vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 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: NCB Management Services Inc.
State: FL

Complaint narrative:
I have contacted XXXX regarding a collection that has been paid off XX/XX/XXXX and it still showed opened. I requested that they update the file has closed and remove from my credit report. The response from XXXX that it was updated and closed as of XX/XX/XXXX. I contacted XXXX by phone on XX/XX/XXXX to report this infraction and was told that I will need to contact the company, NCB Management Services , Inc for a date closed on this issue and to have them contact XXXX to remove from credit report. 

I am going in circles. No one is taking responsibility and I need this to be taken care of since its making a dent in getting services that I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: MA

Complaint narrative:
Dispute letter was sent to Equifax via postal mail on XX/XX/XXXX, I have yet to hear any acknowledgement or results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: VA

Complaint narrative:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX # XXXXHowever, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

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 2023-07-11 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management I am writing this letter in response to the phone call/letter received from you on ( XX/XX/2021 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH took over my mortgage in XXXX, XXXX. They failed to pay my homeowners insurance for that year, therefore XXXX sent me to collections for {$640.00}. I found this out in XXXX when I switched insurance companies & XXXX billed me & then sent me to collection shortly after. PHH initially told me that since my mortgage was transferred to them I would have to go back to first company -- I fought back. I told them when you buy a loan, you assume it & all of it's responsibilities -- I let them know it was their issue to fix. 

Now, were in XXXX & I am getting a cancellation notice from the new insurance company, XXXX, because once again the policy has not been paid. Please note, I called PHH to inform them of the switch. 

Oh last thing, they didn't pay all of my property taxes in XXXX. I found out there was a lien on my property by XXXX XXXX for like {$36.00}. 

PHH has resolved both issues after my calling & complaining, but I shouldn't have to deal with this. I travel often & what if I missed a notice in the mail? My credit could have taken a dive & I'm sure PHH would love to inform me how I don't have insurance when they are the ones who didn't pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The debt is from XXXX with the credit card company called Synchorny Bank. The credit card was to help with the medical assistance for my pet. When the pet passed away, I answered the phone and told them what happened and that I was also unemployed and could not make any payments at that time. I am still unemployed as of XX/XX/XXXX. They attempted to continue to contact me from XX/XX/XXXX to XX/XX/XXXX every single day. They did so from multiple different phone numbers as well but always left a voicemail. Then the began again on XX/XX/XXXX all the way up to XX/XX/XXXX multiple times a week ( within a 7 day period ) always leaving voicemails and calling from different phone numbers. After this, they continued to mail letters to my home. I attempted to contact them back via mail as of XX/XX/XXXX to settle the debt in some sort of way, but was refused a response. They just mailed me the same exact form again asking if I'd like to pay in full or dispute the debt. I have other creditors coming after me for the debt that I owe them while unemployed and do not want to take this to court. I have shown atleast once to twice a year that my circumstances have not changed and continue to stand the same as of XXXX when the original credit was taken out.

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 2023-07-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX XXXX  XXXX XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT XXXX  # XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX - IDENTITY THEFT XXXX XXXX  # XXXX  - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT XXXX  # XXXX - IDENTITY THEFT XXXX  # XXXX - IDENTITY THEFT XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX XXXX  XXXX XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT XXXX XXXX XXXX - IDENTITY THEFT XXXX XXXX  XXXX - IDENTITY THEFT XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX - IDENTITY THEFT XXXX LEND # XMRDGT - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT XXXX  # XXXX - IDENTITY THEFT XXXX XXXX XXXX - IDENTITY THEFT XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-07-11 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: LA

Complaint narrative:
I received an alert from XXXX and XXXX about a new collection on my credit report from Consumer Adjustment Company for the amount of {$4200.00} on XX/XX/2023. 

This is a collection for a debt that I do not have nor does it appear on any of my credit reports. I have no idea who Consumer Adjustment Company is or what they are claiming I owe money for. I have not been contacted by them or anyone claiming I owe over {$4000.00}. All my debts are paid and up to date and my credit report confirms this. That was until this company posted a collection on my credit reports and dropped my score by XXXX points overnight. 

I haven't received any phone calls, which I do not want to receive, nor am I giving anyone permission to call me. 

I haven't received anything in writing, which is the only way someone should contact me. What is this debt and where is the proof of it or the attempt to collect it before putting it on my credit report? It doesn't exist, and this company has the wrong person. 

I haven't received notification of this debt, a notification of a right to dispute this debt, or proof of this debt. 

I want this slander removed from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
RE : SUSPENSION of Cash Rewards Programa by Penfed - LOST OR STOLEN OVER {$16000.00} On XX/XX/2022, I received a letter informing me that the " Cash Rewards '' program for my Pendfed card has been suspended. I have been a long time loyal Penfed customer. My relationship with Penfed is one of several years and complete. This relationship is made up of : bank accounts, savings certificates, credit cards, and vehicle loans and personal loans. It has always paid my obligations without arrears and as a loyal client of Penfed.

Penfed claims that I have been using the card inconsistent with the rewards program.

We submit several claims to Penfed including evidence of the expenses paid with the credit card wich include : General expenses, utilities and taxes payments. 

I always thought that by using the card according to its slogan ( XXXX XXXX  XXXX Rewards Visa Card gives you 2 % cash back on all purchases with no limits on how much you can earn ) on all purchases, services and consumptions, I would become a better and more loyal customer to Penfed, not get penalized.

The reward program was supended and i was not able to redeem the accrued reward poits. At that time I have over {$16000.00} accrued on cash rewards. LOST OR STOLEN. 

No previews orientation was given about its rules and how they could penalize me. These rules are contrary to the " slogan '' they promote ( 2 % cash back on all purchases with no limits on how much you can earn ), so I consider it a MISLEADING ADVERTISEMENT.

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 2023-07-11 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
Hello, I have an auto load with GM Financial. I found out today that I am 30 days past due on a payment that was due in XXXX ( XX/XX/XXXX ). When I made my last payment the GM website said my next payment was due XX/XX/XXXX. It misadvised me because there was really a payment that was due XX/XX/XXXX that hadn't been made yet. I logged in today thinking I was 1 day late and I was really 30 days late. 

I called the company and pointed out that their website showed that my next payment was due in XXXX and not XXXX. They admitted that the information was wrong on the phone ( talked to XXXX XXXX on XX/XX/23 @ XXXX XXXX  ), however, they refuse to make sure it doesn't impact my credit or remove any late fee. I made the payment immediately but their website is clearly misadvising consumers and misleading them - leading to increased late payment revenue for their company. 

I attached a picture showing the misleading information. Today is XX/XX/XXXX. I thought I had a payment due XX/XX/XXXX ( 1 day late ). The website says payment is 30 days late ( would have been XXXX payment I didn't know about ) - then it says my next payment isn't until XXXX. It says NOTHING about my XXXX payment - that was due yesterday. Extremely misleading and unethical. 

Something needs to be done to stop this from happening to consumers. It is gross misrepresentation and I would argue illegal to mislead consumers like that. 

All I want is GM Financial to quit misleading customers and do the right and ethical thing when they mislead someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
The account was paid and closed and told they would remove from account. This was done XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Was charged for tow truck to reposes my car was charged down payment company not allowing any hardship assistance or education canceled contract and still want me to abide by old contract

Company response to consumer: Closed with explanation