vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
Today, I had a lender pull my credit for a new home loan & I was shocked to find out that Select Profiolo Service had been reporting me late on my mortgage with them even though I had requested forebearance during covid due to loss in income. I was informed that I was reported 90 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and 60 days late in XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: MN

Complaint narrative:
I contacted Hunter Warfield and informed them that the debt was false and they never responded. I am currently going to court, the party that falsified this debt has tried to settle out of court ( which I declined due to them stealing my money ).

If Hunter Warfield doesn't comply, I will file a law suit against them next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On the following dates XXXX and XX/XX/22, Capital one unlawfully obtained my credit report without my permission which is violation of the fair credit reporting act 15 USC 1681b. According to the FCRA as a result, Capital One is liable to me actual damage or statutory damage up to {$1000.00} and punitive damage for each inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX to : Equifax Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 Re : Unauthorized Credit Inquiry To Whom It XXXX Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following inquiries, I believe are or may be part of FRAUD : Inquiry : XXXX  Date of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX Contact : Not Available Inquiry : XXXX Date of Inquiry : XXXX Contact : Not Available Inquiry : XXXX XXXX XXXX XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX  Date of Inquiry : XXXX Contact : Not Available

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
I tried to make my XXXX lease payment on XX/XX/XXXX and was unable to log on to the kia finance website because it would not load. I tried again on XX/XX/XXXX and again the site would not load even when I tried from multiple different devices to log on. Late on the evening of XX/XX/XXXX I was able to log on to the kia finance website and received the error message that I was unable to make a payment because the account had less than XXXX payments remaining. My lease is for 3 years and will mature on XX/XX/XXXX as shown on my lease agreement. I called kia finance on XX/XX/XXXX and was unable to speak to anyone and directed to an automated system that would not allow me to make a payment either. I have tried to log into my account every day and the kia finance site will not allow me to make a payment or set up future payments. I have called kia finance many times a day every day since XX/XX/XXXX and have been disconnected every time I make contact with an actual person. I am due for my XX/XX/XXXX payment and have no way to make a payment either via the website or phone because of an error on their part.

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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
equifax still refuses to remove accounts on my report i reported as fraud. XXXX  XXXX XXXX and XXXX XXXX XXXX. i have sent the proper documentation to have those accounts removed and they keep giving me different answers. saying they cant read the documents or information is missing on the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

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 2022-10-20 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: GA

Complaint narrative:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
I recently checked my XXXX credit Report & noticed a fraudulent collection account posted within my consumer profile. I took the initiative to give XXXX a call about this Fraudulent collection account, I spoke to a representative named XXXX and he informed me it must be a mistake because I currently have XXXX Services and my current bill is up to date. In order to keep XXXX services your monthly bill must be on time to keep service. XXXX informed me to ignore the Collection company CCS COLLECTION which XXXX sold my personal information which I did not give the company to furnish a fraudulent collection account. XXXX aslo informed me that my name on this collection account doesn't match my name, which clearly indicates Fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a document from Midland Credit Management offering me payment options for an alleged debt in the amount {$3300.00}. XX/XX/2022 we sent a validation of debt letter to Midland Funding via certified mail. To date we have not received a response from Midland Funding in reference to this matter. I'm requesting your office to assist me with this matter. 
Certified receipt number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit International Corporation
State: OR

Complaint narrative:
I received a notice of garnishment via mail less than a week before my pay started being garnished by my employer to satisfy the garnishment request they also received. 

This was the FIRST EVER NOTICE OF THIS DEBT I HAVE EVER RECEIVED! Prior to this I had ZERO notice of this debt or that it even existed, that I could dispute it, or anything. ZERO attempts have ever been made by the collector to contact me to notify me of the debt OR collect on it. 

Since they have completely failed their due diligence to even attempt to resolve or notify me of the debt, this was an unfair and illegal garnishment and has caused undue hardship on my household as I am also the sole income earner. 

When I was notified of the garnishment, I also received no grace period to address or dispute the debt before collection occurred via garnishment. I was prohibited access to or notice of my rights of this debt and all actions taken were in direct violation of FDCPA standard. 

This was an unfair attempt to illegally secure funds for an unknown debt with no attempts on the collectors part to even collect the debt prior, or notify me of it. 

I need 100 % of my $ returned and this debt removed and need this to be filed as a matter of public record that this collector directly violated my rights as an individual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. 

1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
3. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: CA

Complaint narrative:
This company reported a debt on my credit report that does not belong to me. My personal information was compromised some time ago ( my car was broken into and my tax returns, checks and other personal information was stolen ) and my guess is that it may have been used to open this account, not sure. Absolutely NO information whatsoever has been sent to me about this debt in the mail, so I never had the opportunity to even dispute this with the company. No signed papers, no proof or anything has been sent to me. But yet this company was able to put something on my credit report?? This kind of stuff is malicious and harmful to consumers and the fact that a company can do this is insane.

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 2022-10-20 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: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: GA

Complaint narrative:
My girlfriend and I broke up, she didn't take it too well so she started tripping out and called the police, the police told me I had to leave, she would not give me any of my possessions ( my wallet which contained my debit card, social security card, etc ) my social security money is deposited on the XXXX of every month at XXXX, my wallet was in her possession from XX/XX/2022 to the evening of XX/XX/2022, there were 2 withdrawals on XX/XX/2022 the first withdrawal occurred at approximately XXXXXXXX XXXX and was followed by a second withdrawal at XXXX XXXX. I have not ever nor will I ever give anyone consent to use my card, I called my bank which is " direct express '' and I made a report, I repeatedly told them that I have not given anyone permission to use my card and that I wanted the money that was stolen to be reimbursed and for legal action to be taken on her for stealing it, they denied it and told me I gave her consent to use my card, which again I have not and will not ever consent to someone using my card. They denied my claim and told me that I gave her permission, so direct express has failed to do a proper investigation of my claim and are denying the reimbursement, I have paperwork, evidence, and I've filed police reports and I hand wrote a statement as well, my rent is due towards the end of this month and I have not been able to get food either, I intend to file a lawsuit against direct express bc due to their inability to do the job that they were hired for and it has caused a variety of issues for my quality of life, I did research and everything I read said I needed to file a complaint through this site, please help me obtain the justice that direct express wrongly denied me of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: FL

Complaint narrative:
hello, i needed a vehicle very badly due to me having a child and needing to get to work in a reliable way. i saw a vehicle that i was interested in so i decided to go see it, i went to a dealership about an hour away from my home named XXXXXXXX XXXX XXXX i really liked the car i went to go see, so weeks prior to me going in person to see the car i was looking at online photos everyday of the car, the pics were not showing the entire interior, only angles of certain parts of the interior, and me being an impulsive person, as soon as i seen the car i was eager for a test drive, i test drove the car and it drove kinda rough, i was still interested, i had {$1000.00} in cash as a down payment, the dealer told me they will put {$1500.00} on the credit application and told me to pay them back the rest when i get paid again from my job, they also added on the application that i was self employed, i didnt really know what to do or say so i agreed with everything, i left with the car with a paper tag, i then got home, where my child was with my mother, i was putting my child in the car and reach for the rear seatbelt, there were no seatbelts in the rear at all, and also in trunk there was sooo much damage so obviously the car was in a accident before me i was in shock and immediately went to call the dealer ship, no answer, i left a text message and didnt get a response til the next day, the message i got said they have someone to install the seatbelts for me, mind you the radio speakers didnt work at all so they said they will fix both at the same day, that was a lie, after 2 months of lying to me about actually getting them fixed, they finalized reached out to me and wanted to help me with my issues with the car, by the time i got the seatbelts fixed my front headlights stopped working out of nowhere and i had to drive at night like that, and the car wouldnt go over 20 mph and sometimes wouldnt start at all, and the worst part of all of this, the car smelled wet everytime it rained outside and began to grow mold right under my childs car seat adapter!!!! after that i stopped driving the car, i grew tired of the issues so i decided to surrender the vehicle, i was paying {$440.00} for this vehicle every month, the vehicle is a XXXX XXXXXXXX XXXX. this has caused me emotional distress, and XXXX because im stressing over a vehicle thats not even worth it and now i have no vehicle and they still want me to pay the {$10000.00} remaining balance on the vehicle 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 2022-10-20 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 XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

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 2022-10-20 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: OH

Complaint narrative:
In accordance with fair credit reporting act XXXX account # 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

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 2022-10-20 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: OH

Complaint narrative:
In accordance with fair credit reporting act XXXX  account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXXXXXX XXXX XXXX # XXXX, account XXXX XXXXXXXX # XXXX, account 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 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 explanation
Consumer complaint received 2022-10-20 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: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, XX/XX/2020 has violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states 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 explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal complaint that XXXX, XXXX, & Transunion are reporting inaccurate and incomplete credit information. This a violation of FDCPA SECTION 808 UNFAIR PRACTICES & FDCPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING

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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal complaint that XXXX, Experian, & XXXX are reporting inaccurate and incomplete credit information. This a violation of FDCPA SECTION 808 UNFAIR PRACTICES & FDCPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING

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