill from years ago that was unpaid. It's the only possible thing that it could be related to, but this is a different collector, and I have gotten 0 communication. 

The company on my credit report now is mpbcredit I don't know who these people are or what they have placed such a large derogatory mark on my account 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 2022-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TFC Credit Corporation of California
State: CA

Complaint narrative:
I refinanced a student loan and TFC Credit Corporation has been pain in full by XXXX since XX/XX/22. It is now XX/XX/22, and the company has refused to return the overpayment in the amount of {$4800.00}. I have spoken with 4 different customer service agents at TFC, and each time they have given me a different reason as to why my check has not been sent out. I was initially advised that after the payment posted to my account, any overpayment would be mailed to me directly within XXXX days. XXXX, the customer service supervisor I spoke with on XX/XX/22 advised that I needed to request the money be returned to me otherwise the company retains overpayments. He then went on to say that I would need to wait another week for the XX/XX/22 check run. Today on XX/XX/22 I was advised by XXXX XXXX, a Director at TFC, that I would need to wait until the XX/XX/22 check run, because checks are only sent out once a month. Every time I have called this company, they give me a new reason for retaining the money. 

I am aware that companies float money for interest and this is exactly what is happening to me and many others scammed by TFC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDXXXX XXXX, Complete 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 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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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 2022-06-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: LA

Complaint narrative:
I am XXXX XXXX and I am reporting these fraudulent information in my report. I have been trying to dispute this but I get no response or anything. They just keep spamming me with collection letters instead of answering my inquiry about the said information.

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 2022-06-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am XXXX XXXX and I am reporting these fraudulent information in my report. I have been trying to dispute this but I get no response or anything. They just keep spamming me with collection letters instead of answering my inquiry about the said information.

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 2022-06-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following acct # s have 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 XXXX XXXX  Account number : XXXX XXXX Account status : Late 30 days Available credit : {$300.00} Reported balance : {$350.00} Credit utilizationXXXX % Date XXXX XXXX XXXX Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$1900.00} Date XXXXXXXX XXXX Account number : XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$380.00} Credit utilization Date XXXX XXXX  Overview Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$22000.00} Credit utilization Date XXXXXXXX XXXX Date XXXX Date XXXX Amount XXXX {$380.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXX XXXX Date XXXX Date XXXX Amount : {$1900.00} Status XXXX Balance date : XX/XX/2022 : Account designator code : Joint account Account number : XXXX XXXXXXXX XXXX XXXX Date XXXX Date XXXX Amount : {$22000.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXX XXXX  Date XXXX Date XXXX Amount : {$500.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXXXXXX XXXX  Date XXXX Date XXXX Amount : {$310.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : 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
Consumer complaint received 2022-06-08 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: Monterey Financial Services LLC
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 MONTEREY COLLECTION SV # XXXX ( XXXX XXXX ), has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

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 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
XX/XX/2022 CITIZENS LOAN # XXXX CITIZENS Bank Timeline XXXX I sent my Instrument of payment in the amount of {$160000.00} to CITIZENS MORTGAGE Bank CERTIFIED MAIL. XXXX XXXX XXXX XXXX RI XXXX. TRACKING # XXXX. 

XXXXCertified Mail was delivered XXXX I called to verify that CITIZENS has received my INSTRUMENT OF PAYMENT and spoke with XXXX  XXXX  ( ID XXXX ) and was told my INSTRUMENT was refused, I Stated the following below : UCC3-311 : Accord and Satisfaction ( a ) If a person against whom a claim is asserted li.e. 
Us ] proves that ( i ) that person [ i.e. We ] in good faith tendered an instrument to the claimant i.e. Them ] as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( in ) the claimant lie. They ] obtained payment of the instrument. 

..the claim is discharged if the person against whom the claim is asserted i.e. Us proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim. 

UCC3-603 : Tender of Payment ( a ) If a tender of payment of an obligation to pay an-instrument is made to a person entitled to enforce the instrument [ i.e. Them ] and the tender is refused, there is discharge, to the extent of the amount of the tender... 

XXXX I sent a CONDITIONAL AGREEMENT CERTIFIED MAIL TO CEO XXXX XXXX XXXX XXXX TRACKING # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX and 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 2022-06-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc.
State: OK

Complaint narrative:
Factual data attempted a hard inquiry on all three of my credit reports. Fortunately, I have a freeze on my accounts. I am attempting to find out who the mortgage lender is that asked factual data to run my credit, since they provide this service to mortgage lenders. I have not applied for credit in nearly two years except for a refinance back in XX/XX/2022. I took the freeze off my account just long enough for XXXX XXXX  to approve my loan and I quickly put the freeze back. I would like to know the name of the lender that fraudulently engaged Factual Data. From there I would like to know if there is an individual attempting to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
XX/XX/2022 CITIZENS LOAN # XXXX CITIZENS Bank Timeline XXXX I sent my Instrument of payment in the amount of {$350000.00} to CITIZENS MORTGAGE Bank XXXX MAIL. XXXX XXXX XXXX XXXX RI XXXX. TRACKING # XXXX. 

XXXXCertified Mail was delivered XXXX I called to verify that CITIZENS has received my INSTRUMENT OF PAYMENT and spoke with XXXX XXXX ( ID XXXX ) and was told my INSTRUMENT was refused, I Stated the following below : UCC3-311 : Accord and Satisfaction ( a ) If a person against whom a claim is asserted li.e. 
Us ] proves that ( i ) that person [ i.e. We ] in good faith tendered an instrument to the claimant i.e. Them ] as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( in ) the claimant lie. They ] obtained payment of the instrument.

..the claim is discharged if the person against whom the claim is asserted i.e. Us proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim.

UCC3-603 : Tender of Payment ( a ) If a tender of payment of an obligation to pay an-instrument is made to a person entitled to enforce the instrument [ i.e. Them ] and the tender is refused, there is discharge, to the extent of the amount of the tender... 

XXXX I sent a CONDITIONAL AGREEMENT CERTIFIED MAIL TO CEO XXXX XXXX XXXX XXXX TRACKING # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PlusFour, Inc
State: NV

Complaint narrative:
On XX/XX/2022 I received a call from the collection agency while I was currently admitted in the XXXX. I missed the call so I called them back and advised them that I was not in a position to discuss the situation at all and they they needed to cease any and all communication immediately and disconnected the call. Since them they have continued to make repeated attempts to contact me ( at least 5 additional calls since then ). They use deceptive measures to disguise their identity buy consistently changing the caller ID to read veracious things, however they do provide voicemail messages. The voicemail is the " XXXX XXXX '' so clearly is the agency that was placed on a cease communications verbally. I have had no communication in written form to date. They were legally mandated to provide a XXXX letter per Nevada collections law sent either certified mail or registered mail. This was never done. This would have provided me 30 days notice prior top any collections beginning. Once this is done they can send a initial collections letter providing 30 days to dispute the debt. This never happened either. This agency is clearly not abiding by Federal or state laws such as the FDCPA or state laws XXXX XXXX as well as well as the regulation F mandate that provides a 7 day cool off period between calls once communication is established. The initial conversation was on XX/XX/2022 ( provided they were not placed on a verbal cease and deceit ) and they provided a voicemail message on XX/XX/2022. This collection agency is using and continues to use Unfair, deceptive, or abusive acts and practices as part of the daily operations. I currently still have no idea what debt they may be referring to since they never handled themself correctly with any communication both written or verble. Please help me put an end to the abuse and harassment.

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 2022-06-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I am on my XXXX or XXXX lease with Lexus Financial. All previous leases have been paid on time flawlessly. And up until recently, my current lease has been paid on time. 
In the last year with Covid, I went on XXXX and am paid only once a month. 
And recently my husband had an emergency and could not work for 2.5 weeks and does not get paid when he doesn't work. 
So for a few months, I have paid late, but still within the 30 days so not delinquent. 
I called today at XXXX XXXX  and spoke to a representative and then her manager to 1 ) get my due date changed to when I get paid, and 2 ) have my XXXX payment moved to the end of the lease. 
The manager said that I have already had the 3 allotted deferrals for leases and 2 extra due to Covid and that there was nothing they could do. 
After several leases and several years and several on time payments, this is how they treat their customers?! 
Now my lease will be delinquent because I can not pay my XXXX payment until XX/XX/XXXX when my XXXX payment is already past due. 
I will pay my XXXX payment on the XXXX along with the late fee however can not pay XXXX and XXXX! 
I am livid! I don't even drive the car! I want to terminate my lease but they said that not only will I have to pay a early termination fee but also the entire value of the car! 
Sorry I am rambling. I just know that this is no way to treat long time valued customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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 2022-06-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX ACCOUNT # XXXX  has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: OK

Complaint narrative:
On XXXX the XXXX of 2022 i sent a letter to Experian certified mail and was informed that the letter had been received disputing items from my account, disputing inaccurate personal information along with a copy of my driver 's license. I request information on how the information was validate and requested that they research and remove permanently all disputes. It has been almost two months and I have not received a response. By law FCRA if a credit bureau does not respond in 30 days they have to remove all disputed items and as well as personal information and inquires updated and removed. I have attempted to call several times and request a new report which I still have not received. I am in the process of filing a Class A action lawsuit against all three credit bureaus for inaccurate information, negligence, emotional stress and reinsertion.

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 2022-06-08 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
I previously contacted Equifax about this issue. I sent a XXXX  written request for EQUIFAX to correct my credit report.

Company response to consumer: Closed with explanation