vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NC

Complaint narrative:
The utility debt is during a time I was not located in the state. I only lived at the address in question from XX/XX/2020 to XX/XX/2020. The utility service was to have been ended and transferred back to the lease holder of the New York apartment. ( I was subleasing and later discovered I was not even subleasing legally. The landlord changed the locks when I went out of town for a XXXX ) I was not informed of the bills stacking until I received a collection notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
The loan was for XXXX and I was paying on time and I had job loss of hours and I let them know I could pay at least XXXX dollars every week they wouldn't accept it and put it on my credit report at first it was XXXX and since the loan was made in XXXX has now went up to almost a XXXX XXXX dollars in its placed on my credit report as a charge off and collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft, I have a ftc identity theft report and I want these accounts removed from my report, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX credit card, these accounts are fraudulent, my information is being used to open these accounts, I have no knowledge of these accounts and Im asking XXXX, XXXX, experian to remove these accounts, I am now suing XXXX for a data beach and XXXX XXXX for exposing all my information on the dark web, no fraud alerts please, please remove accounts from my credit report, please tell XXXX no excuse they do not help when I call so Im using this process because of rudeness and unprofessional people so please remove all these accounts

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 2022-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Windham Professionals, Inc.
State: NJ

Complaint narrative:
I had called my health XXXX XXXX XXXX to make sure I could use The XXXX XXXX XXXX XXXX XXXX. I called to make sure I was covered and my co pay was maximum savings. I was told by the XXXX representative that I was covered and my co pay would be {$20.00} per XXXX XXXX visit. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX New Jersey XXXX XXXX XXXX XXXX on XX/XX/XXXX by XXXX XXXX XXXX. 
These are the dates of each XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and last visit XX/XX/XXXX. 
At each of these XXXX XXXX  visits I paid a {$20.00} co pay which was requested for me to pay at each XXXX XXXX session at XXXX XXXX which had my XXXX XXXX XXXX in their files. 
Approximately XXXX months after my final XXXX XXXX session I received a {$360.00} bill from the XXXX XXXX in which they claim that my co pay should have been {$50.00} per XXXX XXXX session. After one written appeal and one telephone verbal appeal to " XXXX '' from XXXX were denied. 
These appeals were to XXXX because after speaking on XXXX separate occasions to The XXXX XXXX XXXX department " XXXX '' on XX/XX/XXXX and XX/XX/XXXX and " XXXX '' on XX/XX/XXXX they stated that I was being " Billed Out of Network '' and that according to my insurance I was a " XXXX XXXX  In Network '' customer of XXXX and my co pay would be {$20.00}. 
XXXX refused to pay XXXX  XXXX XXXX the extra {$30.00} per XXXX XXXX session and now XXXX  XXXX XXXX sent me to the XXXX Wyndham Professionals, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX billing collection agency and I received the bill dated XX/XX/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 2022-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Capital One credit cards reported late and missing payments to my credit report. 
I had never seen a statement from them so I called customer service. The lady I spoke to said she could see that I in fact had NEVER received a statement from them. Due to a computer issue on their end the monthly e statements always got bounced back. I know by law the credit card companies must provide and statement along with periodic billing. 
Capital One did not. I have written and asked for proof of statments and have never received any. 
It is my opinion that since Capital One never provided me a statement or billing the negative items on my report should be removed. ( The card has now been paid in full ) I do not know how I am to be held accountable for making on time payments to a credit card company that did not provide billing statemtents in any form to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
REQUESTING COPIES OF ALL PAYMENTS APPLIED TO XXXX XXXX XXXX XXXX XXXX. GA XXXX XXXX XXXX ALSO REQUESTING COPIES OF ALL DOCUMENTS PERTAINING TO THE ABOVE ADDRESS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
Please be an educated buyer. In hindsight I would have never signed the contract to begin with. We were told we were approved for the house but could never get the preferred lender on the phone to show us exact numbers for monthly payment, down payment, interest rate etc. We applied on XX/XX/2022, contacted the lender listed on XX/XX/2022 to obtain initial disclosures ( abiding by the 3 day timing to issue a loan estimate after receiving a completed loan application ) and estimates before signing our contract XX/XX/XXXX. We were not given any initial disclosure packet containing a loan estimate until XX/XX/2022. So we tried to do the math ourselves and kept saying, well if we are approved we must be able to afford the house. Signed the contract. Months later we finally hear from the lender and the market has drastically changed since starting the process and the monthly payment we are told is something I would have never signed for. Add in that our income is based off the changing market and we can barely make our current bills because having a commission based income in the mortgage industry is basically making nothing now. We know we can not afford this home based on todays number and have attempted to contact the lender and Seller to advise if this, however they have stated that we HAVE to use their approved lender as they issued an approval. We want out of the contract now and want our earnest money back, as no lender would issue a prequalified letter of the information now. The lending process would dictate that our documents are expired as well so there is no reason they should not be requesting new documentation anyways. It should not be a fight. It should not be still us being told we are approved and should follow through with the home. Our income in the past months reflect maybe {$5000.00} a month. You can not honestly tell me I can afford a home that has an estimated monthly payment of {$3600.00} ( and probably still increasing with the interest rates ) and that it is in my best interest to stay with the contract. This is also only taking into account the mortgage payment, not all of our debts. Our Debt-To-Income ratio is not within lending guideline. It is a sad and expensive lesson we have learned in the process. Please do your homework and trust your own gut before signing a contract with no one on your side. Its business, I get that, but at some point there should be a basic understanding. We have asked the lender/Builder to consider this information and refund our earnest money but they have declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
On XX/XX/XXXX I received 2 letters from Resurgent Capital Services claiming that they were trying to collect on a debt that I owed. The original creditor was XXXX XXXX XXXX, whom I do not recall having an account with, but the current owner of the debt is listed as LVNV funding LLC, which I have never received a document from trying to collect on the account. I sent Resurgent Capital Services a letter asking for validation of this debt and received a letter back from them dated XX/XX/XXXX stating they initiated a review, see attached documents. I also received an additional letter dated XX/XX/XXXX which stated they had enclosed an account summary which provides verification of the debt, see attached. This " account summary report '', which is also attached, doesn't provide any type of proof that I owe this debt, whatsoever. Also on the documents they have sent me it states that " The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency ''. I have attached the verification letter that I sent to Resurgent Capital Services and what I was asking for. This company is trying to collect on a debt that for one I don't have knowledge that I owe them, and the debt was charged off XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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 light of Equifax Once again admitting they are not doing their job properly with the newest news report of them admitting they have given incorrect information and credit scores to lenders. I can not trust Equifax 's investigation and policy of procedures. I wanted the rest of my request from my old CFPB case XXXX completed. 

-- Delete Medical Collection Account / Paid to the original creditor -- Dispute Collection Agency XXXX Collection Agency XXXX XXXX XXXX Account Number # # # # # # XXXX -- Delete Trade Dispute Company Name XXXXXXXX XXXX  -- Delete below unauthorized inquiries Date Company Address Request Originator XX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX GA XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  This has cost be lost of over {$50000.00} of credit opportunities. Equifax failed to do an initial investigation before reporting these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC purchased BBVA. My loan payments did not correctly convert I guess? I never was late pay, see other accounts on my credit bureau. NO LATE PAYS. Please help as I am trying to buy a house and this one single account and causing a lot of problems. I have refined loan to another better bank and show a clear history too. 

I called PNC and they will not respond. What I am to do? 

This is not fair credit reporting for my history. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  accounts # Dispute XXXX XX/XX/XXXX XXXX Account Details Payment Status Account Number XXXX Condition Paid Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Charge account Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Account has been closed due to inactivity.| Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Phone # XXXX XXXX Between XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Account Details Payment Status Account XXXX XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Credit Card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks The following Accounts was in dispute- unresolved Creditor Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Best, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Recently, in XXXX of XXXX I checked my credit report as I was preparing to apply for a personal loan and realized an account was showing on my report in which did not belong to me. I didn't authorize for the account to be opened in my name nor did I agree to be added as an authorized user. The account in question is with BARCLAYS BANK DELAWARE and the account number is XXXX. The credit limit is XXXX and the balance showing is for XXXX. Immediately, I contacted XXXX. I was told over the phone that I was not the primary account owner and in fact someone had added me as an authorized user. XXXX then advised me that a simple dispute would correct this situation being I was only listed as an authorized user and can not be held responsible for an account I'm not the primary account holder on. They said my information was compromised during a data breach and a lot of there customers were having this problem. The dispute was to be completed within 30 days and upon completion the account in question would be deleted off my report. Upon completion, BARCLAYS BANK DELAWARE refused to delete the account off my credit report stating all the information listed on the account was correct. XXXX then advised I reach out to the Consumer Financial Protection Bureau and file a complaint as well as an identity theft report as its clear I was a victim of identity fraud. I've done both. The account in question has dropped my score XXXX points bringing me from a XXXX score all the way down to a XXXX and needs to be deleted immediately. It is not 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 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I noticed my XXXX XXXX, XXXX WAS REMOVED FROM MY CREDIT REPORT AND HAS DROPED MY UTLIZATION SEEMS TO BE ON PUERPOSE BECUSES I NEVER CLOSED THIS ACCOUNT AND ITS IN GOOD STATDNING. 

MY XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX LAST XXXX XXXX ADRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I noticed my XXXX XXXX, XXXX WAS REMOVED FROM MY CREDIT REPORT AND HAS DROPED MY UTLIZATION SEEMS TO BE ON XXXX BECUSES I NEVER CLOSED THIS ACCOUNT AND ITS IN GOOD STATDNING. 

MY XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX LAST XXXX XXXX ADRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC 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 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I called to get a copy of my free annual credit report from the three nationwide consumer credit reporting companies using the number XXXX. I only received a copy from XXXX. Equifax and XXXX fail to send me a copy of my consumer report. Pursuant to 15 USC 1681g ( a ) I XXXX XXXX the consumer in this matter is entitled to a copy of my consumer report from all three nationwide consumer credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I called to get a copy of my free annual credit report from the three nationwide consumer credit reporting companies using the number XXXX. I only received a copy from XXXX. XXXX and Experian fail to send me a copy of my consumer report. Pursuant to 15 USC 1681g ( a ) I XXXX XXXX the consumer in this matter is entitled to a copy of my consumer report from all three nationwide consumer credit reporting 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 explanation
Consumer complaint received 2022-08-06 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: TX

Complaint narrative:
Congress made it clear in USC 1681a ( 3 ) and ( 4 ) that I have to consent to having a consumer report furnished by Equifax, XXXX, and XXXX on my behalf or to create such reports which I have not done so by any means. I'm making higher payments as well as being charged higher interest rates because of this fact which means they are not exercising their grave responsibilities to me as a consumer. They are unfair and partial and they are not respecting my right to privacy. They never had permissable purpose to furnish a consumer report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
am a victim of identity theft, I have a ftc identity theft report and I want these accounts removed from my report, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX credit card, these accounts are fraudulent, my information is being used to open these accounts, I have no knowledge of these accounts and Im asking, experian to remove these accounts, I am now suing XXXX for a data beach and XXXX XXXX for exposing all my information on the dark web, no fraud alerts please, please remove accounts from my credit report, please tell Experian no excuse they do not help when I call so Im using this process because of rudeness and unprofessional people so please remove all these accounts, I have enough information Im providing I did file XXXX  complaint against experian, I want these accounts gone experian is in violation of the FCRA, experian has violated my rights, attorney says this can become a legal issue please delete these accounts, I am a XXXX none of these companies have it on documentation as me being a XXXX I was told by a lawyer that I hired to sue XXXX XXXX and XXXX that all my information was leaked on the dark web, social security number, drivers license number, phone numbers, addresss, emails, I want these accounts taking off or it becomes a legal issue I will sue

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