vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
on XX/XX/XXXX I submitted a 30 day notice to vacate XXXX XXXX Apartments. I was on a month to month lease because the other tenant had left the unit leaving me to pay the rent alone. I advised the landlord XXXX XXXX that i would continue to pay the rent as agreed until I find a cheaper place to live In which she agreed and placed me on a month to month lease originally i was paying XXXX and a month to month went up to XXXX. I paid this amount from XX/XX/XXXX until my last payment on XX/XX/XXXX and submitted my notice to vacate XXXX XXXX proceeds to send me an eviction notice email on XX/XX/XXXX when i was no longer in the unit because my vacate notice i advised that i was moving out the first week of XXXX XXXX My deposit was kept and i return the keys to the unit the eviction notice was not valid because i took all the proper steps as stated on my month to month lease and i gave notice of vacate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collector : MediCredit INC. This company opened an account using my personal information with no authorization from me. This company has reported that the account of the alleged debt is open and active but listed under derogatory marks. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for these companies. XXXX sent a response letter providing me with the contact information the debt collection company listed above. This company has reported incorrect illegal accounts to The Credit Bureau without consent from me. This tactic is listed in the U.S. Law as identity theft and a HIPPA violation if any of my medical information is stored in their establishment. This company used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am a consumer, a natural person. My rights have been repeatedly violated by Portfolio Recovery XXXX, XXXX. I have been HARRASED REPEATEDLY by THEM especially after filing a CFPB complaint. I do not owe the alleged debt! I have sent them repeated letters and was even summons to court on XX/XX/XXXX which I attended. I told them that I do not owe the alleged debt to Lawyer XXXX XXXX who WAS Not cooperative at all and I was given another date to appear in court for XX/XX/XXXX. On XX/XX/XXXX I received a letter from their XXXX Department stating that I did NOT APPEAR in court which is not TRUE which is a violation of U.S Code 1692e ( 10 ) this is a deceptive means to collect the alleged debt and a violation of 15 U.S. Code 1692e ( 5 ) they can not threaten me telling me I am in default when I was in court on XX/XX/XXXX! I am attaching both documents. THIS IS HARASSMENT according to 15 U.S. Code 1692d! 
This company has caused me nothing BUT Stress and has made me ILL. I have an XX/XX/XXXXXXXX and as a result of this abuse and unfair practices, I have had to get on medication after years of not being on any. 
Further, more I am alleging that the attorneys at Portfolio Recovery all private lawyers pursuant to 28 USC 3002 1 ( B ), I do not believe they are even authorized in accordance with section 3718 of Title 31 to conduct litigation for the collection of debts on behalf of the United States. If they are, I need them PROVE IT! 
I had to create a separate report because there is no option to add information for an existing case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I received correspondence on XX/XX/XXXX from FedLoan in response to my request for TEPSLF forgiveness. The letter states that I am not eligible for forgiveness now because I have not made the required 120 payments. However, when I checked FedLoan 's XXXX Payment Tracking page, I noticed that there are two years of loan payments that are not counted - between XX/XX/XXXX and XX/XX/XXXX - these payments just appear to be missing from my record. 

I consolidated my loans in XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) and began repayment the summer of XXXX. XXXX XXXX XXXX ( XXXX ) continued as my student loan servicer until my loans were transferred to FedLoan in XXXX. I believe that with these payments counted I will be over the required 120 payments needed to qualify for XXXX forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 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: CA

Complaint narrative:
Greetings, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: TX

Complaint narrative:
I, XXXX XXXX, am filing this complaint on my own, with no help from anyone else. My FTC Identity Theft Report and detailed complaint are attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. 

I have never approved or given specific written authorization to any 3rd party affiliate CRA to share my data with the following firms ; please be advised that without my consent, you are committing identity theft, and you have no legal basis to do so under 15 USC 1681 : -XXXX opened XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX XX/XX/XXXX opened : XX/XX/XXXX -XX/XX/XXXX opened : XX/XX/XXXX -CBS XXXX XXXX opened : XX/XX/XXXX XXXX XX/XX/XXXX opened : XX/XX/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 2022-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: AZ

Complaint narrative:
New Information... Discover is a debt collector engaging in commerce within the United States of America and must adhere to federal laws. Discover has failed to provide the necessary information I requested for me to validate my obligation to the alleged debt pursuant to 15 USC 1692g ( b ). Discover has assumed the role of a consumer or court because they have taken it upon themselves to state that the alleged debt in question is valid without my consent as the consumer or a judgement from a court. Discover has not sent me the name or address of the original creditor like I requested pursuant to 15 USC 1692g ( b ) but they keep sending company billing statements and card agreements stating these validate my obligation to the alleged debt. Discover is impeding my ability to exercise my right as a federally protected consumer.

Discover is now causing irreparable harm to my reputation by publicly reporting this account as delinquent without validation that I am even obligated to this alleged debt. Discover has also responded to my request to remove this account from all Credit Reporting Agencies by stating that they are required to report this account to the CRA, required by whom? pursuant to 15 USC 6801a it is Discover duty to protect the consumers nonpublic information, pursuant to USC 6802a Discover may not provide any consumers nonpublic information to any nonaffiliated third party. Furthermore I was never given the opportunity to opt out of the public sharing of my nonpublic information pursuant to 15 USC 6802b ( 1 ) ( B ) nor was I offered an explanation on my right to do so pursuant to 15 USC 6802b ( 1 ) ( C )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 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: DISCOVER BANK
State: SC

Complaint narrative:
I have been working with Discover card for almost a year in which some tickets purchased on XXXX were charged to my discover card. I originally tried calling XXXX at the phone number referenced on my discover statement but due to the pandemic, there were no customer service agents working so they do not allow u to talk to a live person. I tried messaging XXXX to no response. Therefore, I filled a fraud dispute with discover card and three times I called and spoke to representatives. They provided me documents from XXXX that indicated the tickets were emailed to an email address that wasnt mine and the charges were made by an electronic device that was in another state that I have never been to. Discover card had put the charges on my account and reversed them 3 times as we went back and forth. They first agreed then put the charges back in my account each time discover did not notify me why the charges were put back on my account. I had to call discover and have them send me and tell me why the charges were put back on my account. Honestly, I think they wanted me to not notice or get frustrated and just pay the charges. The last time they put the charges back in my account, I called customer service and was on hold for 45 mins and transferred to 3 different customer service agents and when the last one I was connected to she said hi and then hung up. So I called discover back and then was on hold for 1 hour and 5 mins before I was connected to customer service and she told me that Discover had concluded their investigation and sided with XXXX. She couldnt give me any other details or information about what had chances since I talked to them last time. Honesty this is just a sign of big business being big business. They wanted me to give up and get frustrated and just pay the charges..this is what I get for being a tax paying good citizen. All is forgotten that my hard earned tax money helped bail these companies out in 2008. No justice for the little guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: TX

Complaint narrative:
I HAVE AN ALIAS NAME THAT NEED TO BE DELETED AS WELL AS 2 PREVIOUS ADDRESSES THAT ARE NOT MINE

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 2022-01-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
Because I have already filed a complaint about this back in XX/XX/XXXX, I will be brief and simply attach a written demand I submitted to Discover Card 's XXXX XXXX today. 

Discover continues to reapply an illegitimate charge of {$1800.00} to my account and, shockingly, today it advised me that the dispute went to an unidentified, unilateral, third-party arbitrator/arbitration service, which, on its face, is outrageous. I took no part in such process and in any event, the reason for the reapplication of the charge is unlawful, unfair, deceptive, and smacks against well-settled contract law. 

I demand that this {$1800.00} be fully and finally removed from my account. I will not waste anymore of my time addressing this dispute with inept Discover Card, unless it is through legal action that I have authorized my attorney to undertake in the event this unseemly and senseless process is not fully and finally resolved in a favor manner by XX/XX/XXXX. 

Also, because of Discover 's unacceptable, irrational, and highly inept business practices, I was forced to terminate my XXXX relationship today, XX/XX/XXXX. I can not rely upon or trust this company and it is causing me immense emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted Transunion numerous times explaining that the following inquires are listed as someone was trying to get accounts opened in my name. I am not working with any credit repair or quick fix company. I am taking numerous hours out of my day from my family to get this corrected and each time nothing. I believe you are sending computer generated responses or not looking and sending the same responses. Please delete the fraud information from 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 2022-01-29 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
A personal loan just appeared on my credit reports showing a delinquency date of XX/XX/XXXX. I have not done business with this bank in past 8 years. This information is inaccurate, and I request it be removed from all credit reports. My credit reports show a loan date of XX/XX/XXXX and amount of XXXX and a delinquency date of XX/XX/XXXX. Again, this just appeared on my report and is 8 years old according to the date they reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Flag star XXXX XXXX XXXX XXXX XXXX MI XXXX ph number -- XXXX XXXX XXXX XXXX this is regarding the forebearrance plan that i had with the bank, Since i started paying they dont end the forbearance plan still showing in my document as delinquet they dont let me resolve. I sent all the documents to their portal they keep saying they cant see the documents. we can see the portal from our end that all the documents are uploaded. i keep paying the monthly payment but they wont let me exit the forebearance unless i pay the whole amount i owe to them which is hard at this time. i requested them to put the money i owe to the back of my loan and i keep paying the amount the monthly payment but it doesnt happen.

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 2022-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: CO

Complaint narrative:
Unrequested XXXX " Direct Deposit, pre-paid XXXX '' phishing scam from " Brinks Money '' asserting I have an account at XXXXXXXX XXXX XXXX  XXXXXXXX XXXX  Problem is, XXXX 's information indicates they don't service our zip code... meanwhile, Brinks requests all sorts of info : SSN, DOB, address, etc.

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 2022-01-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, am filing this complaint on my own, with no help from anyone else. My FTC Identity Theft Report and detailed complaint are attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. 

I have never approved or given specific written authorization to any 3rd party affiliate CRA to share my data with the following firms ; please be advised that without my consent, you are committing identity theft, and you have no legal basis to do so under 15 USC 1681 : -XXXX XXXX XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX -XXXX XXXX  opened : XX/XX/XXXX -XXXX  opened : XX/XX/XXXX -XXXX XXXX XXXX opened : XX/XX/XXXX XXXX XXXX opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, am filing this complaint on my own, with no help from anyone else. My FTC Identity Theft Report and detailed complaint are attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. 

I have never approved or given specific written authorization to any 3rd party affiliate CRA to share my data with the following firms ; please be advised that without my consent, you are committing identity theft, and you have no legal basis to do so under 15 USC 1681 : -XXXX XXXX XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX -XX/XX/XXXXopened : XX/XX/XXXX -XX/XX/XXXXXX/XX/XXXX opened : XX/XX/XXXXXX/XX/XXXXXXXX XXXX opened : XX/XX/XXXX XXXX XX/XX/XXXX opened : XX/XX/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 2022-01-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
The second lienholder, mortgage company ( Shellpoint Mortgage ) stated that they closed out this loan and sent it to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's and deeds office is supposed to record the release discharge of the mortgage. I have attached a copy of the letter from the mortgage company ( Shellpoint Mortgage ). I have called the XXXX XXXX 's office many times to get information about this matter. II have called the ( XXXX XXXX XXXX 's office and Shellpoint Mortgage ) They have not given me any confirmed information to me. I would like to make sure this is discharged, released per as the letter states. I had considered filing a complaint with the court if I am unable to successfully get information about the release. I need a copy of the proof for my records once it is released and or discharged. We can have someone look into the matter and reach out to the CEO 's ( whoever oversees the XXXX XXXX XXXX 's office and Shellpoint mortgage.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: CA

Complaint narrative:
Greetings, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 2022-01-29 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: CA

Complaint narrative:
Greetings, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 2022-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: SC

Complaint narrative:
XXXX, Hunter Warfield document violate the Fair Debt Collection Act and the Fair Credit Reporting Act laws. I found SEVEN violations. Each violation is a {$1000.00} dollars according to 15 U.S code 1692K

Company response to consumer: Closed with explanation