vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 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: Southwest Recovery Services, Inc.
State: MN

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Southwest Recovery Services, they did not provide me with the original contract as requested. 
I have contacted both XXXX and XXXX regarding this collection fraudulently filed on my credit report, they still refuse to remove this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: MN

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as requested. 
I have contacted both XXXX and Equifax regarding this collection fraudulently filed on my credit report, they still refuse to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
. See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Its taken 2 years and probably 24 full hours of run around from new rez mortgage company to get our PMI removed. 

They sent an unqualified agent to do the appraisal after the value went up almost 34 % in the market here. We added $ XXXX worth of tangible upgrades and she appraised us for less than what the property and home was appraised for at the time of our closing. Were apparently the only new construction property in XXXX  Florida that lost value during Covid? Ha! 

They have no intention of removing the PMI despite valid comps. They wont let us have an independent assessment done- they said it wouldnt count in their decision. 

We signed off on approval to pay for their choice of agent to come out and instead just received a denial letter - the reason being we werent willing to have the appraisal done- despite paperwork on file that they acknowledged receipt of stating otherwise. 

Im ready to give up. This is just theft by New Rez Mortgage Company at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2023-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
LOCKHART, MORRIS & MONTGOMERY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Phone ( XXXX ) XXXX is the collection agency for the original creditor XXXX XXXX. I went to XXXX XXXX in XXXX of XXXX and graduated in XX/XX/XXXX. I applied for the school loan which was explained that once you graduate and start working for XXXX, the company would take XXXX cents per mile to cover the cost of your loan. Upon graduating from XXXX XXXX, I tried to get coupled with a driver to start teams to go over the road, but every driver that was referred to me were either in a different state or already had a team member. XXXX only operated on team driving. I waited 2 months after graduating to be paired with a XXXX XXXX, but the school was unsuccessful at finding me a XXXX XXXX The school has since been closed down due to the murders of a few XXXX XXXX by the other team member, poor school training, poor pay and other complaints by several drivers. I do not feel I should be responsible for a loan that was misrepresented by the school in the first place. I was told misleading and outright false information from the start. The school is called XXXX and there are several complaints with the XXXX  and other online websites due to the fraudulent information given by the school, but it has since closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc

Complaint narrative:
Ecommerce company called XXXX have scammed me into signing up to their free trial and are now refusing to cancel my account and are charging my account multiple times, i did not authorise any of this. I called the day it happened and they refuse to cancel and remove my personal financial details off their system and continue to charge me. I have a case with PayPal for a charge back however this is taking a long time and XXXX have once again charged my account, there's nothing I can do. They are ignoring me, they have locked me out of the account so I can not even log in to remove my details. This is criminal. I never authorised any of this and don't want their service I never did and they have automatically applied the charges with absolutely no warning or reminders. I have expressed my dissatisfaction so many times with their billing team and they always tell me " no '' we can't cancel your account, I don't want this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: RSH & Associates, LLC
State: KS

Complaint narrative:
RSH & Associates and XXXX XXXXXXXX will both not stop calling me despite me putting my number on the Do Not Call registry and blocking both of their numbers. XXXX from RSH repeatedly calls me from several numbers despite me telling him to stop, and that I keep blocking his numbers. He acknowledges this and keeps calling me all hours of the day for months on end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Name - Account number This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item Immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
I received a call from Wakefield and Associates on Saturday but missed it. I called back this evening on XX/XX/2023 at approximately XXXX. The agent I spoke with said they were attempting to collect a medical debt. I explained that I had previously asked to be contacted by mail only. He became combative and spoke over me and said if I didn't pay the debt, my credit would be damaged. He kept asking me if I wanted to take care of the debt or not. I told him the conversation should be over since I've ALREADY requested to be contacted by mail only. He said they'd already sent me a letter and until I paid it, they would keep calling. When I insisted my rights were being violated, he kept talking over me and saying I needed to pay the debt. I asked for a supervisor and she came on the phone after a couple of minutes. Her name was XXXX XXXX. I spoke with her and told her how the call had gone so far. She said they updated my account 's notes and I will only be contacted by mail going forward. However, my rights have been violated since I had previously requested this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I initiated a dispute for fraudulent accounts being reported to my Transunion credit report on my online Transunion XXXX XXXX account and uploaded all of the necessary documents including previously filed FTC reports and CFPB reports supporting my claim also documentation verifying my identity and proof of residency during the time the fraud occurred opening the fraudulent accounts and shortly after submitting I then confirmed with a Transunion XXXX over the phone I should receive any updates and results by email. Days later XX/XX/XXXX I noticed a reinsertion of a fraud XXXX account that resulted from disputing their collection account which is under XXXX MANAGEMENT that was already included in my dispute of XX/XX/XXXX so I reached out to Transunion again and the rep looked over my ftc reports and confirmed XXXX as the original creditor so that account was attached to my initial dispute filed XX/XX/XXXX hence the reason why I now have XXXX file numbers that are ( XXXX and XXXX ). I received correspondence from XXXX XXXX XXXX  XXXX, and XXXX that XXXX account I initiated a dispute with on XX/XX/XXXX which is under the name XXXX XXXX has been removed in my favor from my Transunion report between the dates of XX/XX/XXXX and XX/XX/XXXX, todays date is now XX/XX/XXXX and Ive spoken to NUMEROUS reps from Transunion claiming that XXXX XXXX is still under dispute investigation and has not been removed from my Transunion report which is CLEARLY FALSE I will be attaching proof that XXXX XXXX has been removed from my credit profile in my favor without any correspondence from Transunion nor taking responsibility for not updating me as the consumer of completion of dispute process, denying the dispute was finalized for the removal, and now claiming to have no record that the account has been removed on their end AS THE CREDIT BUREAU.

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Capital One opened three checking accounts, and three 'performance savings ' accounts. Each was opened with more than {$1.00} but less than {$2.00}. I did not open them, and have never done business with Capital One. All accounts were XXXX  out between XX/XX/XXXX and XX/XX/XXXX. I have a freeze on my credit ; I did not even know this was possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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 the fair credit reporting act XXXX  account # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-07-19 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 the fair credit reporting act XXXX  account # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts listed below has violated my rights. 

15 U.S.C 1681 section 602A States l 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I recently receive a XXXX XXXX XXXX XXXX Credit Card from Comenity Capital Bank, part of Bread Financial. 

Due to website issues it was approx 2 weeks after I received my card before I could register on the website. The company advised this was a known issue.

Once I was able to register and received the first statement, I tried to schedule a payment. There are 3 ways to make payment online : one time payment, automatic payment, and through their EasyPay option. Trying all of these, they all errored with " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. ".

I contacted customer service by phone when it first happened on XX/XX/2023. The agent said he hadn't heard of this issue before and said I should try again the next day. 

The issue persisted and I called again on XX/XX/2023. The agent said the website was having a number of issues and a fix would be implemented over the weekend and to try again on Monday, XX/XX/XXXX. 

The issue persisted and I called customer service again on XX/XX/2023. This time the again said it was a known issue and they plan to have the issue resolved by the first week of XXXX. 

The issue still persists as of XX/XX/2023. I have a payment due on XX/XX/XXXX. It is unclear if I'll be able to make that payment online. 

The company issued me a card knowing their website was not functional. That is irresponsible and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I have been trying to close this loan assumption with Mr Cooper Nationstar since XXXX. The buyer and I signed documents on XX/XX/XXXX and this loan is still not closed and the buyer is not able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.

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 2023-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
Hello, My car was declared a total loss in XX/XX/2023. My car loan with Bridgecrest was paid in full in XXXX of 2023. I have contacted Bridgecrest numerous times to request that they report to the credit bureau that my car loan has been paid in full. They have not done so and refuse to do so. I would like my credit report to reflect that my loan was paid in full. The information with Bridgecrest is below. They were paid a total of XXXX which paid off the remaining balance of the car loan.

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 2023-07-17 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: NY

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-17 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: EdFinancial Services
State: IL

Complaint narrative:
To Whom It May Concern : EdFinancial Services has inaccurately reported account balances to the three leading credit bureaus. During a recent call, I was informed that they have communicated to the bureaus ; however, the updated reporting was " only '' reported to XXXX, and if an appeal for updating is needed, I was instructed to open an inquiry with the three bureaus. This is unacceptable and violates the FCRA rules. EdFinancial should be able to communicate via API ( immediately ) to ensure credit reporting is accurate, as this impacts borrowing decisions. EdFinancial Services must provide precise reporting to ALL credit bureaus for my account today! 

Lastly, in conversation, I was instructed to find alternative avenues to correct the reporting. Unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TN

Complaint narrative:
I am a victim of the XXXX data breach. I have submitted the necessary documents to have the fraudulent accounts listed on my FTC reports blocked per the statute. This is a block request not a dispute!!

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 2023-07-17 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: TN

Complaint narrative:
I am a victim of the Equifax data breach. I have submitted the necessary documents to have the fraudulent accounts listed on my FTC reports blocked per the statute. This is a block request not a dispute!!

Company response to consumer: Closed with non-monetary relief