vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collection Services, Inc. (OK, TX)
State: IL

Complaint narrative:
Against my knowledge my ex-husband of XXXX who has full custody of our son listed me as the person responsible for a medical bill. I have contacted XXXX XXXX XXXX out of XXXX Oklahoma on XXXX occasions. I have explained each time that not only do I have no rights to said child I also am not legally responsible per the divorce for any medical bills of said child. I did not sign any hospital papers stating I had any knowledge of this bill, I received no bill, I have not been a resident of Oklahoma for XXXX, I did not sign HIPPA papers and this is fraudulent. I was told every time that they would not do anything. I have given them his father 's name and number and told them his insurance that is carried as well to no avail. I have called the debt collector who this was turned over to and have tried 3 times to dispute this blatantly fraudulent charge with no success. I only found out about it when I checked my credit report. This is the XXXX bill coming out of the same community hospital that has negatively affected my credit in the past XXXX. I did not sign, have knowledge or even live in the state this bill comes from. I have been a resident of Oklahoma since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent an email to my relationship manager showing all the documents ( quit claim deeds ) as to who the ownership of this home belonged to. 
The house was sold in XX/XX/XXXX. 
SPS sent escrow checks back to me HOWEVER, they made them payable to the deceased person, PLUS the person who was on the loan at one time, and taken off the title. 
I have asked them to reissue these checks into MY NAME. I am the owner of the property, and I received a letter stating they received my inquiry and I will have an answer in 60 days Well its much more than 60 days, no answer When I called and I spoke to the lady she said my request was received XX/XX/XXXX and it is not 60 days. I told her its MORE THAN 60 days its XX/XX/XXXX. She put me on hold and NEVER RETURNED to the telephone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I contacted PNC Bank numerous times over XXXX XXXX to have my mailing address changed since I have moved and no longer receive loan statements from them. For the last XXXXXXXX XXXX, I have called and spoken to their XXXX XXXX XXXX and they indicate that they have my correct mailing address ; they have no idea why I'm not receiving loan statements, and they have never experienced this problem. I know the statements are being mailed to my old address because the residents there have notified me that they still receive my loan statements. I request that PNC Bank change my mailing address and send me loan statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: CA

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-08 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Acct # XXXX I did not give permission for this to be reporting to my credit report. 

Please remove right away.

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 2022-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
my loan is in default and the creditor will not work with me on an affordable payplan. They said I have to pay {$410.00} every XXXX XXXX Upon me telling them I can't afford that and what type of arrangement I can do, they said they were moving forward with a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: NV

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. XXXX XXXX XXXX # XXXX, 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 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 XXXXXXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

Hide full complaint

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 2022-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX ( account number : # XXXX ) was removed from my report and now my credit is inaccurately reporting. It was taken off in XX/XX/2022, and has yet to be inserted. I've contacted XXXX, to which they have stated that they've got everything upto date for reinsertion, however, each bureau has told me that they've yet to see any updates from the creditor.

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 2022-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
someone got into my citibank account in XX/XX/2022, citi bank froze my account then eventually closed it. i let them know that the address they had on file was not my address anymore, a representative told me that he was able to go in and change it to my new address. once the account was closed they sent out a check of {$870.00} from the funds that i had left in my account, the thing is they sent it to my old address when i had already told them that i didn't live there anymore and the representative told me that he changed it on his end. i went to my old apartment to see if the people living there now had my package. they didn't answer the door so i left a note with my phone number, i never heard back from them. i then contacted XXXX to see if they had my package they told me they didn't and there was nothing that they could do about it. the next step i took was contacting citi bank again to let them know they sent it to the wrong address and that i didn't receive my check. they told me that they would sent another check out to the correct address. i've talked to multi able agents and they all have a different story each time i call. i was told that i then needed to mail out a copy of my photo id and a utility bill with my name and my new address, i mailed the information out to them twice and i still haven't receive my check we are now in XXXX, i'm currently XXXX  and its been stressing me out, it shouldn't be this difficult to receive my money. Every time i ask to speak to a manger or supervisor they told me it's not one available and they an do a call back. i have never received a call back.

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 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My car was stolen in approximately XXXX of 2022 My car was recovered, however XXXX XXXX has denied the claim for no apparent reason. 
I picked up my car and had it sent to the dealership and now the dealership is refusing to cover the cost of the damaged transmission and sent me an invoice for {$15000.00} when the car alone cost nearly that much. 
I cant afford {$15000.00} for a car repair due to no fault of my own when the car was STOLEN from me.

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 2022-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
I signed a proposal with XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Arizona XXXX, License # - XXXX XXXX XXXX ) for installation of solar panels on XX/XX/2022 which quoted a monthly payment of {$110.00}. No information was provided regarding the total number of payments, payment frequency or the payment due date. Also, it was not disclosed that the financing rate was only guaranteed based on a 0.5 % discount for an automatic withdrawal. When I received the loan paperwork on XX/XX/2022 it had all the proper disclosures but a payment of {$110.00}. That's {$1300.00} more over the life of the loan than promised. I complained to both XXXX and GoodLeap but neither company has taken any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover has stopped allowing XXXX use for customers that opened a checking account after XX/XX/2022. I have called to see why and when it will return and there is no timeframe. Reviewing XXXX, many other people are trying to get answers and Discover 's representatives have these response : " At this time, we do not have a time frame if or when XXXX will be restored with us. You are welcome to use XXXX with your other financial institutions. I will ensure to forward your feedback as you would like to see this feature added back. '' " It was a business decision to remove this feature at this time. We do not have an estimate for when XXXX will be restored. Please keep in mind we offer Online Bill Payment and Mobile Check Deposit to move money. '' This issue, and the lack of transparency as to why this issue is happening and when it will be resolved, has impacted the access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: TX

Complaint narrative:
I sent letters to Experian, XXXX, and XXXX on XX/XX/22 disputing an account on my credit report that they are inaccurately reporting. The account in question is XXXX XXXX XXXX XXXX. The information across all 3 bureaus is inconsistent and incorrect. Experian and XXXX are reporting different late payments, but how can this be when the data furnished should be the same? Also, I was never late on this account because I was on deferment due to covid. I am actually protected under the CARES ACT so I am not sure why this hasn't been updated. Another violation is that XXXX has no payment history-only has it as being charged off, but somehow the other 2 bureaus are reporting late payment history along with it being charged off. I have tried to have this information corrected for over 4 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and/or the account to be deleted. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. Please find the credit reports attached. Please conduct a proper investigation and update this account. My email is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

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. 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 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 XXXX 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 2022-12-08 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: Freeway Funding, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I went back to the dealership that I bought this car from in XXXX of XXXX. I tried to dispute the account through the credit bureaus in XXXX because the car is being reported as a repo charge off. What happened is I got into a car accident on XX/XX/XXXX and the car was completely wreck so the insurance company paid off the loan. I went to complain at the dealership because Freeway funding was reporting my account as in repossession AND had a balance of XXXX! I attached the credit report for that date. The car was never in repossession, it was wrecked and paid off by the loan company. I went to the dealership and they called Freeway funding and explained to them that I purchased GAP insurance and that the whole car should have been paid off by the insurance company. The dealership said he saw on my credit report that theres a balance due of XXXX lady at Freeway funding said that they show a balance of XXXX like the car was never paid. They were giving us the run around then forward me their legal department that went straight to voicemail. I left a message and they never responded. 

So on XX/XX/XXXX XXXX funding updated my credit report to show a charge off with a balance of XXXX. I know with the GAP insurance everything would have been paid off. Now for sure with them updating my credit report I know they got the money so at this point they are just back tracking and adding all these fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There is a game by XXXX called XXXX XXXX XXXXXXXX XXXX Within the app there were {$5100.00} worth of purchases made and none of them were made by me nor were they approved by me. When I filed a dispute with Chase on XXXX, Chase reversed the charges. On XXXX chase put the charges back on my account because the merchant had my email address so they deemed the charges as legitimate. I asked if it were possible my email was hacked and was told it was not likely. Chase then sent me from the fraud dept to dispute dept. The dispute dept told me since the charges were more than 60 days old. They could not do anything about it. I asked why fraud didn't send it to them to begin with instead of wasting my time. They did not have an answer for me nor were they interested in trying to help me from there. I was told even though I did not partake in the {$5100.00} in charges, I was responsible for them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Filed complaint # XXXX regarding issues closing my account. Found Barclay business practices deceptive and inconsistent with standards at other banks and requested my accounts be closed in avoid complaince hassles and deceptive communication. 

I was called by someone in the office of the President and she verified and apologized for the behavior of the rep over the phone by not permitting me to close my credit cards without submitting my IRS tax returns. She informed me my accounts will be closed and fee refunded. In addition, I pointed out to her my access to my acocunt online was restricted and I could not review account information nor change any payment methods to pay the final balance. She informed me that my {$99.00} account free would be refunded on Barclays letter on XX/XX/XXXX as part of their response acknowledges this. 

On XXXX XXXX, I was notified by email from Barclays ' ( attached ) that they withdrew {$99.00} from my bank account. This is inappropriate, against what they stated and likely illegal. They might blame their poor IT, but they need to fix their internal issues with IT and compliance to be more consistent with other banks and consumer friendly. 

Consumers are spending way to much time with banks like this harassing them and abusing terms as well as not doing what they say they are going to do. So I am filing yet another complaint due to the {$99.00} fee withdrawal that was impossible for me to prevent, which i proactively attemtped to head off, which Barclay 's acknowledged would be refunded, but in the END, they still took the money and likely violated the law by doing so.

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 2022-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
i received a letter from Radius Global Solutions saying a owe a debt of {$650.00} to an energy company i never used XXXXXXXX XXXX XXXXXXXX at an address i never lived at XXXX XXXX XXXX XXXX XXXX and the person its addressed to isn't me either XXXX XXXX XXXX. the letter states that the account number XXXX owes the amount {$650.00} as of XX/XX/2021 there is also no report of this account on any of my credit reports

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