vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
This was a loan scam where the person was impersonating an representative from Speedy Cash. A loan company that I have never submitted an application too. I mistakenly gave out my account info and login info to my account. I received an online bank deposit and was told to go to XXXX or XXXX to get gift cards. If i did not get the gifts cards I was told that I would lose my job and that a police report would be filed against me. 

XX/XX/XXXX gave out my account info XXXX received an electronic check deposit that was not authorized for XXXX. 

XX/XX/XXXX was told to put all of that money on XXXX gift cards or I was going to jail, going to lose my job or have a police report filed against me. 

XX/XX/XXXX immediately changed account password XX/XX/XXXX spoke to XXXX XXXX XXXX to submit a claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Services, LLC
State: MO

Complaint narrative:
On or about XX/XX/XXXX, my credit report showed a debt with XXXX XXXX XXXX to be collected by Credit Bureau Services ( herein known as " CBS '' ). I disputed this information with XXXX, the company responded that I owe a medical debt from XXXX of XXXX. I have not received any prior notification about this debt and it only appeared on my credit report this XXXX. I attempted to contact CBS regarding the debt to make payment in full. I requested the company remove the debt from my report, which is customary practice when paying in full. The representative told me that they were unable to remove it from my report, that was up to the credit agencies. This is a lie. I have paid multiple collections in the past with written agreements and verbal agreements to remove the debt ( not just mark it as paid ) and my request was granted and the debts were removed. I informed the representative that she was lying, and she doubled down on her efforts to collect. I decided to pay the debt with the original creditor, XXXX XXXX. Upon calling XXXX XXXX, I learned that the collection amount was different from the amount owed. The amount stated owed by CBS was {$260.00}, XXXX XXXX said it was {$420.00}. I paid the full amount and informed XXXX XXXX that they must cease and desist all collection activity. I was told by XXXX XXXX XXXX XXXX XXXX that they did not have control over that but they would submit a letter to CBS saying the debt was paid. -- I also told him the address and phone number were incorrect. As you will be able to see, the address on the receipt and phone number are wrong... I haven't lived at this address or had this phone number for 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: NC

Complaint narrative:
XXXX  Account # XXXX, also known as XXXX AND XXXX, has violated my rights following the Fair Credit Reporting act. 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 : A consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: Freedom Mortgage Company
State: GA

Complaint narrative:
Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-23 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. These have been rough times during this pandemic and ive been trying to keep up with my personal matters

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 2022-05-23 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: TX

Complaint narrative:
My mortgage servicer, XXXX XXXX, is reporting a higher unpaid balance that what it owed. I disputed this with them at the start of the year and it was corrected and now it has happened again. My unpaid principal balance as of XX/XX/2022 is/was {$130000.00}. They reported for XXXX {$130000.00}. They are stating that they have to report past due interest, fees, and escrow. Until recently, they have never reported anything but the actual balance. This is effecting both my wife and my 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 non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been with Capital One since I was XXXX XXXX XXXX and have had minimal issues until now. On XX/XX/2022 I received a text message from the Fraud department asking if I attempted to make a purchase in which I replied no. My card was charged 3 times for a total of {$110.00}. I went to a gas station the day before this incident and must have dropped my card without realizing it. I called to dispute the payments at which some point the customer service rep asked me if I had my debit card with me. I assumed I had the card without checking to see if I actually had it and told the representative that I did have it. Because of this they have denied my claim and stated that I authorized the payments since it was chip enabled. They credited my account for the full {$110.00} but will remove the money from my account since the claim was denied. Ive been with capital one for over 11 years and have only disputed a payment less than a handful of times. I have tried to appeal their denial but they are not willing to solve this problem. I dont understand how Capital Ones XXXX department notified me of these purchases but denied my claim. I am beyond frustrated and upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: U.S. BANCORP
State: FL

Complaint narrative:
Elan Services ( Fidelity ) filed in the credit bureaus that I missed a payment. Fidelity/ Elan Services has not sent me any letters or called me to notify. They did not try to reach out to me. I have received absolutely ZERO communication from Elan credit card Services on outstanding payments. 

I learned about the late payment because they filed in the credit bureaus and I got an email alerting me. I immediately called Fidelity/ Elan and made the payment I tried to fix/ negotiate the issue with Elan Services . I sent a letter that they received on XXXX/XXXX/XXXX  where I explained that my account with XXXX was closed due to divorce proceedings ( I am not obliged to have auto pay on ) and I had contracted Covid while overseas which impeded me to check on mails or do anything really since I was laying in bed. I provided evidence that I could not even check my mail as I was overseas. I sent a copy of the air ticket and of the XXXX diagnosis. I arrived back in the States in XXXX I did have similar issues with other banks such as XXXX and they understood my situation. However, XXXX reach edit to me via a letter that I was able to read and act upon and they did not file anything to the credit bureaus. Fidelity/ Elan services HAS not reached out to me. They did not send any letter to me either. I checked when I returned. 

My complaint is that Companies like Fidelity/ Elan services should have notified me because they put me in notice for a very small value in the credit bureaus. It is disgusting that after being a customer for 5 years they treat me like that. And Frankly, even adding that I had XXXX  ( meaning I could not do anything as I was laying in bed ), was overseas and that they did not notify me, they are not willing to budge and remove the late payment status. I have considerable force majeure items that prevented me to make the payment such as Fidelity/ Elan services not notifying me and contracting XXXX XXXX 

This is an awful company and I would like your support to revert this.

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 2022-05-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OK

Complaint narrative:
I have been trying to resolve this since finding out in XX/XX/XXXX that my mortgage was being sold by XXXX to another company XXXX. At the time I was on a forbearance plan due to company furloughs because of XXXX. I was planning to resume payments in XXXX which I wasn't able to do because of the transfer. I filed a complaint on this website on XX/XX/XXXX because XXXX  failed to reply to my numerous requests for information. They did however send you a letter so the case was closed even though my questions and concerns were never really addressed. Despite my leaving numerous messages since then I still have not been contacted by the person they say is over my account. They did finally apply the funds by XXXX  to my account and sent me the modification documents stating it was done and I was to begin paying on XX/XX/XXXX. I am still however waiting to see if the XXXX funds will be approved and applied to the remaining past due, as of the last conversation with them XXXX had still not replied to their requests either. Now on XX/XX/XXXX I received another letter from XXXX saying they have sold my mortgage to a new company called XXXX XXXX and I am to begin paying them effective XX/XX/XXXX. I have been in this house since XXXX and until XXXX and XXXX never missed a payment. I do not want to lose it but this mess has gone on long enough. Will you please tell me who to contact if you can't help this time as I am beyond fed up!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit Acceptance Corp sold me a vehicle that had mechanical problems and 3 months after I purchased the vehicle the transmission blew out. Credit Acceptance Corp reached a settlement agreement with me in XX/XX/2021 and promised to settle the debt and delete from my credit report. However, Credit Acceptance Corp is causing severe damage to my credit by reporting the account every month on my credit report with a new balance.

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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i wrote a letter to equifax and sent it via certified mail tracking XXXX on XX/XX/2022 it was received detailing several accounts listed wrongly most importantly my child support was listed as delinquent and it has never been i provided my case no and proof of pay stubs that the court ordered payments taken directly from my salary and paid out to the mother of my son weekly. I have shared custody and gave them all details so they can report it correctly still nothing was fixed and noone has responded. this is causing my rate for a mortgage i applied for to be higher than necessary. The discrepancy is financially hurtful and offensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX  days 0

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 2022-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: CO

Complaint narrative:
I have not been able to access my online accounts for over 11 days now. I can not see any transactions, account balances or any other information through online banking. Additionally, I can not see or make any payments towards my credit card through this bank. VyStar has provided no timeline as to when I can expect to access my accounts again.

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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX  months XXXX  days 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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Paid and resolved in XXXX XXXX ( from XX/XX/XXXX - bad debt/did n't belong to me to start with - Per attached court documents. Should not show as I made a payment. 
Should be removed as XXXX/remove as agreed, why is XXXX XXXX XXXX/LVNV not being held accountable for this? 
My credit is yet being damaged again. This is be XXXX and removed. Please help. 
I paid an Attorney to fix this from being sued in court over a balance I do not owe to start with. Please help. 
Showing the $ XXXX payment is actually worse on my credit- than they way it was XXXX XXXX in as bad collections. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting on my credit report a debt that does not belong to me. The debt is from XXXX XXXX which is a utility company in the state of Texas. I have never lived or resided in the State of Texas. My entire life I have lived in the state of California. I have contacted XXXX XXXX multiple times and they have neglected and refused to remove the fraudulent info from my credit report. The debt has impacted my credit score negatively

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 2022-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
I have a collections bill that after repeated attempts have not received any verification what the bill is for. I called Wakefield and Associates after receiving a bill for {$710.00} to ask what exactly the bill was for. I had not received any previous notification that anything was owed in this amount. Wakefield and Associates informed me that this was a XXXX bill and that I needed to write them an official letter to receive an itemized receipt. I did that and received a letter back on XX/XX/2022 saying that I owed XXXX XXXX XXXX, XXXX. This was not in any way an itemized receipt. I am writing today because I do not believe I owe anything to this company, but I have no way to prove this. My family and I are enrolled in a program called " charity cares '' at our hospital, XXXX XXXX and this program takes care of unpaid bills because we have qualified as a low-income family. I am not sure where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, The 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