vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 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: CA

Complaint narrative:
XXXX XXXX HAS BEEN CAUSING ISSUES ON MY CREDIT ALL YEAR LONG THAT HAS CAUSED ME FINANCIAL LOSS AND OPPORUNITY. THIS ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY. ALSO, XXXX IS FURNISHERING MULTIPLE VARIATIONS TO EACH CREDIT BUREAU. THE XXXX XXXX ACCOUNT IS BEING REPORTING DIFFERENTLY TO XXXX, EXPERIAN AND XXXX AT THIS TIME. MORE SPECIFICALLY WITH EXPERIAN. PLEASE SEE XXXX EXPERIAN REPORTS ATTACHED. 

REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 
REPORT DATED XX/XX/2022 SHOWS XXXX LATES WHICH IS HOW ALL XXXX BUREAUS SHOULD BE REPORTING. 
REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 

PLEASE DELETE THIS TRADELINE FROM MY CREDIT ASAP AND/OR REMOVE THE LATE PAYMENTS.

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 2022-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I fell past due on my mortgage on XX/XX/, and prior to falling past due on my mortgage, I reached out to SPS for Mortgage Assistance under XXXX XXXX forbearance program, which I was placed on, SPS agreed to put me on the forbearance program, and they agreed to help place the amount was past due to the end of the loan under a partial claim program. I was advised, once I was ready to resume making payments, I was to call them to let them know I was ready to do so. 

Unfortunately, SPS advised me to fill out the loan modification assistant package and supply with all supporting documents, which I did, even though under that partial claim program, I was advised that I did not have to submit any documents under the partial claim program, and that the review process under the partial claim was to be document less. 

After waiting several months for the decision and having to supply them with the same repeated documents numerous times, they declined my request for assistance stating the reason that under the servicing the agreement governing the account, that the request for assistance option was not available. 

After again, numerous attempts and trying to get clarification on the denial, SPS refused provided me with any actual information to try to get mortgage assistance on my loan. 

Up to this date they never gave me a reason for denial as well SPS had foreclosure against my property while I was in review for mortgage assistance. 

SPS never assigned a single point of contact exclusively to my case which made it harder for me to receive results from them and I went to the extent to offer a contribution amount towards the past due balance and after all my attempts with SPS, the only option they gave me was foreclosure or short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
According to the FDCPA I am excercising my right as a consumer and you have violated me on multiple levels including defamation of character, invasion of privacy, harassmemt and soliciting private information for financial gain! I demand remedy as is my right pursuant to 15 USC 1692. I demand you CEASE all communications with me through ALL mediums. Please see attached documentation for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Im accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan 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 2022-11-21 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: LA

Complaint narrative:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: LA

Complaint narrative:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan 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 2022-11-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Goal Structured Solutions, LLC
State: NV

Complaint narrative:
This message was sent by me to Loan company on XX/XX/2022 I, XXXX XXXX, filed for XXXX  XXXX Bankruptcy and had this debt/loan discharged on XX/XX/2022. I should not have had any payments collected after this date. Institution Information : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, KS XXXX XXXX This message was sent to me on XX/XX/2022 Hello XXXX XXXX, We have reviewed your account, and your previous Bankruptcy filed. The obligation for XXXX XXXX is still active, regarding the student loan debt. The order of discharge provides most student loans are not discharged and this debt is non-dischargeable pursuant to 11 USC Section 523 ( a ) ( 8 ) ( B ). If you have any questions regarding your options to pay this educational loan, please contact us. Thank you, The Launch Servicing Team XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal has already begun investigating this case, but I am still having a difficult time getting this settled. I need Navy Federal to ensure that it has flagged every payment made to XXXX XXXX, because, according to XXXX XXXX, it appears that there were additional charges in addition to the one flagged. Navy Federal has also had incredibly long call wait times, which has made settling this manner increasingly difficult to manage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I applied for a credit card with Barclay approximately XXXX years ago. My bill has always been paid on time. However, I never received an increase in my account. Once the corporate office was contacted, I received an increase. My mother passed from XXXX. In XXXX, 2022, I had to take care of her final bills. Therefore, I utilized my credit cards more than usual. Because of this, my credit score dropped. However, I wasn't concerned because I knew that it would only be temporary. Barclay immediately cut my credit limit without notifying me prior to doing it. When called they stated that I would be receiving a letter in the mail. They did not contact me to see if it there was a reason, they just did it. XXXX XXXX score has returned to almost normal at this time. I called Barclay on Friday, XX/XX/2022, and spoke to XXXX ( ID # XXXX ) concerning this matter as well as my interest rate increase. She confirmed that my interest did increase & I was not notified. This is an issue because they are supposed to notify their customers. Also, she stated that I would have to apply for an increase. This is an issue because I should not need to do so. She stated that it is a system automatic and I know that this is not the case. Barclay penalized me when I was dealing with my mother 's death. I do not appreciate this. Barclay did not wait to see if my score would remain low, they automatically decreased my limit. No one should be treated in this manner. - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: MO

Complaint narrative:
XXXX bank closed my account without notice and my direct deposit was not received as a result. The company refused to tell me when my funds will be rejected so my company can pay me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: NV

Complaint narrative:
In accordance with the Fair credit reporting act, XXXX  account number XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Transunion ) has violated my rights. 

Statute 15 of U.S.C 1681 section 602A states that I have the right to privacy.

Statue 15 of U.S.C 1681 section 604A states, a consumer reporting agency can NOT furnish a account without written instructions from the consumer.

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 2022-11-21 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: NV

Complaint narrative:
In accordance with the Fair credit reporting act, XXXX  account number XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( Equifax XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

Statute 15 of U.S.C 1681 section 602A states that I have the right to privacy.

Statue 15 of U.S.C 1681 section 604A states, a consumer reporting agency can NOT furnish a account without written instructions from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Im accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Innovate Managed Holdings, LLC
State: FL

Complaint narrative:
INNOVATE LOAN SERVIC Was opened on XX/XX/2019, with total balance of {$6800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This complaint is regarding Barclay 's XXXX XXXX. Barclays allowed my credit card to be charged by a local company XXXX XXXX XXXX XXXX ) with no authorization, no invoice and no signature despite the fact that the company is a local company and they had been at the premises several times. The vendor charged my credit card for work NOT DONE. We neither signed a work authorization, estimate, nor did we sign a charge slip despite the fact that the company is a local establishment and they could have easily obtained a signature because they had visited our premises several times. We would not and did not sign any documents. Instead they forged my signature on these documents at their offices. 

When the company charged our credit card, we filed a dispute with Barclays and provided them with copious amount of information on this unauthorized charge, and finally received a letter from them ( copy attached ) stating AFTER THOROUGH REVIEW, they had found in my favor, and credited the charges on my Barclay card. 

Several weeks later, we received a letter reversing their decision ( despite their thorough review ), and they re-charged my Barclays card with the charges that they had previously found in my favor. The reason for this is because their employee XXXX XXXX lied about having my signature on the estimate. The truth is that we never signed any document with this company.

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 2022-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
this account was sent to collections in XXXX  and then bought by this debt collector stating it was opened in XXXX which they re-aged to make it look recent and stating I owe {$870.00} which it was only like {$450.00}. This account should have been off my credit after so long since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
PayPal has an open account that I did not sign up for credit with. They used themselves as a default payment when I used another payment method. PayPal auto used subscription I did not authorize after canceling subscription. PayPal listed itself as different names and I had no idea who the debt Iwas actually acused of owing. Paypal sold my debt to at least XXXX company I know of, XXXX XXXX XXXX, now sueing me without prior attempts to contact me. I was served when I was not home and a contractor was at the home. They left it on the porch as XXXX XXXX. I replied to the Answer of the complaint filed against me. I also filed timely during discovery and sent my admissions on time to them and the court. I have email and USPS proof of delivery and date. XXXX XXXX XXXX claimed the lawyer representing them never recieved it and filing to get a default judgement. They have now switch the lawyer. None of this seems legal or makes sense. Especially when I have proof of payment for the few items they listed in discovery. Luckly I have my XXXX receipts with payments through the cards I used. But PayPal claims I never paid it and has it as a a balance owed with the account open even after selling the debt that isn't real. I do not know how to fight this corruption and fraud in court. I also do not have the time or resources. Every time I try the file something new making it hard to respond to motions. They are using the system to get default judgements illegally under the same format that your company sued and won in XXXX. I have no idea what to do and it is ruining my life and making work impossible. Causing extreme emotional stress and loss of time. I am an only parent single father. This seems like abuse of power when I never even had a credit account with them but they created 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 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MN

Complaint narrative:
I am not responsible for this debt. This debt belongs to XXXX XXXX XXXX ( a previous employer ) and should be removed from my credit report. I want this debt removed from my credit report as I am not responsible for it, and I want no further contact from Jefferson Capital and the debt should not be transferred to any other collection agency. Please cease & desist immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: GA

Complaint narrative:
Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 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. XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


XXXXact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

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 2022-11-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately. 

XXXX XXXX XXXX -- {$19000.00} XXXX XXXXXXXX -- {$990.00} DEPT OF ED/ XXXX XXXX {$2100.00} DEPT OF ED/ XXXX -- {$5500.00} DEPT OF ED/ XXXX -- {$1100.00} DEPT OF EDXXXX XXXX -- {$2200.00} DEPT OF ED/ XXXX -- {$4500.00} DEPT OF ED/ XXXX -- {$2200.00} DEPT OF ED/ XXXX -- {$2300.00} DEPT OF ED/ XXXX -- {$1100.00} DEPT OF ED/ XXXX XXXX {$1700.00} DEPT OF EDXXXX XXXX -- {$1100.00} DEPT OF ED/ XXXX -- {$1700.00} DEPT OF EDXXXX XXXX -- {$2900.00} DEPT OF ED/ XXXX -- {$5500.00} DEPT OF EDXXXX XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately. 

XXXX XXXX XXXX -- {$19000.00} XXXX XXXX -- {$990.00} DEPT OF EDXXXX XXXX XXXX {$2100.00} DEPT OF ED/ XXXX -- {$5500.00} DEPT OF ED/ XXXX -- {$1100.00} DEPT OF EDXXXX XXXX -- {$2200.00} DEPT OF ED/ XXXX -- {$4500.00} DEPT OF ED/ XXXX -- {$2200.00} DEPT OF ED/ XXXX -- {$2300.00} DEPT OF ED/ XXXX -- {$1100.00} DEPT OF ED/ XXXX XXXX {$1700.00} DEPT OF ED/ XXXX -- {$1100.00} DEPT OF ED/ XXXX -- {$1700.00} DEPT OF ED/ XXXX -- {$2900.00} DEPT OF ED/ XXXX -- {$5500.00} DEPT OF ED/ XXXX -- {$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 explanation