vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
On XX/XX/2023 I called Gurstel Law to accept a settlement that was offered to me in XXXX of 2023. I was told they could no longer settle the account because they started an active wage garnishment. I have two issues with this. 

I was never provided a summons by this company so I was unaware of any judgements against me. The company claims a summons was handed directly to me, this is not correct. I would like proof of delivery. 

I spoke with this company many times and was trying to negotiate a settlement. I offered {$1000.00} and was told the client XXXX XXXX refused to accept this offer. I was never once advised during my conversations with the company that my account was going to be submitted for garnishment if action wasn't taken. I had advised the company I had {$1000.00}, If I was properly advised the status of my account I would have figured out a way to come up with the extra money quicker. 

Since I was never properly informed of the intended action taken on this account, I was forced, or bullied, into paying the full balance plus an additional {$30.00} to wire transfer payment. This was the only way to prevent garnishments. It seems very deceptive that a settlement was available 2 weeks ago, but now there is no way for them to accept a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: FL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: V and H Portfolio
State: TX

Complaint narrative:
I submitted multiple disputes on a collection account that is reporting multiple innacuracies on my report account is showing a past due balance this account is in collections and from what I read a collection can not have a past due balance as a collection is past due by default please delete this from my credit report for failure to accurately list this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Someone from corporate needs to call me immediately my credit card was STOLEN and I have fraud charges on my account. I contacted fraud and let them know the charges were removed now the charges were placed back on my account!!!! This is unacceptable!!!!!!! SOMEONE NEEDS TO CALL ME NOW!!!!! THESE ARE FRAUD and not authorized!!!!!!!!!!! 

These charges need to be taken off immediately as my card was stolen! When I called I was Informed they denied my claim because in previous fraud case that had been used at a prior merchant in a fraud claim even though the case was considered fraud. I can not control that my card has been stolen before and used at places in XXXX XXXX how is that my issue? There is so many places you can use this card. I never did business with these merchants or XXXX either its fraud my card was stolen. So was a few others and they already resolved their fraud claims in my favor. Get these off my account! 

Someone needs to call me now!!! 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 2023-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
On XX/XX/2022 I was taken to the emergency room from my employer XXXX XXXX XXXX, the emergency room my then health insurance coverage was XXXX XXXX. Because it was a emergency XXXX XXXX paid for the billed received from XXXX  XXXX XXXX, XXXX. However the physician portion was billed incorrectly, they billed Medicaid which was not my insurance carrier. I have repeatedly attempted to get this resolved with countless calls to XXXX XXXXXXXX, and they refer me to different billing entities XXXX, called this number and they referred to XXXX which then referred to XXXX I have been disconnected, hung up on and treated extremely rude by all that I have reached out too. 

My final attempt was today to all the above numbers and XXXX when I asked to speak to a manager or supervisor and was transferred to XXXX who was extremely rude and condescending. I explained thoroughly the billing error to which he stated I could not tell him what needed to be done. Refuse to confirm with me my XXXX XXXX member number to make certain that they had the correct information so that they could bill and collect on the outstanding, he stated that they are a collection agency and collect not bill, XXXX XXXX washes their hands and says the agency has to be the one to bill. Bottom line XXXX XXXX  has in likelihood written this off and given it to the collection agency to collect cents on dollar, I will not and emphasize will not allow my credit to be harmed over inefficient billing by the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: Nelnet, Inc.
State: LA

Complaint narrative:
Credit Agencies are showing that I have been years late with student loan payments from XXXX through XXXX. I have ALWAYS completed the necessary paperwork and have NEVER just " not paid ''. I filed bankruptcy in XXXX my discharge date was XX/XX/XXXX. During that time documentation was submitted to all creditors including student loan servicers. Attached is communication with US department of education/loan servicers documenting I continued doing what I was supposed to do and should NOT have been in repayment. ( separate issue of complying with federal discharge ). Originally is was never showing " late '' or " past due ''. I was informed of " default '' status when I went back to school in XXXX which prompted the attached correspondence because I could not get financial aid. It was not showing on my credit report just in the fafsa system. I informed them of the bankruptcy and results ( also attached ) so the discussing of late was reportedly resolved but they would not discharge it. ( separate issue and not the primary complaint here ). I was able to dispute and correct dates from most of XXXX through today ( thanks to Covid and being enrolled in school ) but it still showing XXXX through XXXX as being late which originally was not showing as recently as XXXX XXXX. It has been disputed several times and is now effecting me significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: I.C. System, Inc.
State: NV

Complaint narrative:
On XX/XX/, ( I C System ) attempted to fraudulently collect a debt of {$1500.00}. Not only did they attempt to collect, they caused damage of creditXXXX GoodName by reporting false signatures and information to XXXX XXXX XXXX XXXX and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: PA

Complaint narrative:
Fraud Inquiries On All Three Credit Reports 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2022 {$150.00} AMSHER COLLECTION SERV XXXX XX/XX/2022 {$210.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: TN

Complaint narrative:
I have reached out to both the creditors and the credit reporting agencies telling them to verify and validate the debts for which I have been getting nothing but pushback. All of my disputes which make 7 disputes asked them to show the method of verification of how they are reporting this information. Nothing except that the information is coming back as verified. Someone is not doing their job or the method they are using to verify is very flawed. According to the FCRA, all information is to be 100 % across the board. EVERYTHING IS TO MATCH if it doesn't match or can't be verified then that item must be deleted. As a consumer, I should not have to point out the discrepancies when they are the ones who are reporting the errors. I have repeatedly submitted to them that the information is inaccurate and needs to be fixed, yet I get NOTHING BUT THIS ITEM BELONGS TO YOU AND HAS BEEN VERIFIED. I am baffled as to how the items I am disputing are being VERIFIED. I have been disputing the same items for the last 7 months and because of the inaccurate reporting and not doing their due diligence of making sure the items being reported on the consumer file are 100 % correct I am now living on the street with nowhere to go because no one will approve me for housing ; due to low scores. Something needs to be done and trying to correct this information after I have shown where the inaccuracies are coming from should not be an option. I have given the creditors and the CRAs enough time to get it RIGHT. I NEED THESE ITEMS DELETED. I will also be sending a certified letter to my ATTORNEY GENERAL -- XXXX XXXX which this information as well to see what he says about the matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I have been trying to get Hyundai Motor Finance to complete a state title transfer from XXXX to XXXX  since XXXX. When I originally called in, they had me create a state title transfer request on their website. While the site said 6 to 8 weeks, I grew increasingly concerned, as my request continued to sit in the first state of review. 

When I called in XXXX, the representative told me the request I sent had actually got deleted and was never processed. They also told me I would have to start the process over on my end and submit a new request, which I couldn't do, as the original request was still visible on the site and there was no option to create an additional one. 

I call back again in XXXX. This time, I was told that they had actually sent me title out two weeks prior, and I should have received it. I hadn't though, so they said they would ship out a new one. 

I call back in XXXX. This time, I'm told that the person in XXXX must have been mistaken, because the title gets shipped to the DMV and not me. They said they had yet to send it to the DMV but would do so immediately. I also asked at this point in time if they could possibly create an email thread showing the actions they had taken to resolve my transfer. The representative on the phone said they would, but I never received anything. 

I still don't have my title. I'm unable to register my car in my new state. My inspection has also lapsed from my old state, but I can't get that renewed as my license and insurance is from my new state. 

Hyundai Motor Finance 's representatives have lied to me throughout the process. I have no clue if my transfer has even been started. I also have no idea where it will be going to or how I would know if the process has been finished, as they've been unwilling to document any of our conversations or actions taken on their end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
Original complaint filed XX/XX/2023 ( did not process ). Credit Management Company ( CMC ) notified on multiple occasions about issues around the validity of debt they are attempting to collect. Notified that this is not my debt and is not a valid claim. Ignored this fact and refused to provide any evidence to the contrary. Claiming invalid contract is evidence of claim. They can not support their claim and all further attempts will be disputed. 

Secondly, they responded to a previous CFPB complaint with inaccurate information. They are attempting to report this to a credit agency and have no right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: LA

Complaint narrative:
Account history Account Account number XXXX .... 

XXXX XXXX OK XXXX OK  XXXX XXXX OK XXXX OK XXXX OK XX/XX/XXXX XXXX OK XXXX OK 30 days past due as of XX/XX/XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$11000.00} / XX/XX/XXXX / {$460.00} / No data XX/XX/XXXX : {$10000.00} / XX/XX/XXXX / {$460.00} / {$920.00} XX/XX/XXXX : {$11000.00} / XX/XX/XXXX / {$460.00} / {$450.00} XX/XX/XXXX : {$11000.00} / XX/XX/XXXX / {$460.00} / {$940.00} XX/XX/XXXX : {$12000.00} / No data/ {$460.00} / No data XX/XX/XXXX : {$12000.00} / No data/ {$460.00} / No data XX/XX/XXXX : {$11000.00} / No data/ {$460.00} / No data The original amount of this account was {$11000.00} There's a balance history with no data reported for XXXX, XXXX, or XXXX but the account is showing 30 days late. I was never late. 
When I contacted the company they were having issues with their system. 
I also have requested to OptOut of any transactional history with this company to all credit reporting agencies. 
The information is inaccurate and incomplete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I noticed several years ago, that XXXX hired " XXXX XXXX to get me to pay for a bill that was not in my name and for service at a location that no one lived at. I contacted XXXX and the collection agency each time they placed the debt on my credit report. They told me when the bill was for and where, but when I disputed the information, they changed the information to my name. The collection agency was changed to IC Systems the third time and I called them and told them this is not my debt. I contacted XXXX each time and they investigated and removed this item from my report. Today I checked with a different company credit reporting company, and they have IC Systems reporting this same XXXX dollars that I have disputed 3 times already with XXXX. XXXX does not have it listed this time. I don't know how to stop this ; I never had a bill with XXXX in my name during the time they claim this debt is owed. I have a brother with the exact same name, and he had a bill with them. I spoke to him he had a cell phone tied to services that he did not pay. This is not my debt. I can provide proof of the brother with the same name. I have been fighting creditors all my life because of this. I even placed a disclaimer on my XXXX Report warning creditors of the 2 brothers with the same name. IC Systems and XXXX keep trying to place this debt on me. Each time they report this, my credit score and image gets wiped out and I get refused credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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:
Fraud Inquiries On All Three Credit Reports 1XXXX 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 XXXXXXXX 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 2023-04-20 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: PA

Complaint narrative:
Fraud Inquiries On All Three Credit Reports 1. 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Best Buy Citi card, unwanted fee XXXX XXXX XXXX They signed me without explain, over 10 years. Tried call them cancel it but not guarantee for refund. 
They charged {$17.00} for over 10 years more than {$2100.00}. 
I did not notice until now buy called them to cancel it but still charging.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I XXXX the response from Wells Fargo Auto Fnance, and XXXX actually responded that {$2600.00} for income was seen on the loan application. This should have alerted Wells Fargo Auto that this information was incorrect as I banked with Wells Fargo for close to eight years. I was turned down a loan for a mobile home on its own property XXXX years ago. 

This should have been enough for Wells Fargo Auto Finance to check my assets in my checking account. They are a guilty as the car dealership who I am currently suing. I have never had that amount of cash in my checking account, and Wells Fargo knew I banked with them. I do not accept their response.

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