vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: RI

Complaint narrative:
I initiated the MONTH TO MONTH membership XX/XX/XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX  Pennsylvania. I spoke to the " manager '' named XXXX. I explained to her that I didnt want to use the Gym equipement but only required the use of the showers. I then explained to her AGAIN that I only required the use of the showers for a month maybe two at the very most. She said yes I could do this on a month to month but I still had to agree to the automatic payment withdrawl from my account. I used the facilities approximately 4 or 5 times!! Each time I was there the bathrooms were not clean .... in fact they were terrible. There was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. upon 2 returns to the facility it was still there. Very nauseating to say the least. My final visit there Itold who ever was on duty.. some other unhelpful person.. that I was cancelling my MONTH TO MONTH agreement and he said I would have to talk to XXXX. I then called XXXX and she said I had to come in. To accomadate her wishes I came in. I believe it was the last week of XXXX or first week in XXXX only to have her say that I would have to pay for the whole year because of cancellation. 
Well ... ... ... ..I completely and utterly disagreed with her as to what agreement I had made and which she agreed to. I said FIRST of ALL XXXX! ... ... .I said emphatically in no way shape or form would have agreed to a full year member ship ... .as I SPECIFCALLY SAID I DO NOT WANT A YEARLY MEMBERSHIP. Finally after all this in her infinite wisdom pulled up my account on the computor ( which should have been immediate! ) As to when she finally agreed that in fact YES these were the terms of the agreemnt. To which she offered no apologies what so ever... the only reply was that shes " busy dealing with hundreds of people during a week ''. Which in my opinion is a very poor representation of this company and absolutely the poorest of customer relations. I then after reviewing my bank statements this is what I have for the dates involved. 
XX/XX/XXXX {$49.00} withdrawn for initial agreement XX/XX/XXXX {$29.00} withdrawn for montly agreement XX/XX/XXXX yet YET ANOTHER {$29.00} withdrawn???? 
I then see a charge for another {$29.00} withdrawn from my account on XX/XX/XXXX. 
This is the point as to where I had called my bank and put a STOP payment on my account and the result was a demand payment notice from First Credit Services Inc . 
for the amount of {$260.00}. This is not my bill. They are now trying to scam me out of monies not due to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against SYNCB/CARE CREDIT. SYNCB/CARE CREDIT is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that SYNCB/CARE CREDIT is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave SYNCB/CARE CREDIT any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold SYNCB/CARE CREDIT criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If SYNCB/CARE CREDIT can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.

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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I pay Equifax for a credit service. I can not ever log in. It keeps directing me to call their support center every time I try to log in. I get some agent in a foreign country who can not understand me or speaks in a way I can not understand them. They fiddle around with emails and other nonsense. They say they are going to get me to a higher level support. I get a survey. Then they disconnect the call. 

Does the federal government actually regulate anything? Really, the way this company is allowed to do business could be unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion, XXXX and XXXX are reporting inaccurate information on my credit report which is decreasing my score. With my score being lowered, I can't be approved for loans or credit cards. The inaccuracies including late payments, open accounts that doesn't belong to me and inquires which are fraudulent.

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 2022-06-14 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX, Account # 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

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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX. XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX XXXX  criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.

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 2022-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Broward Adjustment Services
State: FL

Complaint narrative:
I am currently paying the debt I have month by month with the money I have enough to pay. I am a XXXX  and now I am receiving a letter for a debt that I have with an account number XXXX XXXX and I don't know what that debt is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX, XXXX and Equifax are reporting inaccurate information on my credit report which is decreasing my score. With my score being lowered, I can't be approved for loans or credit cards. The inaccuracies including late payments, open accounts that doesn't belong to me and inquires which are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX, Experian and XXXX are reporting inaccurate information on my credit report which is decreasing my score. With my score being lowered, I can't be approved for loans or credit cards. The inaccuracies including late payments, open accounts that doesn't belong to me and inquires which are fraudulent.

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 2022-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: IL

Complaint narrative:
Capital Accounts LLC is reporting the same ebt collection account twice on my XXXX, AND reporting the wrong amount owed. They will not verify the origninal debt ( Which is XXXX $ ) they are reporting different amounts to all 3 credit bureaus. ALL incorrect amounts. I have disputed this numerous times and have asked to validate the original amount- hey have not. Now in the last 3 months - they are reporting the SAME account twice on XXXX. I have disputed and I have no idea why it keeps getting validated when it it totally wrong. I now have to hire a lawyer to get this taken care of because they keep ADDING to the amount owed, do not verify the original debt and inaccurately reporting twice on XXXX This is beyond false information they are reporting and refuse to edit or remove it. I do NOT owe these large amounts and I will keep fighting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX/XXXX  XXXX  XX/XX/XXXX -XXXX/XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hello, I am actively investigating unauthorized access of my credit report and I have observed unorganized inquiries and or attempts of credit with my information. I have already contacted the individual credit companies and initiated disputes to have each of these inquiries removed from my report. 

Attached are the inquires mentioned as well as active dispute cases PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT : XXXX  XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Hello, I am actively investigating unauthorized access of my credit report and I have observed unorganized inquiries and or attempts of credit with my information. I have already contacted the individual credit companies and initiated disputes to have each of these inquiries removed from my report. 

Attached are the inquires mentioned as well as active dispute cases PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT : XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  XX/XX/2021

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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentially under U.S.C 1681.

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

These addresses and phone numbers do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX, XXXX, equifax has violated my federally protected consumer rights to privacy and confidentially under U.S.C 1681.

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

These addresses and phone numbers do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
this complaint is on debt buyer Midland Credit Management and there inaccurate and inconsistent reporting with the three consumer reporting agencies XXXX XXXX and XXXX. I've sent letters in to all 3 bureaus on two occasions. my first letter dated XX/XX/XXXX I asked to ensure all information was reporting accurately. my second letter dated XX/XX/XXXX XXXX it is now XX/XX/XXXX and I noticed that this agency is still reporting on my consumer report but with inaccurate and inconsistent information. 

one main violation this debt buyer is responsible for is that this debt buyer is reporting 3 different running of reporting periods manipulating the the statute of limitations on this account. XXXX estimated month and year this item will be removed is XX/XX/XXXX. XXXX  on record until reports XX/XX/XXXX and XXXX date of 1st deliquency date reports XX/XX/XXXX making the running of reporting time to be XXXX XXXX so according to midland credit management the LEGAL estimated time frame to remove this account from all 3 agencies are 3 different dates? this is suppose to be one account. its impossible to have 3 different running of reporting periods. this tells me that midland does not have the correct information in there possession and there furnishing whatever they feel like to the consumer reporting agencies. well that's not how the FDCPA works nor the FCRA. according to my actual XXXX  and XXXX reports this data furnisher has reported to both of them this month in XXXX. to my understanding once a data furnisher has modified information on a account then they must send carbon copies to all consumer repotting agencies on. a nationwide bases that maintains files under my name in order to notify them of the modifications to update there files in order to be in XXXX compliance that also falls under the FCRA regulations.. why is there incosistent information reporting. why does XXXX report a active payment history and a past due on this account? a collection account is not a tradeline. there was never no verbal or physical payment agreement or arrangement with this debt buyer and myself to prove that I owe them anything and I refuse to pay a debt that has not been properly validated. to my understanding a data furnisher is PROHIBITED to report INACCURATE information especially after they have knowledge of these errors being reported. as a matter a fact XXXX actually provided me results recently regarding to this debt buyer and they have updated information on XX/XX/XXXX so I know for a fact that this debt buyer is well knowledgeable of the inaccurate and inconsistent information reporting. I have also included more inconsistencies that this data furnisher is reporting to prove my claims in this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: GA

Complaint narrative:
I took out a home mortgage on XX/XX/2021. 

I put down 5 %, so I had PMI on the loan. 

I completely gutted and renovated the home, increasing its value exponentially. 

I have repeatedly requested from my mortgage servicer, CMG, that they order an appraisal at my expense to confirm the improvements and higher value to remove the PMI. 

They have repeatedly ignored me and repeatedly sent me erroneous information. 

I warned them last week that if they did not respond to me again that I would file a complaint with the CFPB, and, once again, I am being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/2022 i contacted bofa prepaid services to let them know of multiple charges made on to my account. in total I counted XXXX charges from same merchant. XXXX claims were filed claim # XXXX totaling {$4800.00}, and claim # XXXX for XXXX there was no provisional credit provided even if investigation took over 10 business days. on XX/XX/XXXX both claims were denied. on that same day I contacted bank of America and ask for detailed reason as to how they reached the denial. all i got was a letter in the mail a few days later stating Bank of America did not find any mistakes made?? i don't know what they mean by that. on that same day i called and asked for a reconsideration again denied 2 days later on XX/XX/XXXX and again on XX/XX/XXXX and XXXX. i also contacted the merchant explained the situation and asked for their assistance and told them my bank was refusing to investigate this claim. the merchant conducted their own investigation, which took 7 days they concluded that because the cvv # was used on all transactions that made me liable for the charges even if I didn't have an account with them or done business or allowed anyone to use my card or authorized any of the transactions in question. i have since continued to contact bofa all they keep offering is to resubmit my claim only to be denied over and over without conducting a proper investigation.

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