vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
The card, which is paid in full monthly and has XXXX balance, was declined without explanation by an online vendor. When attempting to log on to the website, I received a generic message that a " technical glitch '' had occurred. Repeated attempts later in the day generated the same message or a message that a " scheduled update '' was taking " longer than expected '' and that all my information was " secure ''. When calling the customer service phone line I received a recorded message with the same narrative. This has gone on for over 8 hours ; I see from online posts that it may have been going on for days. At this point, this company with my sensitive financial information is completely opaque. I have no way of using the card or of checking any activity on the card or of talking to any actual representative of the company or of simply canceling the card. I've received no information via email from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: FL

Complaint narrative:
NATIONAL RECOVERY AGENCY is falsely reporting debt on my credit report. They are reporting two different accounts ; one in the amount of {$1200.00}, and another in the amount of {$970.00}. NATIONAL RECOVERY AGENCY is reporting both of these collection accounts, to all three credit bureaus with a false original date of XX/XX/2022. Both of these collections accounts are too old to be on my credit report. NATIONAL RECOVERY AGENCY is not legally allowed to report these debts to the credit bureaus according to the FCRA. It is the burden of NATIONAL RECOVERY AGENCY to prove that these collections reports are legitimate and they can not do so therefore these accounts must be removed from my credit report. NATIONAL RECOVERY AGENCY must stop reporting these accounts immediately as they are in violation of the FCRA. 

XXXX has recognized through a dispute that these collections accounts are illegitimate and they have been forcibly removed by XXXX. Please see attached dispute report. 

However, despite this NATIONAL RECOVERY AGENCY is continuing to report false information to the other credit bureaus. 

NATIONAL RECOVERY AGENCY ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NTL RECOVERY AGENCY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-06-28 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter disputing several inaccuracies on my credit report. The company continues to state that the inaccuracies are verified. NONE of the disputed accounts have been DELETED from my credit file. 

ALL account are inaccurately reporting which goes against my rights as a consumer according to the FCRA

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 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Top Flight Assistance (Top Flight Credit Assistance)
State: CA

Complaint narrative:
I saw an advertisement on XXXX about this credit repair company claiming to fix your credit score and delete collections from your record. I called them and spoke to a person name XXXX, I explained to him my situation which is that i was looking to buy a house with my fiance soon but the only thing stopping us was my credit score. I also told him that I needed to move out my place within 90 days of the day I spoke to him which was on XX/XX/2021 and he then said, no problem they can fix my credit score within 60 days or so. I asked how much and he told me {$2800.00} dollars for the VIP service and that I will then receive a credit line that was already used for over 5 years and that will be my new credit score within the 90 days. I told him i could not afford to pay {$2800.00}, he put me on hold then told me he can do the same deal, " VIP service, credit fixed in less than 90 days with a credit line for {$1400.00} but only if i paid upfront. So i agreed, it all sounded very promising. I then proceeded to give him my card information, he took all my information down debited {$1400.00} from my card instantly but then they never answered my phone calls. I have received 2 messages from them ever since, asking me to upload and update my information and thats it. My credit score never improved XXXX single point, I have never been able to contact them, and I most definitely have not being able to even apply for a house with " the credit line '' they said I will get within 90 days. I feel so betrayed and fooled. They definitely need to give me my money back or they all need to go to jail. It is so sad to think they are doing this to many other people. I still see their ads on XXXX and XXXX but if I call them they never answer their phone and on their website they have a link to their email but if you write them they do not reply. I tried to get my money back through the bank but the bank said they couldn't do it because it had been longer than 90 days since I made the purchase of this service. They are getting away with my money and still on social media ads trying to get other people when they know XXXX  well they do not fix anything or wont answer once you pay them. Please do something. Im so mad they took my money by deceiving me, they took advantage of my need and capitalized on it, I was vulnerable and they took my money furthering my chances of buying a house. I tried to contact them just now and their phone message says they are open monday through friday XXXX it is tuesday XXXX pm but no one is there to answer. Its a web of lies. This is fraud at its finest, scam XXXX taking advantage of people in need.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MI

Complaint narrative:
TrueAccord made initial contact via email on XX/XX/XXXX, on behalf of XXXX XXXX, XXXX, regarding consumer debt they alleged was mine ( it was not ) and wanted me to pay. They made subsequent contacts via email on XX/XX/XXXX, XXXX, and XXXX, and as a result, I sent a letter via certified mail on XX/XX/XXXX, requesting an official debt validation within 15 days. TrueAccord did not respond to my request but continued making contact via email on XX/XX/XXXX, XXXX, and XXXX, XXXX ; XX/XX/XXXX, XXXX, XXXX, and XXXX, XXXX -- asking me to pay the debt. I sent a debt collection letter via certified mail on XX/XX/XXXX, officially requesting debt cancellation. 

I then received two debt collection letters in the mail on XX/XX/XXXX, from XXXX XXXX XXXX. They explained some of the debt -- including the original creditor origination date ( XXXX ). Having never opened a credit account with that creditor or at the alleged date, I submitted a message on XXXX 's website on XX/XX/XXXX, stating the inaccuracies of the debt and statute of limitations in Michigan ( 6 years ), and I requested that the debt be removed from my records. 

I received an additional debt collection letter on XX/XX/XXXX, from XXXX XXXX, XXXX, attempting to collect the same debt that TrueAccordXXXX XXXX, XXXX attempted to collect in XX/XX/XXXX. In this letter, XXXX XXXX indicated that XXXX XXXX XXXX was a parent company to XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Hi, I XXXX XXXX mailed out on XX/XX/XXXX, XXXX XX/XX/2022 and XX/XX/2022 correspondences to Great Lakes Educational Loan services via certified with return label pertaining to the student loan debt listed on my credit report across all 3 bureaus. XXXX listed one of my student loans as charged-off and US Dept of Education is not responding in which the servicer Great Lakes is acting on their behalf as they serviced the loan. It's to my understanding I asked this company for the original instrument of indebtedness in return for full payment of these loans in which I will attach below. Till this day XX/XX/2022 I have not seen the requested documentation I have requested in direct and immediate exchange in which if they are able to provide this I will accept payment in direct and they have failed to provide anything pertaining to this document or speak about this in exchanges between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
more information complaint XXXX CEASE ALL CONTACT AN COLLECTION I REFUSE THIS ALLEGED DEBT 15USC1692c ( c ). 

I the consumer notice that you said that you were getting validation from your client. wait wait wait to first state that proves i owe you nothing you're reporting on my consumer report. I HAVE NO CONTRACT WITH YOU. I DEMAND YOU CEASE CONTACT THROUGH ALL MEDIUMS INCLUDING MY CONSUMER REPORT. I REFUSE THIS ALLEGED DEBT COMING FROM A XXXX PARTY DEBT COLLECTOR. PURSAUNT TO CASE LAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX CASE XXXX DOCUMENT XXXX PAGE XXXX OF XXXX. WHEN YOU PURCHASED ALLEGED DEBTS, YOU'RE PURCHASING A THOERITICAL CLAIM OF OWNERSHIP. THERE ARE NO NOTES ASSIGNED NO CONTRACTS ARE TRANSFERRED. SO BASICALLY, ALL YOU HAVE IS AND ELECTRONIC LIST OF COSUMERS AN THIER LAST KNOWN ADDRESS WITH AMOUNT THE CREDITOR CLAIMED TO BE OWED. OFTEN THE INTREST RATE IS NOT INCLUDED DATES OF BIRTH OR SOCIAL SECURITY NUMBERS ARE NOT INCLUDED, AND ADDRESSES HAVE NOT BEEN UPDATED ALSO, PURSAUNT TO THIS CASE THE COURTS FOUND THAT DEBT COLLECTORS DO NOT ACTUALLY PURCHASE AND RECEIVE CREDIT CONTRACTS, THEIR SPECFIC TERMS, PAYMENTS HISTORIES, SALES OR BILLING DOCUMENTS AND OTHER DOCUMENTS NECESSARY TO PROPERLY PROSECUTE AND COLLECT A DEBT OR EVEN TO KNOW WITH ANY REASONABLE DEGREE OF CONFIDENCE THAT A SPECIFIC DEBTOR OPENED, USED AND THEN FAILED TO PAY A DEBT IN A SPECIFIC AMOUNT. 

SO WITH THAT BEING SAID YOUR A USING HARASSMENT AND OR ABUSE PURSUANT TO 15USC1692d ( 2 ) this profane lang to me for you to say i owe you an alleged debt an then you come back and say you will get an alleged validation from you client well if you have no actually validation contract etc why are you reporting negative computerized unverified account on my consumer report?????? you have no contract when you are assigned or purchased alleged debts your purchasing nothing.. 

I ALSO ASKED YOU TO CEASE CONTACT WITH ME THROUGH ALL MEDIUMS INCLUEDING MY CONSUMER REPORT. PURSAUNT TO 15USC1692c ( c ). 

YOUR A BIG FRAUD YOU ARE ATTEMPTING TO SWINDLE I THE CONSUMER PUSUANT TO 18USC1341. I HAVE NO BUSINESS WITH YOU NO CONTRACT WITH YOU XXXX YOU DONT EVEN HAVE A CONTRACT OR ANYTHING FACTUAL YOU ONLY HAVE COMPUTER GENERATED INFORMATION BUT STILL TRYING TO COLLECT MONEY FROM I THE CONSUMER. 

YOU AN YOUR CLIENT IS COMMITTING RACKETEERING PURSUANT TO 18USC1961 ( 1 ) YOU BOTH ARE USING FAKE CONTRACTS AND UNVERIFABLE INFORMATION TO COLLECT MONEY. 

I REFUSE THIS ALLEGED DEBT ONCE AGAIN I DEMAND YOU CEASE CONTACT THROUGH ALL MEDIUMS INCLUDING MY CONSUMER REPORT. I DO NOT WANT AN FAKE VERIFICATION THATS IS DONE ONLY BY COMPUTER INFORMATION THAT IS NOT VAILD. 15USC1692c ( c ). 
XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have a Synchrony Bank " Home '' Card of which I have been paying over the last 3 years as it offered 0 % for a period of time. My complaint is that relative to the current required monthly payment of {$85.00} due on XXXX XXXX, I paid the bill on XX/XX/2022 and the institution charged me a {$40.00} late fee ( 47 % of the regular payment ). I find that this fee is punitive and believe that the late fee 's should be no more than 10 % of the payment due. ESPECIALLY since I pay them electronically.

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 monetary relief
Consumer complaint received 2022-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

This company continues to report a 30 day, 60 day, & a 90 day late payment to XXXX, XXXX and TransUnion from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

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 2022-06-28 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: EQUIFAX, INC.
State: AL

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

This company continues to report a 30 day, 60 day, & a 90 day late payment to XXXX, Equifax and XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

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

This company continues to report a 30 day late payment to Experian, XXXX and XXXX from XXXX of 2022. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

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 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: MS

Complaint narrative:
I live in XXXX XXXX and my Loan was purchased by a XXXX XXXX called " Planet Home Lending ''. At the time they purchased my Loan my payment went through XXXX and my note was {$410.00} Planet Home Lending purchased my loan in XXXX XXXX. Since then my note has gone up to {$820.00} nearly doubling. They are holding {$930.00} of my money in reserve ( escrow ) and not paying me interest on it. They went up on my note after me telling them to " waive the reserve '' which is what XXXX did for me so that I could keep my note affordable. I went to the XXXX XXXX and resolved the issue with my taxes which have been prorated for XXXX and I turned that in to them so they could accurately recalculate my note. I have spoken with Planet on this matter after learning of a tax mistake and I ask them to do a " Escrow Spread '' after they were to have " waived the reserve of {$930.00} '' that I have already paid them, which would not have increased my note by much but they didn't do that nor did they honor a letter I recieved after they took over my loan from the Home Affordable Act Stating that I was to recieve a {$5000.00} final reduction in my principle for successfully completing the HOme Affordable Program. THIS COMPANY SHOULD BE SERIOUSLY INVESTIGATED FOR IT'S ESCROW POLICIES IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have no knowledge of this XXXX account. This was not me. I have included a fraud report.

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