vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
I received a letter from Medical Revenue Services in XXXX regarding an alleged medical debt. I wrote to them at the address on the letter on XX/XX/XXXX to dispute the debt and requesting verification ( their letter stated a deadline of XX/XX/XXXX to do so ). They returned my letter unopened on XX/XX/XXXX, stamped " not at this address. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: FL

Complaint narrative:
With all due respect Under the Fair Debt Collections Practices Act ( FDCPA ), public laws 95-109 and 99-361, I formally notified Hunter Warfield to cease all communication with me regarding th debt for this account and any other debts that they have purported that I owe. I mailed Hunter Warfield a cease letter asking to not call me and on XX/XX/2023 at XXXX as I was entering my place of work. The agent was for one rude demanding money after I have clearly stated that I mailed a cease letter. Oblivious to what I was saying to her she tried to keep me on the line asking for money. As a consumer I have and know my rights and harassing me this time of morning has caused me great XXXX prior to work not to mention being late and nearly loosing my job. This is unacceptable for a company to go against policy and procedures. I clearly stated to cease all contact as they also should have my letter by mail. If I loose my job because of this I will contact the FTC and XXXX  and file a complaint against this company for harassment. This is against the law to do this to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
In XXXX of XXXX, I noticed a collections account on my credit report through XXXX XXXX, which was apparently opened on XX/XX/XXXX. 

I had no prior knowledge of this account or collections attempt due to no phone calls being received, or mail being sent to my address. 

This was also apparently collections on a credit card through a XXXX XXXX XXXXXXXX XXXX as listed on my report, I have no history with this bank, nor have I opened a new credit card since XXXX. 

I actually have all of my credit files locked due to an identity theft breach through XXXX XXXX, so this account shouldnt have been able to be made without my knowledge. 

A company by the name of LVNV Funding LLC is now attempting to collect on this card that was charged off / sold from the original creditor ( XXXX XXXX XXXXXXXX XXXX  ) Ive spent the better half of two weeks calling every single bank with that name and asking if Ive had an account with them, all of which has said no, or has turned me to the company that issues their cards, which have also said no. 

On top of this, Ive tried to reach out to LVNV Funding LLC, which can not be reached due to a cleverly designed automated loop that will never actually offer to connect you to a human representative. 

This is being listed as a derogatory account on my credit report that is NOT mine, I have attempted to dispute this through credit karma, to which they have declined to remove from my report due to it meeting some FCRA requirements that I wasnt notified for. 

XXXX on the other hand has already removed the account from my report, which means that XXXX is officially reporting false information and is refusing to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TMX Finance LLC
State: MO

Complaint narrative:
On Monday XX/XX/2023 via us mail I received a " Notice of Data Breach '' from TMX Finance they allowed my personal information to be breached and now will be a part of a class action lawsuit as they deserve! However in their letter TMX Finance offers me one year of XXXX " Identity Works '' free of charge paid for by them but when I attempted to enroll with XXXX " Identity Works " they said they can not verify me? And refuse thus far to enroll and take advantage of this free identity theft protection paid for by TMX Finance for their failure to protect my personal identifiable information TMX Finance should be ashamed and XXXX should immediately permit me access to said protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: IA

Complaint narrative:
I am attempting to transfer the title of my mortgage into a trust for estate planning purposes. I have called in 5 times asking if its possible with my mortgage loan type, each time I was advised they can not answer my question and that I need to send a written request to their Assumptions department. I was given an email address to email my written request to. I have sent emails on XXXX, XX/XX/XXXX and XXXX with a new written request for steps on transferring the title. At this point in time I have received no response to any of the written requests sent. When I call into customer service I am being told they have a follow up call set for XX/XX/XXXX. It at this point in time they have clearly missed that time line. Since they have not even acknowledged my written request they have clearly missed the RESPA guidelines for written requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account XXXXXXXX XXXX XXXXXXXXXXXX XXXX Date of first delinquency is missing? delete this account violation of fcra and fcdpa.

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 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account XXXX XXXX XXXXXXXXXXXX XXXX Date of first delinquency is missing? delete this account violation of fcra and fcdpa.

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 2023-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
XX/XX/2022 Axos Bank charged my checking account {$1200.00}, instead of the normal {$620.00} ACH withdrawl. I worked for several days to get this resolved and my bank, XXXX XXXX XXXX XXXX ( XXXX ) implemented a temporary credit to my account, until Axos Bank provided the full amount. Once that transaction was completed, I cancelled my automatic ACH payment to Axos and paid them the agreed upon amount of {$620.00}, which I had paid continuously prior to this " glitch '' as Axos Bank stated. I never missed a single payment and have full proof of my transactions through my bank. Axos Bank has continued to stack on the {$1200.00} credit and late fees for the past year and I have contacted the XXXX  in the state of CA and NV with no resolution. I have filed complaints with all three credit bureaus as well and NOTHING has been resolved. I have EXEMPLARY credit and my score prior to THEIR accounting error was above XXXX. My score has dropped XXXX XXXX and I am receiving ZERO satisfaction from any consumer protection or credit bureau that I have contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: SC

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. 



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, 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 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 ) 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 2023-04-11 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: SC

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. 



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, 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 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 ) 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 explanation
Consumer complaint received 2023-04-11 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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from 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 non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I purchase an oven from this company. After the purchase I found out this company doesn't not exist. I had to finance the purchase with this company called Affirm. Affirm says they paid this company but they are not providing me any proof of that. it is impossible since they don't exist and I never received the product. how does affirm pay a company that does not exist. this was a total scam by both companies. I have sent them all the information. I have asked them to close my account. so far they are refusing. 
Close Out Deals ORDER # XXXX Thank you for your purchase! 
We're getting your order ready to be shipped. We will notify you when it has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: MI

Complaint narrative:
XXXX XXXX- I used this company to make a purchase with a merchant by the name of XXXX XXXX XXXX XXXX of XXXX or XXXX. I never received the merchandise still til this day. I contacted XXXX after I paid off my loan with them and explained the situation to them. XXXX told me that the merchant has a no refund policy. In order to return something, you wouldve had to receive something. I reached out to the merchant several times and I couldnt get through. I contacted XXXX several times via phone, email and twitter still no luck. I reached out to my FI ( XXXX XXXXXXXX XXXX ) explained to them what happened, and I disputed the transaction with them. I won my dispute with my bank. XXXX sent my account to a collection agency I submitted proof to the collection agency, and they stated they would no longer collect on XXXX behalf. Then XXXX popped up on my credit report Ive tried to reach out to them again as well as dispute this transaction with experian and they keep knocking it down. XXXX has sold my account to another debt collector and I submitted proof to them as well and they're no longer collecting on their behalf. Im writing this letter in hopes that this error is corrected before it turns legal. You're my last hope please help me. I've submitted all of my proof to experian and have no problem submitting it to you.

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 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HF Holdings
State: GA

Complaint narrative:
HF HOLDINGS , INC. is reporting a collection account in the amount of {$6500.00} on my credit report. Not only have I not signed a contract to do business with this company, but they have failed to send me a validation of debt notice showing that I am legally required to pay them, which is a direct violation of the FDCPA. This means that they owe me {$1000.00}. I will be sending an invoice to collect payment, as well as a certified letter containing the above stated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV funding LLC. or any of their affiliates are not licensed or registered in the state of Florida as a debt collector, or collection agency according to the NMLS Consumer Access website. LVNV Funding LLC NMLS ID # is XXXX, they are licensed and registered in 23 states, but Florida is not one of them, therefore I ask that they cease and desist immediately, and remove all tradelines from all 3 credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/2022 - Purchase made at Best Buy. {$380.00} Product was in a seal box at the time of purchase. Would not accept a charge on attempted use. Best Buy would not accept a return and said that the serial number on the product did not match the serial number on the box. 

XX/XX/2022 - Initial dispute filed with the card company XX/XX/2022 - Dispute was declined by the card issuer. 

I have filed a disagreement with this ruling and spoken to an manager in the dispute department. The card issuer referred to the merchant, Best Buy, who said the item was unreturnable and placed the blame for the serial number mismatch on me. Card issuer agreed and denied the dispute. 

As far as I'm concerned, Best Buy sold me a product that I can't use and can't return.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kikoff Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$5.00} XX/XX/2023 KICKOFF LENDING LLC {$64.00} XX/XX/2023 XXXXXXXX XXXX  {$190.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( ie : an original consumer contract with my signature on it ) that you have on file for the account listed above. or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: PNC Bank N.A.
State: PA

Complaint narrative:
Made a {$20.00} gas purchase inside store. My account was charged {$120.00} my receipt said {$20.00} I contacted the store and was told by the merchant that was not his problem! I was unable to buy my daughter an XXXX dress and unable to purchase groceries. I did not pay at the pump. So why are they holding my money. It's been 4 days. They are still holding my money. The bank said the money was scheduled to be released yesterday but has not as of today 's date. I posted it in my neighborhood app only to find out that this is normal practice. I understand that a hold is necessary when you pay at the pump as was not the case. Please STOP these Gas stations from hurting ppl with financial hardships in my Communities all access this Country!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: CA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
Disputes XXXX and XXXX On XX/XX/2023, both my wallet and phone were stolen shortly after checking into a hotel. My Chime card was used to purchase ~ {$1300.00} in goods, food and even an atm withdrawal. My phone was accessed. I filed a police report with XXXX and the FBI. I disputed the charges as fraudulent and have been working with an investigator with XXXX. On XX/XX/2023 and subsequently, Chime denied my claims saying I authorized the charges. This is false. I did not authorize any charges reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have had an American Express XXXX XXXX, during a difficult transition in my life, I fell behind with this credit card. As soon as permissible, I paid this account off in full as agreed. Upon completion of payments, it was agreed that I would regain membership, I had to speak to the CEO of the company via written request because after completing the paper application I never got the membership. After months of correspondence, I am no longer interested in the offer to what was given however I would like to have my status updated with each bureau. It is currently states as " Paid, Charge-Off '', if I understand correctly, Charge Off means " the lender or creditor has written the account off as a loss, and the account is closed to future charges ''. This is not the case because I have in fact Paid this account in it's entirety therefore there was no loss. I have done my due diligence in satisfying my debt and I am asking and pleading to have this status changed as it affects my ability to grow with other lenders.

Company response to consumer: Closed with explanation