vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: TN

Complaint narrative:
XX/XX/2023 Frost- Arnett called and said I owe a debt I said I do not have any debts I have medical Finicial assistant covered at 100 % through " Ascension Health Care '' they told me to upload all my documents stating my coverage I sent that day all documents for my Finacial Coverage. including how many times I emailed Ascension via there website. 
XX/XX/2023 Frost- Arnett called again asking for payment I spoke with XXXX she said my letter was received but no documents attached. 
I RESENT in ALL docs at XXXX XXXX  XX/XX/2023 XXXX from Frost-Arnett called XXXX XXXX I explained I did not owe the debt she looked in my file said my case was being reviewed, and should be taken care of in the week or XXXX. 
XX/XX/2023 XXXX XXXX from Frost Arnett called asking for payment on debt she saw NO information that my case was being reviewed. 
XX/XX/2023 Frost Arnett sends the First and ONLY Paper letter to my home adress and it says Total amount of the dept NOW : and How would I like to respond!!! 
At this point no one is doing anything to help me and now my credit is going to bad I am thinking of filing a intent to Sue letter to Frost Arnett but thought I would start here first. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC
State: MD

Complaint narrative:
From XX/XX/2021 until the present Selene Finance has incorrectly calculated my mortgage payments and reported my account to the credit bureau as delinquent.

In addition to the many unethical practices of charging me several late fees although I didn't owe any.

This company has several pay web sites that don't allow you to pay anything other than what they have your payment listed as, they have had three different web payment websites since 2021. The most current website won't allow you to pay your mortgage until you read and acknowledge some agreement they have attached I'm sure to cover themselves against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
Portfolio Recovery continues to report and attempt to collect a past due balance, despite my continued disputes, on a collection listed on my credit report. This debt has been paid in full since XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
From XX/XX/2021 until the present XXXX XXXX has incorrectly calculated my mortgage payments and reported my account to the credit bureau as delinquent.

In addition to the many unethical practices of charging me several late fees although I didn't owe any.

This company has several pay web sites that don't allow you to pay anything other than what they have your payment listed as, they have had three different web payment websites since 2021. The most current website won't allow you to pay your mortgage until you read and acknowledge some agreement they have attached I'm sure to cover themselves against consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sombrero Capital LLC
State: OH

Complaint narrative:
I have a Land Contract with XXXX XXXX XXXX Reported : XXXX XXXXXXXX XXXX as current with a XXXX Balance. On or before XX/XX/2023, XXXX XXXX XXXX attempted to contract with XXXX XXXX XXXX XXXX to purchase my contract for which I received a voicemail verifying that they were in the process of purchasing my contract and that Covey Financial would be collecting the payment. I am still currently paying my contract at XXXX XXXX XXXX and have been advised by XXXX XXXX XXXX that an agreement had not been signed by XXXX and XXXX XXXX XXXX I advised XXXX XXXX  that Covey Financial had contacted me and continued to try to collect on the contract that was still owned by XXXX XXXX XXXX XXXX They advised me that they would correct the issue since Covey Financial was reporting to the credit bureaus of the failed payments for which they legally can not collect or report. I have disputed the Covey Financial reporting with XXXX and notified Covey Financial that they legally can not collect on the debt. Covey Financial refers me to XXXX XXXX XXXX. for which they have a contract, who assured me on multiple occasions that they would correct the problem. XXXX has researched my dispute and reports that Covey verified that the account belongs to me and currently is reported as delinquent even though I pay XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I paid off one of my student loans, the higher interest of the two that I have, XXXX weeks ago. My current loan detail information shows a {$0.00} balance, but they have not closed out the loan account. This in turn has meant that I am accruing interest at a higher interest rate than I should. I should be at the 4.05 % that my second loan is at, not the 5.25 % they show due to my higher loan, the one with a XXXX balance, being a 5.8 % loan and causing the average to be 5.25 %. I can not get a hold of anybody at Mohela to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been having an on going issue with this collection company " ENHANCED RECOVERY ''. THIS DOES NOT BELONG TO ME I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I ASKED THIS COMPANY TO PROVIDE ME WITH A " DEBT OF VALIDATION LETTER '' AND THEY WERE NOT ABLE TO SEND ME ANYTHING BECAUSE THEY COULD NOT PROVE THAT I DID BUSINESS WITH THEM. THEY CAN NOT PROVIDE ME WITH ANY DOCUMENTATION WITH MY WET SIGANTURE AGREEING TO ANYTHING WITH THEM. FOR THESE REASONS ALONE THIS MUST BE REMOVED ASAP! THIS IS ILLEGAL AND YOU ALL ARE VIOLATING MY RIGHTS AS A CONSUMER PER 15 USC 1681B.

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 2023-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
I have requested proof of ownership, original signed contract, balance of account and have not received any information. This company continues to tarnish my credit report and harass me with no validity of debt. Debt is not mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX a XXXX old account that was payed off and closed in good standard was removed from my credit report XXXX XXXX & XXXX XXXX and have affected my credit score tremendously. These remarks have caused me very offending harm with all credit bureaus on my report, dropping my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter to XXXX, XXXX, and Experian on XX/XX/2023 its been over 30 days. I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with Fair Credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct : # XXXX XXXX 

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 : 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 2023-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
The company placed this on my credit report, when I was affected by a natural disaster that's out of my control after asking for removal. 

Spring oaks capital llc is the company XXXX XXXX XXXX  is the original creditor Their information was very confusing & credit terms are not clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Accounts, Inc.
State: ND

Complaint narrative:
WE rented at XXXX property apartment in XXXX XXXX. We paid all our rents for the time live in the property. They illegally kick us out without pro notice at the mid of winter. They just sent us a bill that we should pay, {$3400.00}. That we most pay it or they will give it to debt collectors.The debt collectors are now writing to us to pay. we dont know how this amount or debt came about.We hear this is what they have being doing to all XXXX who have being renting that said apartments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
Monthly increase, {$22000.00} to XXXX. Escrow mistake XX/XX/2023 actual disbursement {$3200.00}. I paid that delinquent supplemental assessment bill XXXX XXXX, XXXX. XXXX XXXX I have a letter from M & T Bank XXXX XXXX, XXXX XXXX XXXX XXXX, in short, he says the bill is on me. The bank escrow does not receive supplemental tax bills, they're sent to the customer. M & T founded out about this bill because I filed a complaint with CFPB # XXXX. There was no bill for them to pay. Their saying the monthly increase is due from that {$3200.00} disbursement. Also in XXXX XXXX, I was approved for tax exemption. Which should have canceled their 12 month projections {$2300.00}. Tax bill changed from ( {$2200.00}, to {$1500.00} ) but I will still have to pay XXXX in XXXX. I was trying to find out if their numbers are correct. 
Thank you, 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 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America revolving credit card has option for " auto pay '' whereby I can set up a certain amount to be paid on my credit card each month. Previously, there were three options for payment amount : " Total Minimum Payment Due, '' " Statement Balance, '' and " Fixed Amount. '' Recently, they removed the credit card holder 's ability to set a fixed amount. I would like to set a fixed amount in order to pay off my balance on my credit card more quickly and not accrue interest.

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 2023-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Sensible Auto Lending, LLC
State: PA

Complaint narrative:
This auto loan was opened while I was in Bankruptcy XXXX XXXX without my knowledge or approval,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
Company will not supply me with original signed contract, proof of ownership, balances. Account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I applied for this CITI Card in 2008 and on the contractual document amended the language to show that after the initial 0 % for 12 months the 9.99 % interest rate would vary only with prime rate. This line was truck form the contract before sending in. By creating the account citi agreed to these terms. And for 10 years they maintained that. However, just recently they raised the interest rate to 25 % and didn't inform me. 

They used every sneaky trick in the book to get me to accept points, or 0 % but never did to maintain that 9.99 % interest rate. But it appears this company has gotten sneakier and less professional over the years. 

It's no wonder Americas Financial Future is in Jeopardy when you have thieves like CitiBank. 

I am a 16 year customer and have held this card since then. So disappointed in 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 2023-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Repeated emails from Portfolio Recovery after being told to stop and to send original creditor information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been having an on going issue with this collection company " XXXX XXXX ''. THIS DOES NOT BELONG TO ME I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I ASKED THIS COMPANY TO PROVIDE ME WITH A " DEBT OF VALIDATION LETTER '' AND THEY WERE NOT ABLE TO SEND ME ANYTHING BECAUSE THEY COULD NOT PROVE THAT I DID BUSINESS WITH THEM. THEY CAN NOT PROVIDE ME WITH ANY DOCUMENTATION WITH MY WET SIGANTURE AGREEING TO ANYTHING WITH THEM. FOR THESE REASONS ALONE THIS MUST BE REMOVED ASAP! THIS IS ILLEGAL AND YOU ALL ARE VIOLATING MY RIGHTS AS A CONSUMER PER 15 USC 1681B.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been having an on going issue with this collection company " XXXX XXXX ''. THIS DOES NOT BELONG TO ME I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I ASKED THIS COMPANY TO PROVIDE ME WITH A " DEBT OF VALIDATION LETTER '' AND THEY WERE NOT ABLE TO SEND ME ANYTHING BECAUSE THEY COULD NOT PROVE THAT I DID BUSINESS WITH THEM. THEY CAN NOT PROVIDE ME WITH ANY DOCUMENTATION WITH MY WET SIGANTURE AGREEING TO ANYTHING WITH THEM. FOR THESE REASONS ALONE THIS MUST BE REMOVED ASAP! THIS IS ILLEGAL AND YOU ALL ARE VIOLATING MY RIGHTS AS A CONSUMER PER 15 USC 1681B.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
This is a collection on my credit report that Im not aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
I filed Identity Theft on XX/XX/XXXX for noticing after receiving my credit report in XX/XX/XXXX that I have a charge for Hunter Warfield ( XXXX XXXX ) for the amount of {$1900.00} on XXXX. 


I also see a charge from XXXX XXXX XXXX ( XXXX ) on XXXX XXXX for {$1300.00} that I also have no aware of making. 

Thank you I will send credit report on attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
Last month I received a drop in my credit score because of a collection from XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX randomly showing up on my credit report. I wrote a letter for this agency to provide me with a contract that has my signature. It has now been over 45 days and i have yet to receive anything. I have no knowledge of this account and i demand that it be remove from 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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Have a Hard Inquirie on crdit report from Syncb/Lowes PLCC . This is not me. I moved from my home 2 years ago and the new tennant is fraudulently tyring to open crdit cards in my name. Please remove Hard Credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This has damaged my credit and for me to buy a house as a single parent

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 2023-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
Harley Davidson calls at a minimum of 4x a day! First thing in the morning and then 3x an hour later.. I have all documents to prove it on my call logs!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with Fair Credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 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 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 

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 : 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