vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, XXXX # XXXX, XXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I tried disputing several accounts and inquires on my credit report but nothing has been done and I have given my supporting details and documents but due to my inability to properly identify myself or security questions given.

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 2023-03-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Please See Attached Files... .I have made numerous dispute attempts with Equifax to rectify a public record reporting inaccurately. In previous dispute attempts I provided documented proof of this public record being removed from other credit bureaus. Also, in addition Equifax has claimed to have been provided the public record information from a 3rd party ( which is illegal ) and furnished it on my credit report without my consent. I have attached a copy of my suppression confirmation from XXXX so I question the validity of Equifax 's verification of this public record being reported to my credit report. ( I have provided confirmation of said suppression from XXXX in attached file ) I have made reinvestigation requests to Equifax, which they have not honored, I have requested documentation of proof that this account belongs to me, which they have not provided. This, and many other unlawful practices made by Equifax, is in clear violation of my consumer rights under the FCRA under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b. I ask that this bankruptcy be removed from my consumer report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery keeps calling all times of day and night. They are saying they have filled court cases with me because I an alleged debt. Different numbers call from all area codes saying Im committing a crime and they will sue me and garnish my wages. I do not owe such debt. I filled several disputes with the credit bureaus but they say it all comes back as investigated. Which is untrue. I am the only one who can verify if I owe a debt. Theres no contract or wet signature saying I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 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: IL

Complaint narrative:
I contacted all the credit companies and the XXXX XXXX to tell them that its fraudulent activity with the account and theft and to close all Account associated with XXXX, all the credit companies and the XXXX company was negligent in doing so, now they are doing all type of shady practices and added a random XXXX dollars on my credit report for no reason at all and i tried to call every company I got hung up on and now answer I want you guys to step in on my behalf please. This isnt right what they are doing is illegal, please verify that for me.

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 2023-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Credit report on XXXX showed a credit inquiry on XXXX at MACYS/CITIBANK N.A . which I did not authorize. Called XXXX  and reported the issue and had inquiry removed. Called Macys XXXX fraud department, Representative confirmed an online application was submitted on XXXX. The application was cancelled and reported to the 3 credit monitoring agencies.

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 2023-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: OR

Complaint narrative:
Back in XXXX of 2020 my credit card # was used to make a purchase to XXXX for {$480.00}. I called XXXX to dispute the charge and they told me I had to dispute it with my credit card company. After disputing the charge with my credit card I figured the whole thing was done. I recently started to receive collection notices from Cedar Business Services for an amount turned over for collections from XXXX. I have spoken to Cedar Business Services in XXXX disputing the the collections attempt. The individual I spoke with referred to an email account used to make the purchase that is not mine, nor is it anyone I know. the address the items were delivered to is not mine nor is it the address of anyone I know. I fully dispute this charge and collections. It is not mine and was not authorized by me or anyone in my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I reached 120 payments for PSLF and mailed my application to Mohela in XX/XX/XXXX. Mohela denied my application in XX/XX/XXXX stating that I have not yet made 120 payments, which is not accurate. I now have well over 120 qualifying payments. I called 3 different times in XX/XX/XXXX and was told 3 different answers, stating that it still takes time for the payments to be counted. I called again in XXXX and someone said they would send my account for review. In XXXX there was still no progress, so I called again and the woman said the last person sent it for review incorrectly. This new person sent it for review again. After a few weeks, 6 of my payments were correctly counted. However, I am still missing payments from my qualifying employer ( the XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX. One payment from XX/XX/XXXX was counted, but I am still missing 9 payments. I have called Mohela 6-7 times over the last 2-3 months to get this issue resolved, with no resolution. I am constantly placed on hold and having my time wasted. My forgiveness application was complete, organized, accurate and concise, and Mohela was still not competent enough to properly process my application or my payment counts. I have spent hours and hours on the phone with Mohela with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Points LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint against CreditPoint720 for their failure to cancel my account and continuing to charge me despite my attempts to cancel their service. 

I subscribed to CreditPoint720 's credit repair service back on XXXX. However, due to unforeseen financial circumstances, I am no longer able to afford the monthly subscription fee, and this is the reason I asking to cancel this service. 

I have attempted to cancel my account with CreditPoint720 multiple times via email, text, and through their client portal, but I have not received any response from them. On XX/XX/2023, I called their customer service line ( XXXX ) several times, but no one responded. I have also sent messages directly to XXXX XXXX, the customer service representative I was assigned to, but I have not received any reply from her. 

I have given them more than enough time to process my request, and yet they have not acknowledged my efforts to cancel their service. 

I believe that CreditPoint720 's lack of response and failure to cancel my account is a violation of my consumer rights. I am now facing financial difficulties, and I can not afford to continue paying for their service. Despite my attempts to cancel, CreditPoint720 has continued to charge me for their services, which is causing me undue financial hardship. 

I would like to request that the Consumer Financial Protection Bureau investigates this matter and ensures that CreditPoint720 cancels my account and stops charging me for their services and continue increasing my due amount. I would also like to request a to remove all charges that were made after I requested to cancel my account. 

Thank you for your attention to this matter. I hope that the Consumer Financial Protection Bureau can help me resolve this issue. 

Sincerely, XXXX

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 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have banked with Wells Fargo for over fifteen years and this is the first time that Wells has let me down. I used my Wells Fargo business card to make a purchase from this company named XXXX out of Colorado in XX/XX/XXXX. After some time had passed, I called XXXX about the product that had been ordered from them and I was told that the product was shipped to the wrong address and returned back to them. i asked XXXX to refund me my money back to my card in the amount of {$160.00}. Of the {$160.00} that was owed to me, XXXX ONLY returned {$120.00} and kept {$35.00} for no reason at all. I filed a complaint with Wells Fargo Claims Assistance Department on XX/XX/XXXX and was issued a claim Number XXXX. After several attempts to get Wells Fargo to get my money back from XXXX, Wells Fargo stated that VISA would need to get the money back since it was a VISA card that was used. Wells Fargo and I had been in communication until I never heard or received any more information as to what was happening to my money until I called on XX/XX/XXXX to only be told that my claim was closed. Wells Fargo didn't stand behind their purchase protection policy to ensure that their customer ( s ) get all their money back from any vendor if the customer did not receive any of their product and in this case I didn't and I want all my money back and not a partial refund.

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 2023-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I received notice that due to an escrow shortage, my monthly payment is increasing by over {$700.00} which is over 27 % starting in XXXX. I called to request this shortage pay back be spread over more months to help offset the cost. SPS Mortage refused to work with me even though this escrow shortage was not my fault nor did I have control over it. In XXXX the monthly payment is set to increase by {$880.00} dollars per month. SPS Mortage is being punitive to customers that are in financial distress and is unwilling to work with homeowners to allow them to keep their houses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I AM RESUBMITTING THIS. My original complaint was # XXXX. CFPB wrote me back that they cancelled this complaint since it was already addressed. IT WAS NOT. Said something about " credit repair ''? I assure you, this is XXXX XXXX and this is not mine. The orignal complaint that was ignored was : I have reached out to Harvest Associates 3 times now. I know i do not own this debt, it is only on the XXXX bureau. I have just asked them to show me what they have. I reached out in XXXX, XXXX, and XXXX to no avail. I also reached out to XXXX twice but i really wanted Harvest to show. me this debt and they have not. They have NEVER made contact with me, they have NEVER answered me, and its because they know the debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
My Credit KarmXXXX account was closed due to fraudulent activity and have since been banned from using their credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Ultimately, my debt is invalid or inaccurate, and I have the right to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: CA

Complaint narrative:
I have had this Comenity Ulta Mastercard for a number of years. In the past year, I have noticed the payments are not applied as you submit them on the website. I pay my statement balance each month to avoid interest. But the website never takes the full amount that you request. Therefore, exposing you to high interest charges. When I notice this fact in my bank account I go back in and make an additional payment, but if I don't notice it, I end up getting charged the high interest rates. I believe it's a scam to be able to charge customers and make money fraudulently. I have called customer service multiple times and complained about this flaw, with no avail. I am cancelling the card but thought it should be documented what they do and hopefully corrected in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
Received a pre-selected offer via US Mail from Aspire Credit Card ( Bank issuer is XXXX XXXX XXXX ). It said in bold letters under " A More Rewarding Card '' that it will have NO ANNUAL FEE, Plus earn 3 % Cash back which made it enticing for me to apply. After I applied through their instruction I was approved for {$1000.00} Credit limit but I would have to pay {$170.00} Annual Fee and a Maintenance fee of $ XXXX. I think this is misleading because that is the only reason why I applied for the card to begin with. And the disclosure did not mention anything about this in their terms from what I read.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I had my XXXX passed a way in XXXX and I had to go out of country for her funeral. After I came back I updated that my mum passed away and lost the job/income and getting back to pay the mortgage. 

Since then, they asked me to provide the death certificate and I provided that as well. After that, I have been getting so many letters from the mortgage company and they said to verify the information about the dead person had another any other mortgages in any other CA/WAS states. 

I just called the mortgage company and found that they had email that I do not recognized and its associated with my name and the one listed below. 

XXXX _I DO NOT HAVE THIS, and I believe this is a Fraud Email. 


I only use one email and I informed the mortgage company to stop/ delete that email right away. 

I am not sure what other fraud out there under that email with my name but I just want to report this fraud email to you. 

I hope people will stop all these crazy fraud emails and misusing other people 's information. 

Thanks, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
On XX/XX/2023, Resurgent Capital Services L.P responded to the original complaint on this alleged debt. Resurgent stated : " Resurgent does not condone harassment or unprofessional communication with customers, as it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account, we found no evidence of the mishandlings alleged in the inquiry. '' They stated it's their goal, not that they dont make mistakes regarding compliance with federal laws ( FDPCA ) and regulations. Let me be clear Resurgent sent my father an email regarding hearsay information on this alleged debt. Also, may I point out this was before I received the 1692G letter on this alleged debt in the mail. Resurgent Capital Services L.P and LVNV Funding LLC are violating federal law. It clearly states this is a violation under 15 U.S. Code 1692C ( B ). Resurgent clearly states in their privacy notice that they do not share information with third parties. Resurgent & LVNV Funding LLC is clearly violating their own privacy notice regarding federal law. I demand Resurgent to explain their investigation process. I demand Resurgent and LVNV Funding LLC to close this account within their offices, I demand Resurgent & LVNV Funding LLC to cease collection activity on this alleged debt, and Resurgent & LVNV Funding LLC shall not report to any credit agencies. If Resurgent and LVNV Funding LLC does not comply with the information above I will fully enforce 15 U.S. Code 1692k. I will not be harassed, my family will not be harassed, and I will not do business with either Resurgent or LVNV Funding LLC that I did not consent to on an alleged debt.

Company response to consumer: Closed with explanation