vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX Account # XXXX XXXX Bankruptcy Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
1 ) Several requests have been submitted to Select Portfolio Servicing, Inc. ( SPS ) to provide proof of debt validation. The response from SPS to date has been inaccurate. SPS continues to provide documentation on Provident Funding as the originator of the presumed debt. SPS has not yet furnished the original promissory note dated XX/XX/XXXX. Therefore, as a debt collector, SPS must cease and desist from all proceedings concerning ACT 91 and any foreclosure action they are pursuing until this request has been satisfied. This matter is still opened and in question.

2 ) SPS has sent eight ACT 91 disclosures, was that meant to be a scare tactic? Those disclosures were sent based on inaccurate information and lack of debt validation and proof of origination. 
XXXX ) What personal interest does SPS have regarding this presumed debt? 
XXXX ) In the notice of default letter from SPS dated XX/XX/XXXX, states that " the holder of the promissory note has instructed SPS to pursue remedies '' - where are the instructions from XXXX XXXX XXXX XXXX XXXX, provide copies of said instructions? 
XXXX ) Why has there been no communication between XXXX XXXX XXXXXXXX XXXX XXXXXXXX and said debtors, directly? 
XXXX ) DO NOT respond by sending any transaction history or any more copies of documents with Provident Funding or XXXX XXXX, that seems to be SPS ' usual and customary response due to lower level employees furnishing incorrect documentation. 
XXXX ) If the presumed debt is defaulted in XXXX days ( or more ), is there an insurance that pays up the defaulted amount thus satisfying the debt? If so, then why does SPS pursue the debt when it has been paid. That is a false and deceptive practice. 
XXXX ) SPS as a debt collector is not transparent and has refused to send a copy of the servicing agreement for the presumed debt. Once again, a request is being made to provide a copy of the servicing agreement to presumed debtors for review. 
XXXX ) DO NOT call, the method of communication should always be via USPS mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
My subsidized and unsubsidized loans were " forgiven '' in XXXX of XXXX. I have been paying on them for well over 20 years so the time was up. Anyway, they show as paid in full on the provider 's portal but still show a balance on my credit report. There is also a refund of over {$3000.00} due to me that has not been received. I disputed this with the credit bureau but they were advised the reporting was accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I went to a furniture store to get furniture at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX NY XXXX XXXX I was approve for XXXX dollars on XX/XX/2019 approval number XXXX in which they ask for you checking account information, I gave it to them cause I Needed at that time the credit and the merchandise, I was told they will be deducting this money from my checking account which I agreed to, I Told the person who was handling my case that my basement apartment had a leak in the ceiling and that my Landlord will be fixing the leak that week cause I didnt want my new bed to be ruined they said ok let me know when you need delivery meanwhile this money is taking from my account I agree cause I just knew that I was going to receive what I put in an order for, I went back to the store to let them know my landlord fixed the leaking ceiling, I was told we dont have a delivery drive who could assemble your items in which I put that in as well that I need assembly, I said ok when do you think youll have someone they said give it a week we will Contact you so I Did I call one day to see if they had someone to deliver my items no answers I kept calling no answer then I went to the store and it was closed, as COViD came in I Couldnt do anything it on my credit with ACIMA and I NEED IT TO BE OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested for Equifax to delete certain inquires and also provide the police case number and they sent back saying that the information will stay. I provided the officers name badge number and case number. Equifax did not follow 15 U.S. Code 1681c2 - Block of information resulting from identity theft. The police did provide me with a case number that I provided to Equifax which declined to remove unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I received an Amex Gift Card from work. When I tried to use it online to get food, it wouldnt work, so I called the company to check why, and they couldnt even find my card ( which I was actively looking at the balance of, that being {$150.00} USD ). After calling them multiple times, and multiple times getting disconnected, I finally got on the phone with an actual person, who disconnected me and led me back to exactly where I was before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
they trying to say if i dont pay they will make sure it well hurt my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, a hard inquiry from XXXX XXXX appeared on my TRANSUNION credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
The supervisor I just spoke with today XX/XX/2023 about XXXX est was extremely rude offering to waive only one fee when the issue was for XXXX and XXXX. He was speaking so fast in a foreign language and speaking over me as I spoke. He then refused to waive any fees all because I told him I couldn't understand what he was saying especially being that he was speaking over me as I spoke. I absolutely hate that I even have to speak with you at all but someone really should do a better job at hiring and coaching these people. You all already owe me over {$200.00} that I've not gotten resolved and now I'm not receiving my invoices and incurring late fees.

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 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXX XXXX XXXX  say i owe XXXX i never had this card in it say open like im using it in i dont even got the card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
There were about 18 unauthorized transactions that occurred during the month of XXXX and XX/XX/2023 on my Barclaycard XXXX credit card ending in XXXX through XXXX payment system. These unauthorized transactions from XXXX payment system were not purchases and no sort goods or services were received but they were cash advances with fees and interest on XXXX system. It happened that out of these 18 disputed transaction, 12 of them has been resolved and XXXX refunding the amount, to my dismay 6 of the same set of transactions were not resolved, and these are the transactions not resolved : XX/XX/XXXX When I inquired why there was such inconsistency in how the claim was handled leaving out 6 of the same status of unauthorized transactions, they kept going back and forth from their dispute team to the fraud team. I had to refile these outstanding claims but have not received any letter from the financial institution to acknowledge that they are working on the resubmitted claim or received a temporary credit for the disputed amount while the investigation is on resulting in interest charges on the disputed amount. I am looking for answers hear, and why the silence and inconsistency.

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 monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc.
State: WA

Complaint narrative:
XX/XX/2023 I received a letter in the mail saying I owe {$150.00} from XXXX XXXX XXXX and Im not sure what that is. I dont have any record or receipt of receiving anything from XXXX XXXX XXXX XXXX number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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  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 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I was robbed for my drivers license and wallet. I file a police report ( XXXX ) Also, I filed a FTC complaint. Im accordance with the Fair Credit reporting Act XXXX account # XXXX Midland Management Group has violated my rights. 15 USC1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A Section 2. Also states that a consumer agency can not furnish an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
XXXX XXXX XXXX say i owe XXXX i never had this card in it say open like im using it in i dont even got the card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
In 2021, a USPS notice of change of address was sent to XXXX XXXX XXXX at XXXX XXXX XXXX indicating a change of address from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX to new address, XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX see attached. ( 1 ) Why was XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX ( 2 ) What prompted the change of address from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( 3 ) Why was there no explanation or alert/notice from SPS regarding this transaction ( 4 ) Where is the transparency? This is an unfair and deceptive act. ( 5 ) What mail ( s ) were sent to XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX Provide copies. ( 6 ) How long did XXXX XXXX XXXX reside at XXXX XXXX XXXX XXXX XXXX ( 7 ) The notice also states that " your mail will be forwarded to your NEW address, as you requested, on : XX/XX/2021- why was this change requested? and by whom was this change requested? ( 8 ) The notice also states, " mail will be forwarded for all persons at the old address of the following business : XXXX XXXX XXXX - what business was being conducted at XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXXXXXX  ( 9 ) Who granted SPS power of attorney to conduct business on behalf of XXXX XXXX XXXX? provide contract of power of attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXXXXXX XXXX allowed illegal unauthorized fraudulent transactions and charges and I submitted XXXX police XXXX. And other evidence investigations and reports of the illegal unauthorized fraudulent transactions and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Monarch Recovery Holdings, Inc.
State: MN

Complaint narrative:
Monarch recovery sent me a debt collection and the company is lying about the account and when I made a payment last. This is a XXXX credit account that XXXX XXXX bought after I had a huge issue with XXXX  and them not helping me with a bunch of orders from XXXX that never were shipped. This company is trying to say that the last payment I made was XXXX when in fact it was XX/XX/XXXX. I even called the bank and told them not to buy my XXXX account until I get things worked out with XXXX. They didnt listen. But to sell this debt and then have the buyer argue on the phone about it and that was a manager as I explained that I will not pay this debt and why she put a XXXX manager on the phone who was yelling in the phone right away. This is against the law and now they are calling the heck out of my phone 5 6 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
Its a open account from XX/XX/2021 for XXXX in its not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXXXXXX XXXX allowed illegal unauthorized fraudulent transactions and charges and I submitted XXXX police XXXX. And other evidence investigations and reports of the illegal unauthorized fraudulent transactions and charges.

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXXXXXX XXXX XXXX allowed illegal unauthorized fraudulent transactions and charges and I submitted XXXX police XXXX. And other evidence investigations and reports of the illegal unauthorized fraudulent transactions and charges.

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 2023-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: CO

Complaint narrative:
VILLAGE CAPITAL & INVESTMENT LLC LOAN NUMBER XXXX I have also been informed that Monthly Mortgage Statements received from Mortgage Servicer Village Capital And Investments L.L.C were not to date and or even accurate information in Mortgage Loan Statements each month inaccurate information reported in Statements received regarding my Mortgage Loan Servicing and they assured me that they ever will be able to make any changes that would be considered to able to access my accurate Mortgage Loan # XXXX would be in my best interest to have to contact them Monthly in order to get accurate information about my Mortgage Loan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Am a natural person.I am a living human being. I have the rights under 15USC 1681 Equifax is governed by 15USC 1681 and they have violated my rights numerous of times.I demand the accounts listed below be removed because according to USC1681 the rights to privacy and I did not give Eqifax written permission to furnish these accounts 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: MN

Complaint narrative:
I made my payment as agreed. I seen on my credit report that the payment amount due per month was increased to {$94.00}, but I was not informed. I just looked at the payment due and even though I made a payment, they charged a late fee and an unknown fee again. This is now the 7th month in row they have done this type of practice. Not informing me of the change in payment amount is illegal in itself.

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 2023-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: IL

Complaint narrative:
I received an email from carmax about an approval for a car payment extension which I had no acknowledgement of and didnt consent to. Im am also the owner of the vehicle and any changes to it and the contract shouldnt be done without my knowledge and consent. Its strange how my request to be removed from the contract was denied, me requesting for the vehicle to be picked up several times after being behind on payments for several months is also denied, but a payment extension is done without consulting with me the other owner of the vehicle, even though we both parties share equal ownership of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: National Credit Adjusters, LLC
State: KY

Complaint narrative:
XX/XX/2022 XXXX NOT MINDS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I asked the Credit Bureau to do a verification of my credit report and they did and stated that everything was accurate. i did a thorough research myself and i found improper inaccuracies on my credit report. 
In accordance with the Fair Credit Reporting my rights and account have been totally violated, according to 15 U.S.C 1681 section A, ( states I have the right to privacy. 15 U.S.C 1681 section 602 A ; ( states consumer reporting agencies can not furnish a account without my written instruction. 
Please check for the inaccuracies in the accounts below. 

XXXX account numberXXXXXXXX XXXX XXXXXXXX account number : XXXXXXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX

Company response to consumer: Closed with non-monetary relief