vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: MI

Complaint narrative:
I XXXX XXXX XXXX XXXX are glad to hear XXXX XXXXo festing up about the scam conducted against me by XXXX XXXX his family and supporters are truly a nightmare over a decade of major frauds and he slipping through the system. Your letter dated XX/XX/XXXX are a sign that this will soon be resolved but let it be known and factually clear that you employer XXXX came across to me as very honest person and she said that YES THIS IS YOUR LOAN BUT THERE IS ANOTHER NAME HERE XXXX XXXX. You can always play it for the CFPB to hear that I am giving all facts no lies. 

A huge problem is they were able to steal my claims including the OCC as I am the guy from XXXX XXXX XXXX with the trust account and appears my resolution with XXXX XXXX  got stolen from me. Unfortunately the XXXX have went to everyone judges, police and brokers saying he conducted this loan with XXXX XXXX without years and years not clearing this up and i suffered from. Then XX/XX/XXXX upon my leaving out the very next day i came back to finish moving and he and XXXX XXXX refused to let me in to get my other items. I had a brand new washer, dryer, microwave, stove and refrigerator and were locked out by them and i walked away from this denying me that they did. 

Then in XX/XX/XXXX he started an action in court an XXXX saying I were threatening he and his family. I SWEAR TO GOD THAT WHEN HE STARTED THESE LIES THAT I WERE THREATENING HIM I HAD NOT SEEN HIS FACE SINCE XX/XX/XXXX UNTIL AT THE XXXX HEARING SINCE HE HAD MOVED IN MY HOUSE IN XX/XX/XXXX AND JUST SEEMS UNREAL HE COULD HAVE DONE THIS. 

PLEASE NOTIFY THE XXXX POLICE WHOM HE CONSTANTLY TOLD THEM THAT HE BOUGHT THE HOUSE FROM XXXX XXXX FOR XXXX, A LIE. 

THE FEMALE DETECTIVE THE FIRST TO HAVE THE INVESTIGATION CASE TOLD ME, IT IS HIS HOUSE AND HE BOUGHT IT FROM XXXX XXXX FOR 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
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I received a phone call from A.R.M. Solutions, INC ( she identified herself as XXXX XXXX, asking to pay for a debt ( of {$16.00} for a XXXX XXXX subscription ) that I do now owe. I also received a written note that says the same thing on the same day. She asked me how I do not owe the debt rather than describing what the debt is, such as which month 's subscription and when the last payment was made. I believe the call is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2022 received alert from experian on ibstallment loan or bank account inquiry from : Company : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX Contacted experian fraud department and placed fraud alert. 

Also contacted XXXX XXXX and spoke with customer service associate XXXX XXXX who flagged the credit application and suggested I contact FTC and credit reporting bureaus, per company policy.

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 2022-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I had taken a personal loan out from LoanMe back in XXXX to cover some bills. The maturity date on the loan if not prepaid was XX/XX/XXXX. I made my last payment on XX/XX/XXXX. I then called them to verify that I was done with the loan and was told that was the last payment. 

On XX/XX/XXXX, I logged into my bank account and noticed a payment pending for {$350.00}. I contacted them and was told the extra payments were added on because of an insufficient funds payment from XX/XX/XXXX. I called my bank to verify that info and they researched my statements and the transaction history for the merchant and was told by my bank that there are no insufficient funds for that merchant showing in the XXXX  XXXX XXXX transaction history.

I have the agreement that was executed and the payment settlement sheet that clearly show a loan maturity date of XX/XX/XXXX which I paid. I called them again to try and resolve this and got a completely different story.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: WA

Complaint narrative:
To Whom it may concern, RE : XXXX DCU Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) " the term consumer report does not include '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' by furnishing the below account on my consumer report you are in violation of the law. remove the Account from my consumer report : XXXX DCU Failure to respond satisfactorily with deletion of the all Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
acct # XXXX XXXX XXXX XXXX XXXX  - DATE XX/XX/2022 SHOWS A PAYMENT WAS RECEIVE. THE DATE IS FALSE. MAKING FALSE CLAIMS ON CREDIT REPORT IS ILLEGAL. 
15 U.SC 1681s-2. PLEASE PROVIDE RECEIPTS OF PAYMENT DATE XX/XX/2022.

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 2022-05-03 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: NE

Complaint narrative:
acct # XXXX XXXX XXXX XXXX CO - DATE XX/XX/2022 SHOWS A PAYMENT WAS RECEIVE. THE DATE IS FALSE. MAKING FALSE CLAIMS ON CREDIT REPORT IS ILLEGAL. 
15 U.SC 1681s-2. PLEASE PROVIDE RECEIPTS OF PAYMENT DATE XX/XX/2022.

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 2022-05-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXXXXXX 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.

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 2022-05-03 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I put in with a outside company for a personal loan, of course I had to give them my personal information, I was told I was approved, then hours later I noticed money in my account, figuring this was the money I applied for, I started to use it, only days later I checked my account and it was negative and after calling the bank was told I had called them to reverse all of my payments made to my creditors, I explained it wasnt me, why would I say I want to reverse all the bills I owe, I feel the bank didnt protect my finances, they shouldve made sure it was me by calling my phone, also voice recognition is what they claim to use, well it wasnt my voice, this is the stupidest action ever to reverse charges because the members ask. Now I can never have another account cause XXXX cant afford to pay this money back. I wasnt familiar with this type of scam, but the bank is and they were of no help for me as their client, they should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: TN

Complaint narrative:
I was contacted multiple ( 3 or more times per day ) for at least 30 days by Nation Wide Recovery Services. They were very unprofessional and I thought it was a scam. The representatives spoke broken english, barely intelligible, had a poor phone connection so I could not understand them, called from multiple different zip codes, and asked me for my personal information without explaining the purpose of the call. I have never received anything in writing from this company, they refused to email or mail me any information as to what the debt was from, and only responded by asking me more personal information. The debt was charged to me by mistake, but I was ignoring these harassing calls because they came off so professional, I thought it was scammers. The agent threatened to have his supervisor call me on two occasions. I still do not have any detailed information telling me what this debt was for. 
The debt is due to a visit to XXXX XXXX XXXX in XXXX of XXXX. I checked in but left before I was seen by the Dr . Apparently XXXX uses XXXX  XXXX to bill for the ER. When I called XXXX they gave me the number for XXXX  XXXX ( XXXX ). I called XXXX  and the billing department stated that sometimes that happens and she would submit my file for review to verify that no charges should have been incurred, and I should call back in a week. I lost the number and called XXXX, they would not give me any contact info because XXXX  changes phone numbers so much that XXXX  requested they not give out any contact info to patients. I have tried reaching out online to XXXX  to get someone to contact me and get this resolved but have not had a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666b A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666b A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason

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 2022-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
A complaint not being only submitted to this request under the TILA AND RESPA AND QUALIFIED WRITTEN REQUEST FOR ALL INFORMATION REGARDING THE ACCOUNT AND ALL FEES AND PAYMENTS MADE AS TO THE TRANSFER DATE OF THE LOAN FROM XXXX XXXX  XXXX XXXXXXXX XXXX  TO THE CURRENT XXXXXXXX XXXX XXXX SPECIALIZED LOAN SERVICING. THUS THE AMOUNT PAID AND ALL FEES CHARGED WITH ALL REASONS AS TO THE CHARGES AND FURTHER THE DEBT WHICH WAS DISCHARGED AMOUNT AS ON THE LETTER RECEIVED RECENLTY AS TO THE PAYMENT AND STATEMENT THAT WAS NOT TO BE SENT AND NOT KNOWN THE DEBT FOR THE BANKRUPTCY FILES WERE NOR PROVIDED WITHIN THE REASON FOR NOT ALLOWING ANY STATEMENTS BUT ONLY WILL BE AS A REQUEST. THUS AS A REQUEST I AM ASKING FOR THE DOCUMENT THAT PROVIDES THE DISCHARGED DEBT AS TO THE MORTGAGE OF THE SUBJECT PROPERTY AND THE EXACT AMOUNT AND DATE OF THE DISCHARGE IN THE FILES WITH BOTH XXXXXXXX XXXX XXXX XXXX  LOAN

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 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emmett L. Goodman, Jr., LLC
State: GA

Complaint narrative:
In 2019, XXXX XXXX as a successor in interest to XXXX XXXXXXXX XXXX XXXXXXXX. contacted me saying that I owed {$590.00}. My reply to XXXX XXXX as a successor in interest to XXXX XXXX XXXX, XXXX, was I do not owe this debt. I also requested verification of the debt and it was not validated. Currently, XXXX XXXX as a successor in interest to XXXX XXXX XXXX XXXX  with the help of the Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX has a judgment for wage garnishment. 
I am disputing this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank offers an XXXX XXXX XXXX and they advertise that they will provide XXXX  XXXX reward points for all spend at XXXX online or instore. Upon an audit where I thought I should have more points than they are allocating, I see that they have only been providing XXXX  the points for my spend at XXXX. I primarily only use the card for XXXX purchases. I realize its net spend ( exc taxes ) but they are not giving me the correct amount of points. I went back to XX/XX/2021 as this is as far back as I can go, and there were never XXXX points provided. I have copies of my points account and my credit statements to show spend was at XXXX. By my calculation, I should have another XXXX points. I dont believe I have ever received the correct points, even going back beyond XX/XX/2021. This is false advertising, plain and simple. If they only want to provide XXXX points, then change their site. I have contacted them on several occasions and they state they will look into it and then ignore me. I Lodged a complaint with the XXXX  and they ignored that too and XXXX  closed the complaint. XXXX themselves do not take any responsivity as they do not run the credit program

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
In 2019, LVNVFunding LLC as a successor in interest to XXXX XXXXXXXX XXXX XXXXXXXX. contacted me saying that I owed {$590.00}. My reply to LVNVFunding LLC as a successor in interest to XXXX XXXX XXXX, XXXX, was I do not owe this debt. I also requested verification of the debt and it was not validated. Currently, VNVFunding LLC as a successor in interest to XXXX XXXX XXXX, XXXX. with the help of the Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX has a judgment for wage garnishment. 
I am disputing this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-05-03 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: NY

Complaint narrative:
in accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Us Bankruptcy Crt XXXX  Reference Number XXXX XXXX Credit Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX  Account Number XXXX XXXX XXXX Account Number 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 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( a ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-03 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: SC

Complaint narrative:
Accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The following account is not mine XXXX Account XXXX balace : {$580.00} please remove it from my credit report. 

this account does not belong to me i am not liable for this debt never belong to me remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
I know my debt was valid. It went to Nationwide Recovery Systems. I called them in attempt to pay my debt to get the collection off of my credit report. The representative told me if I paid today ( XX/XX/XXXX ), he could reduce my bill. I asked for a settlement letter. The man accepted my request and emailed a settlement letter indicating the reduced collection. I agreed, and paid the bill. I noticed today, that on the day after, XX/XX/XXXX, an additional {$400.00} was withdrawn from my account from the same company. 
I immediately emailed them saying I wanted my money back in a refund otherwise I would be taking further action. They would not respond to my email other than emailing back saying they wanted to call me. I refused, said email correspondence would be sufficient, and said I wanted proof of what they say to me via email.

Company response to consumer: Closed with explanation