vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
With my last XXXX I had to go to the XXXX  often and they would always tell me to pay or they will sue me for not paying. I cant afford to pay the {$200.00} copay every other week when I was trying to cover other expenses and just make sure my baby was healthy and I was healthy. Also went to a dentist, paid in full, cash. No insurance at the time so I paid everything up front to get my XXXX XXXX  and they still ended up sending me a bill for extra costs that arent even listed.

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 2022-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I applied but the adverse information came from a non reporting consumer agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an error on my consumer report furnished by XXXX XXXX. My consumer report has a fraudulent late payment being reported on account # XXXX, which is causing me damage as a consumer and limiting my ability to extend credit. XXXX XXXX Bank card is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. I have made them aware of this error well over a month ago and they are choosing to break the law. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information. Congress has stated there shouldnt be any late payments? XXXX XXXX and the CRA 's ( Experian, XXXX, and XXXX ) are attempting to harass me and violate my right as a consumer purposely. I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m. Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX been accepting? Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me. I demand the error in question to be changed to paid as agreed to reflect 100 percent payment history. 

once again this late payment is in regards to : XXXX XXXX Account # XXXX Date : 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 2022-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UHG, LLC
State: FL

Complaint narrative:
To whom this may concern I'm writing this letter because I'm frustrated. I had a debt with XXXX XXXX which went into collections. XXXX XXXXUnited Holding Group XXXX purchase my record. I contacted credit control on XX/XX/22 made a payment of {$410.00} which was cleared on said day. I was given United holding group XXXX XXXX which I've been trying to reach from that day. The above number no one answers or returned calls because I've left several messages. This company does not want to release my car title after I make the payment. This vehicle was in a wreck and was total. The company wants to send me what the car is worth but without a title they will not release the funds. I feel like I've been ignored. I need assistance with getting my title it's going on 4 weeks now. I need this issue resolved. They took my funds and giving me the run around. I need help in getting this matter resolved. Prompt response is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On the dates of XX/XX/2022 and XX/XX/2022, I reached out to TransUnion to dispute improperly reported hard inquiries on my credit report. I was told that the agents could not help me with this each time and that I would have to let the inquiries drop off naturally.

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 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/2022 I transfer {$330.00} from my personal checking account to my Coinbase prepaid debt card. Coinbase received the funds from my checking account on XX/XX/2022. 
Coinbase is holding that {$330.00} dollars, Coinbase is not giving me access to it. The {$330.00} was never applied to my Coinbase debt card. I called them XX/XX/2022 several times. The Coinbase reps told me that for security reasons my {$330.00} was placed on hold until XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have access to the funds. I want my money, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I sent a certified letter asking for validation of debt. I asked them to provide a breakdown of fees including any and all collection cost and medical charges. To provide a copy of my signature with the provider of service to release my medical information to them. 
They only sent me a letter stating they represent such company and verified the information with client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Over a year trying to get false late payment removed by Ally financial on my auto loan. 
First Ally reported 2 late payments XXXX & XX/XX/2021 but after several calls to Ally customer service they removed XXXX late payment WHEN LOANE WAS PAID-OFF IN XX/XX/2021. 

After several phone calls to Ally financial, they changed & reported Late payment to XX/XX/2021 which is completely false ( Attached printout of credit report where it shows XXXX payment posted XXXX/XXXX/XX/XX/XXXX). 
ALL OF THESE LATE PAYMENTS BEEN REPORTED BY ALLY FINANCIAL AFTER AUTO LOAN WAS PAID-OFF IN XX/XX/2021. 
Paid off the loan during pandemic.

Credit score dropped XXXX points after Ally reported false late payment. 
Unethical & dishonest company.

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 2022-08-15 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX  Original creditor XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX  Account # XXXX U S DEPT OF ED/XXXX Account # XXXX XXXXXXXX XXXX XXXX  INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights.

MOBILE USA 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 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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: COMMUNITY REINVESTMENT FUND
State: MS

Complaint narrative:
Received a credit card in the mail. Tried to login in online. Only to find out that someone has stolen my identity. XXXX XXXX told me to contact you and see if my SSN. Is being used else where. This person had my name, address, phone number, ssn. This persons email that applied is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING COMPANY WAS FRAUDULENTLY OPENED IN MY NAME : CAPITAL 1 # XXXX OPENED : XX/XX/18 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by ( American express and XXXX XXXX ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( American express and XXXX XXXX  ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( American express and XXXX XXXX  ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( American Express and XXXX XXXX ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-15 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: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: GA

Complaint narrative:
In 2015 I went to the atm and withdrew money from my bank account. I ended up overdrawing my bank account to about a total of XXXX. After it was overdrawn for a month, it was sent to collections, and this reflected on my credit report as a charged off debt. Then the bank Vice President, XXXX XXXX, decided to also call the police department and ask them to file a warrant on me. This is highly illegal. I currently have a lawyer working to resolve this issue.

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 2022-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  is currently reporting that my loan is 180 days past due and that I owe {$260000.00}. None of this information is correct. My loan is not past due as I just complete a loan modification and made my XXXX payment. On my statement dated XX/XX/2022, it is showing a balance of {$220000.00}. I made a payment XX/XX/XXXX, so the current statement is not reflecting that. I have called XXXX XXXX  several times but can not get through to anyone due to their lines being down. The erroneous information has caused my credit score to drastically drop, I am in the process of refinancing my home due to all the issues I have had with XXXX XXXX and their reporting has halted my chances of that of happening, I need this information corrected immediately.

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 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/XXXX, I set up online a wire transfer of {$22000.00} to my friend XXXX XXXX. The transfer has never been delivered to his bank account. I received an email on XX/XX/XXXX, asking me to contact the bank at XXXX. During the phone conversation, I was asked to provide more information to complete the transfer, including very private personal information about my friend, the wire transfer recipient. This is very suspicious request especially over the phone, because I have made multiple wire transfers from other banks previously, have never been asked for such information. My request to provide the support documentation for such request was not satisfied, and was told that without that information the transfer could not be processed. Therefore, I asked the bank to cancel the wire transfer and return the fund to my account. I was assured it should be back in 3 to 5 business days. Now after 20 days passed, I havent seen money back to my account. And nothing from the bank explains what is going on. 
An inquiry message to the bank on XX/XX/XXXX, ended up with the request my phone call to the same number without much sincere help. I was assured the issue would be solved and money back on this Monday XX/XX/XXXX, yet nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  Original creditor XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Account # XXXX U S DEPT OF EDXXXX Account # XXXX XXXX XXXXXXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX, has violated my rights.

XXXX XXXX 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 2022-08-15 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX XXXX Account # XXXX U S DEPT OF EDXXXX  Account # XXXX XXXXXXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

XXXX XXXX  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 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 2022-08-15 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by ( XXXX XXXX and navy federal ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( XXXX XXXX and navy federal ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( XXXX XXXX and navy federal ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( XXXX XXXX and navy federal ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals?

Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation