vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: VA

Complaint narrative:
I have received two letters from " Revco Solutions , Inc. XXXX XXXX XXXX XXXX OH XXXX '' for faulty or fake debt that the company claims I owe XXXX for electric services to an apartment I lived in XXXX years ago ; however, I check my XXXX account which, I closed out in XX/XX/2020 in full, and XXXX indicates I did not owe them anything and no longer have an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
This company maliciously damaged my credit report without allowing a rebuttal. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This debit is not owed by me due to filing errors and due to a change of insurance companies at my last job ( not my fault ). I have tried to correct this by mail but no response form the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit history is unavailable and has disappeared on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: AL

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 confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

* XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has violated my rights. 

XXXX XXXX XXXX  Account # 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 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 non-monetary relief
Consumer complaint received 2022-04-22 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: PA

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

15 U.S.C 1681 section 602 A. States I have rights 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 2022-04-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received results from reinvestigation report from Experian stating that my results had been verified. On XX/XX/2022 I sent certified mail ( XXXX ) requesting according to 15 USC 1681i ( a ) ( 7 ), the description of reinvestigation procedure. The company received on XX/XX/2022 @ XXXX pm. Today is XXXX XXXX, I have not received the documents that the law says I, the consumer, is required to have. This is noncompliance to what the law states and for each non compliance I am due " in any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

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 2022-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
One bank was saying they never received it and the other saying sent it neither Bank wants has the money it's like it disappeared out of thin air the amount was {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: MI

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account : XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
On, or around XX/XX/2022, my grandfather ( Upwards of XXXX yrs of age ) started receiving phone calls at XXXX EST regarding a debt that does not belong to him. He Has been recovering from XXXX and has other medical issues. I have since called the company and have given them all of the correct contact information. I have also requested multiple times to have his number removed and to stop calling his phone number. They continue to call every single day starting at XXXX am EST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: GA

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. 

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


15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.al inalienable rights reserved.

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 2022-04-22 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: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
My Family and I moved from XXXX, New York to Maine in XXXX of XXXX. Shortly after that, someone with access to my old building started stealing my mail. First a XXXX XXXX credit card issued to me, was mistakenly sent to my old address. In the process of clearing that up, I asked XXXX XXXX to tell me what items were purchased. All of the items were things I never bought, and one particular transaction was for an item that was delivered to another apartment within the same XXXX building while I was living in Maine. XXXX XXXX XXXX XXXX Department investigated the fraud, cleared it up, and sent the new card to the right address. 
The second incident went on without me knowing until around XX/XX/XXXX. I received a call from XXXX  XXXX in Maine. I had applied for a line of credit with them, and they made a credit inquiry which revealed that there was one outstanding delinquent account in the amount of {$21000.00}. I then requested a credit report XXXX, XXXX XXXX and XXXX, which gave me access to the information about the fraudulent account. The account in question was for a retailer named XXXX XXXX, and the company who issued the credit was XXXX XXXX. I called XXXX about the fraudulent account, and they asked me to verify the account number, but the credit report I had just requested, only gave me access to the first 12 numbers in the account ( the last XXXX digits were obscured ). I explained this to the XXXX XXXX. representative, and they said I needed the last four digits of the account. Of course, I never got access to the complete account number because whoever fraudulently applied for the account using my personal information, didn't bother to have the bill sent to my current address. So I never had access to the full account number until XX/XX/XXXX when I received a letter from Portfolio Recovery Associates , LLC, a collection company who bought the bad debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
In 2019 I received a settlement from XXXX for the privacy breech. This year after years of on time payments and several payoffs on my costco citi card my credit limit was reduced to {$500.00} without cash advances from {$2000.00} limit. They sent some letter saying XXXX sent a low score but my score has been in the mid XXXX to XXXX and I continue to monitor my credit due to fraud. I see this as a retaliation by XXXX because none of my other cards have done this action and after all my work of on time payments and payoff I should be getting an increase. This decrease will only hurt my credit score in the long run doing the opposite of what I was hoping to achieve in better credit

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 2022-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Concord Servicing Corporation
State: TN

Complaint narrative:
They charge {$5.00} for payments over the phone or on-line, but not on the much more manual method of sending in a paper check. Then they categorize that charge as 'Late Fees '. The payments made over the phone or on-line post in XXXX hours. According to Subsection 1026.10 ( e ), fees can not be imposed on payments made by mail, electronic, or telephone unless that method involves an 'expedited service '. XXXX hours posting seems a standard for creditors to post payments, no an 'expedited service '. Is this creditor, Benji/Concord , hiding these {$5.00} per payment charges to their customers by categorizing them as 'Late Fees '? If so, is this an illegal business practice? 
Any and All interest accrued or paid is not reflected at all on the paper Billing Statements they send out. 
My final payment made and discussion had with Concord was on XX/XX/2022, at XXXX, with representative 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 2022-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
My homeowners insurance billed my escrow account for my premium. My escrow account underpaid my premium and now my homeowners policy is set to lapse due to underpayment. When I called my loan servicing company ( Mr. Cooper ), they said the error was due to miskeying in payment processing. The were subsequently billed for the underpaid premium and never made this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: MI

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
GM is constantly misapplying my additional principal payments. I have to call the customer service dept every month to ask that they reapply the additional principal payment i make AFTER I've made the corresponding payments due. 

The last TWO loan statements indicate that GM is applying my additional principal curtailment to interest that's not yet due. This is considering I've already made the monthly payment that's due. 

For example. The XXXX payment is due XX/XX/XXXX i paid it in full XX/XX/XXXX and then two days later made another payment. They constantly misapply the payment to next months interest. 

I feel not only wasting mine and everyone else time but causing financial harm. Forcing me to pay more interest on a much higher balance. 

I'm tired of calling GM financial every month. They need to update their systems to ensure funds are not misallocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I, XXXX XXXX, Consumer, Living person sent in a payment of {$950.00} in a remittance payment. I turned the statement into a negotiable instrument & money order. I have put my beneficiary signature in it also, ucc codes stating what exactly to do with payment and why it is a valid payment according to federal laws. On XX/XX/2022 a certified mail this payment. Attached below aswell. On Saturday XX/XX/2022 it was received by a employee from American Express from the post office. Now the payment can not be found and did not apply payment to my account. Theyre committing fraud for not applying my credit to my account. Also, with billing errors and contacting me the consumer. I have provided tracking number for proof of sent of payment but they have failed to apply my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I do no know the origin of this loan as when I contact Navient they state they have no record of me at all. However I have two charge offs my credit report in which I disputed and they reaffirmed as XX/XX/2022. How can you re affirm a debt you can not prove the orgin of? I am trying VERY diligently to purchase a home and this is standing in the way of me having a stable place to live. I need these two negative items removed from my XXXX credit report so I can have a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Augusta Collection Agency, Inc.
State: NY

Complaint narrative:
on XXXX XX/XX/2022, AUGUSTA COLLECTION AGC flagged my account as Collections for a {$56.00} balance. I have never heard of this company, they have never spoken to me in person about the debt, they have never spoken to me by telephone about the debt, they have never mailed me a letter about the debt and I have never received an electronic communication regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: AL

Complaint narrative:
XXXX Companies {$3700.00} XXXX Companies {$2100.00} XXXX {$220.00} XXXX XX/XX/XXXX XXXX was contacted by attorney for payment settlement offer and respones exceeded the insurance for pay out. XXXX opened XX/XX/XXXX & XX/XX/XXXX. Settlement with XXXX company was on XX/XX/XXXX. My attorney contacted XXXX XXXX, XXXX ( XXXX XXXX ) numerous times to no avail. I directed them back to my attorney and have since received numerous calls at all hours of the day. 

XXXX XXXX  XXXX XXXX {$53000.00} XXXX XX/XX/XXXX XXXX was contacted about student loan forgiveness application being submitted. They steadily increase the interest which has risen from {$33000.00} to {$53000.00}. XXXX Opened XX/XX/XXXX. XXXX closed down citing financial challenges and accreditation issues. No transfer of credits. XXXX XXXX debt clean. 

In accordance with the Fair Credit Reporting Act Convergent Accounts XXXX XXXX, XXXX and XXXX XXXX. of XXXX have violated my rights. 

15 U.S.C1681 Section 602 A. States I have the right to privacy.

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

Company 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 2022-04-22 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: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
I opened an installment loan in XXXX of 2021, with Sun Loan Company, which is located in XXXX, MO. I have never been 30 days late on the account, and I have that in writing from the branch manager. The was reporting on-time payments, but the payment history on my account changed. I did not stop making payments. The manager at this location, XXXX told me the wrong amount to pay which has ruined my credit. I was denied a job, due to her negligence. I have six other loans, and two mortgages, besides this loan, and have never been 30 days late. I went into Sun Loan on XXXX and paid off my account. The manager apologized for telling me the wrong information, but that does not fix the issue on my credit. I am XXXX American and educated. I have worked very hard, and I will take legal action, if this issue is not resolved.

Company response to consumer: Closed with explanation