vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
On Saturday XX/XX/2022 I was awakened by my phone at XXXX! Usually you get bad news at this time of the overnight/early morning. This was especially troubling to me as my sister just passed away XX/XX/2022 and I got the message in the early morning hour. So imagine my panic, nervousness, anxiety and stress as I reached for my phone. Once I saw the message my emotions went straight to anger, shock and disbelief! What debt collector has the nerve to contact someone at XXXXXXXX XXXX not to mention it was also XXXX XXXX XXXX weekend. I was and am beyond furious at this company 's bullying and harassment tactics! This is not acceptable on any level. The company even states on their website they can not contact you before XXXX or after XXXX. They are not following their own rules set forth by the Fair Debt Collection Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rodenburg LLP
State: MT

Complaint narrative:
I, along with my father who consigned, took out a XXXX  student XXXX Loan, disbursed XX/XX/XXXX, reflected an original principal balance of {$11000.00}. in the The student loan account serviced by XXXX XXXX XXXX ( XXXX ) on behalf of the holder, the XXXX XXXX XXXX XXXX XXXX ( XXXX ). My father and I started making payments on the loan on XX/XX/XXXX. Total we paid over {$15000.00}. Last we heard from XXXX XXXX XXXX XXXX XXXX was on XX/XX/XXXX through a court order. As of last week my employer received a wage garnishment from the Rodenburg Law Firm out of XXXX, ND regarding the XXXX student loan. I never received information regarding the court hearing date regarding this debt. A judgement against me was issued on XX/XX/XXXX and my wages are now being garnished which is the first I have heard about the judgement being reissued. My father has previously tried to contact the Rodenburg Law Firm in XX/XX/XXXX for information detailing chain of custody, loan application and monthly history of all amounts paid. This has been asked for before that with no response. He received no response again. Even with the payments made totaling over {$15000.00} the judgement is showing listed for {$27000.00}! With no explanation as to the balance or the DRASTIC difference in value. In XXXX, If you seek the validation from a debt collector, then the debt collector must discontinue all attempts to collect the debt until such time as the debt collector provides verification. We have never received such verification. Also the statue of limitations in XXXX should have a bearing on the debt collection according to XXXX Annotated Code TITLE 30. TRADE AND COMMERCE CHAPTER 3. UNIFORM COMMERCIAL CODE NEGOTIABLE INSTRUMENTS Part 1. Short Title, Form, and Interpretation En. Sec. 3-122, Ch. 264, L. 1963 ; R.C.M. 1947, 87A-3-122 ; amd. Sec. 105, Ch. 410, L. 1991.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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:
On XX/XX/2022 I was woken up at XXXX XXXX  by a call from XXXX XXXX from XXXX XXXX  company attempting to talk of a current mortgage i have from same company. I was trying to assertain if this was about my current mortgage I have with XXXX or a new refi proposal from the company. She asked me to verify by my date of birth that she had on record and I replied yes to my date of birth. Then she immediately pulled my credit report in which I never gave consent to. 

I then figured out that she was trying to sell me a refi on my exisiting loan that was brokered only two years ago a a low rate and then refused her offer at a higher rate. Never did I give her permission to pull my credit and see what she could do for me. 

I am in process of refing another property and did not want a credit pull on my report. I repeatedly called the company and told them to remove the unauthorized pull and got no results. Finially after 5 phone calls and much grief, I got to speak with someone who said they can check into it. Today XX/XX/2022 got a formal refusal. XXXX told me that because I answered yes to my correct date of birth in trying to assertain what she was trying to talk to me about, that I gave consent, which I never did. 

Since the XX/XX/XXXX, I have been completely harrassed by multiple sales people from this company in trying to refi at a higher rate and bundle in my personal creidt card balances. I told them many times I am not interested in this. This is harrassment. 

I have begged to have the credit pull reversed and they refuse. This is illlegal I believe for them to do this. I am very upset at their trickery practices and poor customer service.

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 2022-05-18 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:
MY NAMES IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.

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 2022-05-18 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act displaying the address, XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX and XXXX XXXX XXXX XXXX, IL XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I mailed the first dispute to Equifax via XXXX XXXX Mail tracking # XXXX which according to XXXX XXXX was delivered and received on XX/XX/2022. I requested the disputed items be validated. In their first response, Equifax provided no copy of any contract with a signature and therefore failed to property validate said disputed items under federal law. On XX/XX/2022 I mailed second dispute letter to Equifax via certified mail tracking # XXXX which was delivered on XX/XX/2022 according to XXXX signed return receipt. Today is XXXX, XXXX, XXXX, thirty-five ( 35 ) days later and I have not received a response. 

My rights were violated twice under this law as they failed to assure maximum possible accuracy to me ; 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My rights were violated once when they failed to acknowledge my second dispute letter within 5 days under federal law 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My rights were violated 10 times wherein each time Equifax failed to validate each disputed item, totaling 5 items for first dispute and 5 items for second dispute under federal law 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had my identity stolen twice in 2018 which I later filed FTC reports, there was a BB & T foreclosed home ( XX/XX/2018 ) on my credit report valued at {$190000.00}, with a XXXX balance, with a message, " Thank you for paying off your loan '' attached to the comments, then was later changed to a REDEEMED FORECLOSURE, also with a XXXX balance, nothing owed. I was told, I'd get a call from their Fraud Dept, but no one called and I keep getting swithed over from dept. to dept. Finally got a Fraud # but it just rang and rang. No one picked up. 

I've made SEVERAL FTC reports and many phone calls to BB & T/TRUIST... calls to BBT/TRUIST that has divulged they have NO RECORD of ANY FORECLOSURE in my name in their system, yet it remains on my credit report, yet somehow, the credit bureaus claims it was " verified '', which is utterly FABRICATED. 

This fraudulent account on my credit report is ruining my Finanacial relationship with potential new creditors and I would like it removed from my credit report, 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 explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX will not remove the account off my report. I'm trying to get a mortgage so I paid the debt. Explained it was not mine. It came back fraudulent from XXXX and XXXX and they deleted it. XXXX will not. I have never been to XXXX. I don't know where it is but I have XXXX collections from there on XXXX. I called XXXX, disputed on phone and online and they still won't show me accurately that it's my collection because it isn't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was at a event at the XXXX XXXX XXXX in XXXX XXXX on XX/XX/22 and I purchased drinks for {$16.00} once, the second time I tried to purchase drinks my card was declined. On reviewing my bank account I find a second charge that night for {$18.00} which I did not make. I notified the bank of this and they deny my claim because I did not have a paper reciept.

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 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Someone used my daughter account to do a transfer of funds and it took over XXXX out of my childs account the said they said they were working on this back in XXXX we have contacted numerous times and as of today they said they have to many claims and have not worked on it and they need to give my child back her money they are discriminating against her age.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
As of : XX/XX/2022, when I got my Destiny MasterCard, through : FS Genesis Cardholder Services , Inc., they haven't changed the First Name on my Destiny MasterCard, to : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
On XX/XX/2022, I called Bridgecrest to let them know that I was going to trade in my vehicle and needed a XXXX payoff amount. ( The car note due date was on the XXXX ). 

On XX/XX/2022, while at the dealership, the salesman asked me to call Bridgecrest again to verify the payoff amount. 

On XX/XX/2022, I purchased a new vehicle and traded in the vehicle that was financed by Bridgecrest. 

On XX/XX/2022, Bridgecrest called me twice stating that they had not received payment on my car loan. I informed them that the car was traded in and that they should have received the payoff check from the car dealership. 

Bridgecrest continued to send me text messages and voice messages regarding a loan payment on the car it had financed. 

On XX/XX/2022, I contacted someone at the dealership to see if they had sent the payoff check to Bridgecrest. She told me that they had. She and I got on a three-way call with a XXXX at Bridgecrest. The rep at the dealership gave the rep at Bridgecrest the date that the check had been sent to the lockbox ( a day or two after purchase ) and she verified the lockbox address. No one had been there to receive the check. 

Bridgecrest reported a late payment to the credit bureaus. 

I contacted Bridgecrest to get the late payment removed, because it was not my fault that they did not receive payment on the vehicle, when it was clearly sent in due time. 

Bridgecrest refused to remove the late payment.

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 2022-05-18 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: CA

Complaint narrative:
In accordance with fair reporting act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS FIRST ACCOUNTS I ISSUSED A UCC-11 THAT THEY IGNORED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : they are not the orignal creditor XXXXXXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights in so many ways please note : 18 U.S.C 8 Obligation or other security of the United States defined 15 U.S.C 1681 SECTION 602A ( 4 ) STATES THAT THAT MY RIGHTS TO PRIVACY SHALL BE RESPECTED 15 U.S.C 1681B ( A ) ( 2 ) STATES YOU NEED In accordance with the written instructions of the consumer to whom it relates. WITCH THEY DO NOT HAVE ITS MANY MORE VIOLATIONS SUCH AS 15 U.S.C 1692 ( D ) 15 U.S.C1692 ( C ) A 15 U.S.C 1692B ( 5 ) 15 USC 1692B ( 2 ) USC 1692E U.S.C 15 1681Q 15USC 1681S -2 USC 15 6802 IF I NEED TO BE A LITTLE MORE DETAILED PLEASE LET ME KNOW. NO THIRD PARTY INCLUDED

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 2022-05-18 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: CA

Complaint narrative:
In accordance with fair reporting act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS FIRST ACCOUNTS I ISSUSED A UCC-11 THAT THEY IGNORED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : they are not the orignal creditor XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights in so many ways please note : 18 U.S.C 8 Obligation or other security of the United States defined 15 U.S.C 1681 SECTION 602A ( 4 ) STATES THAT THAT MY RIGHTS TO PRIVACY SHALL BE RESPECTED 15 U.S.C 1681B ( A ) ( 2 ) STATES YOU NEED In accordance with the written instructions of the consumer to whom it relates. WITCH THEY DO NOT HAVE ITS MANY MORE VIOLATIONS SUCH AS 15 U.S.C 1692 ( D ) 15 U.S.C1692 ( C ) A 15 U.S.C 1692B ( 5 ) 15 USC 1692B ( 2 ) USC 1692E U.S.C 15 1681Q 15USC 1681S -2 USC 15 6802 IF I NEED TO BE A LITTLE MORE DETAILED PLEASE LET ME KNOW. NO THIRD PARTY INCLUDED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: TX

Complaint narrative:
To : Blue Trust Loan Loan Department Regarding : Loan XXXX XXXX  Account Status : Active { {$720.00} } of XXXXPaid by direct withdrawal from my Bank Account at this time XXXX Payment is every 2 weeks as thats my payroll XXXX for XXXX a month for 9 months. Please advise Compliant : I spoke with a Blue Trust Loans Customer Representative over the phone. I was looking for a loan to cover a bill and came across the company after applying a representative contacted me.This Representative did not disclose me the information regarding the interest rates.After, I was approved and sign I received my loan documents per phone, and it was not until after speaking with the representative I check my email for the documents. I did not receive clear information, regarding the terms of taking out this loan. Check your recording, I was shocked to see that what I did for { {$720.00} } dollars. For the { {$720.00} } dollars I was scheduled to pay back for { {$90.00} } for 9 months.The interest rates were unclear and not fully explained to me not explained by the Representative that the total would be about XXXX dollars 9 months.I am also, filing a complaint to the XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 604 A section 2 states : I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instruction. 

The account opened XX/XX/2020 Amount {$2500.00} During the time at the XXXX at XXXX XXXX I recently moved in with my mom, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told I was signing a list of people in the home come to find out I was tricked into co-signing a lease. I didn't pay not one bill but my name is on the lease I've been trying to get this disputed for over 2 years now. It says its a joint account and been trying to move it to my moms since it was hers. I have called to get the documents showing a signed anything but the XXXX XXXX XXXX gave me the run around.

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 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: I.C. System, Inc.
State: GA

Complaint narrative:
i am filing this complaint on my own behalf, i noticed unauthorized inquiries on my consumer report and need someone to address this 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 explanation