vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: MN

Complaint narrative:
SECOND ROUND LLP has been harassing me on several occasions over the past year to try and collect debts. They purchase debts from mainly XXXX XXXX but there are others and then attempt to get the money from the consumer in a sterner formatted letter and if you dont respond accordingly, they have a law firm they work with ( XXXX XXXXXXXX XXXX ) that then garnish your wages in which they did to me on one occasion in the last six months and made other attempts but didnt succeed. They first came to me about 6-8 months ago and attempted to garnish my wages and hadnt even sent me anything AT ALL! When my HR person contacted me telling me they received a legal letter to garnish my wages abs I freaked out because I didnt know what it was. I about fell out of my chair, both in sick and embarrassment. This was a new job and I am XXXX! When I reached out to them and threatened them to stop because they hadnt even informed me, they retracted immediately. However, about three weeks later i got something in the mail and my company received another formal letter to garnish my wages in which they had to. From then on it got worse and NONE of the attorneys would speak to me or take my calls and the only people that do are customer service and theyre completely rude and sarcastic and dont care that your whole world is being turned upside down. They claim you need to speak to an attorney and yet you never get through to one.I became so frustrated and told them I paid these balance ( s ) or that they werent even mine but it didnt matter at that point. When I reached out to the credit card company they dont even know who SECOND ROUND LLP is and many arent sure how its getting to this connection agency. The one debt from XXXX, the person felt terrible but couldnt help me at that point because it has been sold to Second Round. I tried explaining this wasnt even my debt it was listed under my ex husbands name but it just didnt matter at that point. They then had the law firm garnish my wages at over 40 %! Im a single Mom and have XXXX  daughters that are XXXX and they take daily medications. I ended up paying it and it cost nearly {$1000.00} more with the fees from their firm. Totaling like nearly {$3000.00}. And the original debt was {$1600.00}. Now, theyre coming at me again for a ANOTHER DEBT that is from XXXX, over six years. A XXXX XXXX XXXX in the amount of {$3800.00} and I honestly cant take it!! They will be threatening my new job AGAIN by garnishing my wages and I wont be able to pay my bills and live when they do that! They have to STOP! Its killing me and my family! PLEASE SOMEONE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: NJ

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: NJ

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
sent certified letters out to : 1XXXX 2.TransUnion 3. And XXXX. Telling them I never lived at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX ). XXXX is the only bureau that checked their sources and depleted it off their report records. To this day, XXXX & Transunion has not. I think I may still have a copy of those letters. I have one more place I can check tomorrow If not I will go ahead with the following. Please find enclosed downloads which I investigated showing that this address is a business address and not a residential address. 

ATTACHMENTS XXXX ( XXXX MB ) XXXX ( XXXX MB ) XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) View full complaint

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 2022-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Westlake Financial is continuesly reporting on my credit inaccurately. They have been provided ample amount of time to correct their errors. Multiple disputes via XXXX, XXXX and XXXX. They insist on not correcting their mistakes properly. Due to my rights by law as a consumer and fair credit reporting act I have the right to fair and accurate reporting on my credit.Thank you for your help in the resolution of this particular matter, issue! 
XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
First : XXXX XXXX is reporting negative information while being on a Covid Relief Plan which I was told would not affect my credit report. They are reporting late pmts because when XXXX XXXX merged, they left my name off the mortgage acct and I had to get an attorney to make them accept questions & phone calls from me because my spouse died. 

Second : XXXX could not provide service that worked at my house, so I cancelled it. They are showing a charge for equipment & a contract cancellation. It was their fault it their service would not work at my house. I have signed receipts from a customer service rep at XXXX showing I returned ALL of their equipment. 

Third : XXXX is showing an amount due for breaking a contract, but they will not provide me with a copy of the contract. I was told numerous times when I bought their service that there was NO contract. I sold my house & had to disconnect it. 

Fourth : I had perfect credit on this account until the XXXX did not apply my credits to my credit card, so after fighting with them and refusing to pay and closing my account, they kept adding interest for several months before closing it. 

Fifth : XXXX XXXX, I had a {$68.00} balance, and returned an online order for {$75.00} which they did not credit to my account. Fought with their customer service to no avail, closed account.

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 2022-02-15 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: TX

Complaint narrative:
Hello, my name is XXXX XXXX and this is my second attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. 

I look forward to your prompt attention.

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 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: NM

Complaint narrative:
Previously reported Amsher Collections and XXXX for potential violations pf the Fair Credit Reporting Act. Today I received an alert that my SSN was sold on the dark web via a XXXX breach. This is the first time anything like this has ever happened and I find the timing very suspect.

In response to amshers note on my previous complaint : I need a dated letter signed by your representative explaining that this will be removed from my credit with all credit bureaus within 5 business days of receipt of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to request for the removal of the erroneous information about my accounts that has been neglected by TransUnion Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my TransUnion Credit File. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$12000.00} XXXXXXXX XXXX  Opened XX/XX/XXXX Balance {$3800.00} XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
NewRez, LLC/Shellpoint Mortgage Services ; our mortgage servicing company, made a billing error on our mortgage account that has adversely affected our credit rating. Despite efforts to resolve this issue, NewRez/Shellpoint has not responded to a written request dated XX/XX/XXXX, to correct their billing error of {$180.00} and reported us delinquent to credit bureaus. 

My wife and I refinanced our VA loan with XXXX XXXX XXXX in XXXX of XXXX. The monthly loan payment was {$4500.00}, which included principle, interest, and escrow ( taxes and insurance ). 

In a letter dated XX/XX/XXXX, we were notified that NewRez LLC was going to service our mortgage account. As directed in that letter, effective XX/XX/XXXX, we made our loan payments to NewRez/Shellpoint in the amount of {$4500.00} via our banks bill pay service. 

We received a hard copy billing statement each month indicating {$4500.00} was the total amount due. For an unknown reason, the NewRez/Shellpoint XX/XX/XXXX, billing statement indicated the total amount due was {$4300.00}, not {$4500.00}, {$180.00} less than normal. A payment of {$4400.00} was sent on XX/XX/XXXX. Note, by rounding the amount up, we had unwittingly narrowed the NewRez/Shellpoint initiated/created deficit amount to {$160.00}. 

Upon returning from being out of town the last week of XXXX and the first week of XXXX, we finally learned of the XX/XX/XXXX, notification from NewRez/Shellpoint indicating thaXXXX our mortgage payment for XX/XX/XXXX was over 17 days past due. We were very concerned as we knew we had not only made the XXXX payment, but the XXXX scheduled payment amount of {$4500.00} as well. We called NewRez/Shellpoint on XX/XX/XXXX to discuss the late fee of {$140.00} and delinquent balance of {$160.00}. The agent waived the late fee charge and we immediately paid the balance via our banking institution as is reflected in the attachments. 

We thought the matter resolved, but we also received a legally required notice on XX/XX/XXXX, dated XX/XX/XXXX, indicating that we had recently missed our mortgage payment. We were given a point of contact to call, XXXX XXXX at XXXX, ext. XXXX. After several attempts to contact this induvial on XX/XX/XXXX and XXXX without success, we drafted and mailed an Error Resolution Notice under 12 C.F. R to NewRez/Shellpoint to address this situation. We have received no further contact from NewRez/Shellpoint other than the monthly billing statements. We have reviewed our credits reports and note adverse reporting that the XX/XX/XXXX billing was 30 days in arears. 

Attachments include copy of letter to NewRez/Shellpoint and mailing information with receipt confirmation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I filed for Bankruptcy last year because of covid and I not being able to pay my bills. I was finally able to get a job, but I am still trying to survive. I asked for a covid forbearance and they will not give me one. I only used one month of the covid forbearance. The other was for me filing bk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Company is reporting that i have a loan with this company that i never took out or have no knowledge of, this loan is showing up on all three of my credit reports.

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 2022-02-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Company is reporting that i have a loan with this company that i never took out or have no knowledge of, this loan is showing up on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: GA

Complaint narrative:
Company is reporting that i have a loan with this company that i never took out or have no knowledge of, this loan is showing up on all three of my credit reports.

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 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
First : XXXX XXXX is reporting negative information while being on a Covid Relief Plan which I was told would not affect my credit report. They are reporting late pmts because when XXXX XXXX merged, they left my name off the mortgage acct and I had to get an attorney to make them accept questions & phone calls from me because my spouse died. 

Second : XXXX could not provide service that worked at my house, so I cancelled it. They are showing a charge for equipment & a contract cancellation. It was their fault it their service would not work at my house. I have signed receipts from a customer service rep at XXXX showing I returned ALL of their equipment. 

Third : XXXX is showing an amount due for breaking a contract, but they will not provide me with a copy of the contract. I was told numerous times when I bought their service that there was NO contract. I sold my house & had to disconnect it. 

Fourth : I had perfect credit on this account until the XXXX did not apply my credits to my credit card, so after fighting with them and refusing to pay and closing my account, they kept adding interest for several months before closing it. 

Fifth : XXXX XXXX, I had a {$68.00} balance, and returned an online order for {$75.00} which they did not credit to my account. Fought with their customer service to no avail, closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: NV

Complaint narrative:
On XX/XX/XXXX I contacted Bank of the West by telephone regarding a payment which was taken out of my account after a 3rd party purchaser paid off my loan balance of {$3000.00} on XX/XX/XXXX. The representative confirmed that there was an a payment which was taken out and that my funds would be reimbursed once I faxed in my bank statement showing the payment on XX/XX/XXXX. 

After that call to Bank of the West, I contacted my bank, XXXX XXXX to request a stop payment on any future payments from my account. I received a notice from Bank of the West dated XX/XX/XXXX which stated that I had a balance of {$610.00} due with a {$15.00} processing fee. 

I called Bank of the West and I was informed the balance that I owed was for a payment which was reversed on XX/XX/XXXX for a payment that was due for XX/XX/XXXX. After checking with my bank I was informed that there was no reversal in XXXX from the XXXX payment. 

I went in to Bank of the West on XXXX XXXX. in the city of XXXX to request additional assistance to contact customer support since I was being asked to again send in my bank statements showing the XXXX payment never being credited to my XXXX XXXX. 

I received a call today from a costumer service representative by the name of XXXX at phone number XXXX who again said that the balance owed is for my XXXX statement. After receiving the same information from XXXX. I received a call from XXXX at the XXXX office who said also that he was told it was for my XXXX statement. 

I have provided my bank statement to show that I was not reversed the amount which was for the XXXX statement. I was told that my bank has to reimburse me to make the missing payment. I really need help resolving this issue but the representatives at Bank of the West are not able to understand that I have not been reversed the XXXX statement even when I am providing my XXXX XXXX statement which clearly shows that the payment was made.

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 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like to request for the removal of the erroneous information about my accounts that has been neglected by Experian Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my Experian Credit File. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX Opened XX/XX/XXXX Balance {$3800.00}

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 non-monetary relief