vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I received a list of charges from the payment cards industry ( PCI ). Ive already begun the dispute process, which boils down to a prorated amount of 5 days of overoccupancy, the corresponding fee, and the XXXX utilities and yes admin charges and fees. After several months of asking how these charges were calculated, I still have yet to receive the information for how the charge was even calculated. 

I moved between two XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Because of the split time between the XXXX XXXX lease end date, and the park place move-in date, I requested that my move in date be adjusted as to not leave me homeless for a couple days. The XXXX office agreed to an adjusted date of XXXX XXXX XXXX 

I was initially told to pick up my new keys at the end of the business day on the XXXX, and return my old keys the morning of the XXXX. This meant I had to move 2 years ' worth of my items in the pitch dark. I informed their office this is unfair, and simply asked if I could move my items out first thing in the morning, which I was told was perfectly fine. 

I got a call the morning of the XXXX asking where my keys were. Obviously, there was an internal communication breakdown in the office for nobody was on the same page, and I was doing my best to work with the information I was given. I dropped off my current load of items and went straight to the office. There, I was told that they would not take my keys, because the items in the unit were not out yet. This was the first time I was given this information and was around noon on the XXXX. I politely apologized because I didn't know this and went back to my unit to complete moving out my items. 

By the time I was finished, the office was closed. I returned the next morning when the office opened and was told I had a charge of around XXXX dollars, with no explanation, and not justified by my lease. 

Although the verbal agreement between myself and XXXX explains the situation in full, any dispute will revert to the written agreement I have between XXXX and myself. Even then, I am still unable to find a justification for this charge in my lease. I have asked their office for it countless times over the past several months and have yet to receive this information. 

They are charging me for an event that didnt happen, and consistently lying about it. I need help protecting myself and my credit against this claim. XXXX is no longer responding to my requests, or taking any action to correct the situation.

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 2022-12-29 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good morning this is now the third time that I have reached out to Transunion. Ive also contacted Transunion on XX/XX/2022 and still there are inquiries that were not removed. Why do I have to keep reaching out to your bureau in regards to the same thing. You have not removed the inquiries that I sent a complaint about on XX/XX/2022. For the third and final time Please remove the inquiries that I have requested to be removed on XX/XX/2022 under complaint # XXXX as well as XX/XX/2022 under complaint # XXXX. These are the following inquiries that still shows on my credit report that has not yet been removed XXXX XXXX XXXX, XXXX XXXX, XXXX  and XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. PLEASE REMOVE THESE INQUIRIES FROM YOUR BUREAU AS THESE WERE NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Im filing this complaint against XXXX XXXX XXXX XXXX XXXX for failure to adhere to FDCPA guidelines. XXXX XXXX XXXX XXXX XXXX fail to adhere to Regulation F, giving me the opportunity to request for validation of an alleged debt prior to assuming its validity. I have encountered abusive, deceptive, and unfair debt collection practices from XXXX XXXX XXXX XXXX XXXX. In accordance with sos.ms.gov ; XXXX XXXX XXXX XXXX XXXX is registered as an attorney office. Yet, they are acting as a debt collector, which is a violation under the FDCP for deceptive practices. XXXX XXXX XXXX XXXX XXXX has inflated the alleged debt amount with fees in the amount of {$130.00} for court cost and garnishment. The fees and prior order is null and void due to, I was never served a Summons and Complaint to appear in court for this alleged debt. I was recently given a Show Cause Hearing on XX/XX/XXXX, a new trial date was set for XXXX, XXXX. I requested validation of this alleged debt, which XXXX XXXX XXXX fell to provide all requested documentation. LVNV Funding knowing I was never given an opportunity to dispute this alleged account prior to sending this account over to XXXX XXXX XXXX XXXX XXXX. As you can see in the uploaded documents, they recently issued a letter via USPS, given me the opportunity to dispute by XX/XX/XXXX. 
I requested the original contract with the original creditor, Bill of Sale, and Purchase Agreement. So, that I may validate this alleged account properly. XXXX XXXX XXXX only sent statements, which does not validate alleged debts in accordance with law. Due, to me not being able to validate this alleged debt, I filed a claim with the Federal Trade Commission as fraudulent account. I have no proof nor prior knowledge of this alleged account ; its not on my credit report. 
XXXX XXXX XXXX XXXX XXXX, you are hereby noticed within this complaint. Cease and desist any and all attempts in trying to collect on this alleged debt I dont owe. If I owed this alleged debt in which I, dont it have passed the statute of limitations ( XXXX XXXX XXXX XXXX XXXX ), forfeiting the rights of collection. XXXX XXXX XXXX XXXX XXXX has violated multiple law under the FDCPA, I'm truly loss for words. XXXX XXXX XXXX XXXX XXXX has knowingly broken state and federal laws and regulations concerning the collection on this alleged debt with forethought and malice. I have also filed a complaint with our local Attorney General Office upon me submitting this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: OH

Complaint narrative:
My credit card company ( Citicards ) has raised my interest rate from below 12.24 % to 20.24 % since XX/XX/2022, and recently lowered my credit limit substantially. I have called and asked for a reason, and gotten no response. I believe that both of these actions have affected my credit score.

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
This should serve as a written notice to Innovis that I XXXX XXXX wish to put a security freeze on any information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-29 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My Name is XXXX XXXX, AMEX : XXXX was a fraudulent account and paid in full still shows in my credit report. 

XXXX XXXXXXXX XXXX : Nothing is due account was closed long back still shows negative in my credit report. 

XXXX Credit card was a fraudulent charges was paid and cleared up still shows up in credit report XXXX XXXX XXXX Never used never asked for credit card and they are charging me? 

XXXX card fully paid and current shows potentially negative and late payment? 

XXXX XXXX : is in good standing and never late still shows in my credit report. 

XXXX XXXX : Product was returned and confirmed with vendor servicing XXXX, however they are still charging me and sent for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Fair collections and outsourcing is trying to collect a debt for XXXX, in which they are not licensed in Florida to collect a debt. Pursuant to Florida law ( Fla. XXXX XXXX XXXX debt collectors and out of state law firms must register with the Florida office of Financial Regulation as a Consumer Collection agency before engaging in collection activity in the state of Florida. the debt that Fair Collection and outsourcing is claiming that I owe is a debt in Florida, and this is a violation of both state and federal law. Please remove this debt from my credit report and cease and desist in any collection activity and please provide documentation indicating that you were licensed in the state of Florida to engage in collection activity as the last time this company was licensed to engage in collections was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to the real system Regulatory enforcement and licensing this company was not authorized to engage in collection activity at the time this was placed on my credit profile. and even bfore these dates the company was only authorized during the following dates please remove this immediately and cease and desist all credit collection activity. Name : XXXX XXXX XXXX XXXX XXXX XXXX : FAIR COLLECTIONS 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 XXXX XXXX XXXX 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 2022-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: TN

Complaint narrative:
A fraudulent account is being reported from someone within XXXX XXXX XXXX through NATIONWIDE RECOVERY SYSTEMS. That has previously been deleted in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
My wife had an XXXX account with Old National Bank which we were first told was closed at our request no later than XXXX. Since that time, we continued to recieve account statements and communications from Old National Bank implying that the account was still open. Through numerous contacts with Old National bank over the years since XXXX, no fewer than 4 regarding ensuring the account was closed, we were told that the account was already closed and that there was nothing else that we needed to do. Fast forward to today, we are now recieving letters from XXXX XXXX  which bought the XXXX business from Old National Bank. We are being told that our new XXXX balance XXXX account at XXXX ( which was bought out from Old National ) is inactive and will start being assessed inactivity fees. IF our account was indeed closed at Old National Bank, why was it sold, alongwith all of our personal information, to the new entity?

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: MicroBilt / PRBC (formerly CL Verify)
State: SC

Complaint narrative:
This should serve as a written notice to MicroBilt / PRBC that I XXXX XXXX wish to put a security freeze on any information on my 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 explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I had contacted the lender asking for them to remove me from the loan almost a year ago and they said they would get in contact with me that they would have too get it approved.. so here I am waiting and never heard anything from them I have tried everything asking to dispute it from my credit. I was young and XXXX at one time in my life I had a ex the other person on the account we split up and she took the car and jumped town I have not heard anything from her if I was in contact with the car I would have kept making on time payments, I em XXXX XXXX XXXX now and have XXXX kids Im happily married and would like too move on from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-12-29 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: CO

Complaint narrative:
Account has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: NJ

Complaint narrative:
on XX/XX/XXXX I received an email saying my payment was due for {$27.00} on XX/XX/XXXX On XX/XX/XXXX I received an email saying my payment was 1 day past due for {$27.00} On XX/XX/XXXX I received an email saying my account is 15 days past due for {$27.00} On XX/XX/XXXX I paid the balance in full and closed the account How do I get a 30 day late payment for something paid 15 days past the due date, at most it is a late payment fee. This should not have impacted my credit I have reached out to this company before about reporting wrong and not updating balances and they froze my account. They took almost 3 months to respond and haven't responded to my message I sent over a week ago, not even a " we received your message '' respond either I have attached all proof emails from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : 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 non-monetary relief