vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I spoke/written/emailed all the companies regarding the debt with XXXXXXXX XXXX XXXX XXXX XX/XX/20 I had called XXXX XXXX XXXX and attempted many times to get this account removed and was told by an employee I would have to come inside to cancel, which I am unable to because I live in a different city. 

Later that year when I called and spoke with someone from the gym they said it wasnt an issue and helped me cancel the account over the phone and sent a confirmation/cancellation letter showing a {$0.00} balance. 

They ( XXXX XXXX ) said they were putting an email through to have my fees waived. As I have not been living in the city for over a year and I had the letter. 

Then I received an email from XXXX, I wrote them a letter ( I completed the letter within the timeframe ) and provided the proof for cancellation and debt. 

They continue to hold the debt. 

I have sent letters/emails to all companies with the cancellation letter provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
This debt is not owed, these charges are fraudulent as what they are trying to charge me for does not apply and I have video evidence to prove it. They tried to say that the carpet was left in a state where it needed to be professionally cleaned and I have a video of an entire walkthrough of the building and its clear the unit was left in extremely good shape, ATLEAST as good as I received it in as I had to make some repairs to fix their shoddy work. 

In addition to these being fraudulent charges in the first place, they also called my work multiple times. 

Here is the link to the video : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I was in bankruptcy but have since been dismissed in XX/XX/XXXX. I made payments to the trustee and those payments went to the mortgage as I had no other debt. Fay Servicing is my current serviced and they are claiming that last payment posted was to the XX/XX/XXXX payment. I requested a loan payment history on XX/XX/XXXX. I have not yet received my loan history and have since requested it and spoke with representatives from Fay multiple times. ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) Additionally i was sent an assistance package which I completed and faxed in on XX/XX/XXXX. I spoke with XXXX on XX/XX/XXXX on how to fill it out after not Reaching my account XXXX and leaving him a voicemail. XXXX stated XXXX to send in paystubs And I followed accordingly. Fay is not accepting my assistance package now per some time limit stating they do not have a complete package because of paystubs though I did exactly as instructed by the representative XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc
State: WI

Complaint narrative:
Account should never have been in collections, written proof of debt requested TWICE via Debt validation letter. Sent certified mail with return address. No response. Needs to be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
Regional Acceptence agreed to remove this account off my report once so settled it the them. They have not kept their word as it remains on my report. I have called and still no answer or call back.

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 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: TN

Complaint narrative:
I purchased my home in XX/XX/XXXX and in XXXX I became XXXX In XX/XX/XXXX, I was approved by Keep My Tennessee Home Hardest Hit Fund Loan through the Tennessee XXXX XXXX XXXX ( XXXX ). After my loan was completed I was approved for a loan modification through XXXX XXXX Mortgage XXXX and then transferred to XXXX XXXX XXXX I was approved for a XXXX modification through XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX at the height of XXXX. I completed the trial period in the amount of {$650.00}. XX/XX/XXXX I underwent another hardship when a water pipe burst under a slab in my home which increased the water usage and my bill was extremely high and couldn't make my mortgage payments. In XX/XX/XXXX, XXXX informed me by letter my mortgage was being transferred to SN Servicing Corporation and they would be able to assist with the modification process. During XXXX and the slab leak and high utilities my payments fell behind. In XX/XX/XXXX when I became able to to start making payments my case manager./representative, XXXX XXXX ( XXXX XXXX XXXX X XXXX told me I needed to do another modification even after I told her I was approved by SPS. She also told me to pay something to show good faith, ( at least I started to ). In XX/XX/XXXX I received a letter stating {$600.00} payment was rejected and charged {$30.00} which wasn't refundable because it wasn't sufficient to make the payment as stated in the notice of payment for {$710.00}. And I never received my final modification contract with new mortgage payment. At this point I was confused and in need of help. She said I needed to pay as of XX/XX/XXXX {$12000.00} mortgage payments in full. She said I couldn't afford my home and should sale it, file bankruptcy take out a XXXX XXXX XXXX, after she revealed to me she was homeless. I told her I was sorry to hear that but it sounds like you want me to be homeless too, because instead of trying to help me keep my home you sound like you want me to be homeless like you were. I asked to speak with her Manager. She transferred me to her Mgr. XXXX XXXX. They both refused to accept any payment unless it was in full ( one lump sum ). I feel I have been discriminated against because after my mortgage was transferred from XXXX XXXX XXXX, SN Corporation Servicing refused to honor my Covid-19 hardship modification, refused to accept reduced payments or make payment arrangements. I now have foreclosure sale date on my property for XX/XX/XXXX Respectfully and Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands

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 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: NY

Complaint narrative:
I opened my account last year as per the rules of the promotion ( attached ) to receive a payout of {XXXX} after direct deposit with promotional code. After receiving my direct deposit on XX/XX/2021, the bank has not honored the promotion unfortunately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11 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: FL

Complaint narrative:
Accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number # XXXX And US DEPARTMENT OF EDU Account number XXXX has Violated my rights. 
15 USC 1681 section 602 A. 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 a account without my written instructions.

Also they do not have any permissible purpose to furnish my person information to any third party 15 UCS 1681b.

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 2022-04-11 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: IL

Complaint narrative:
On XX/XX/XXXX I disputed an account and inquiry made fraudulently on my Experian account. This is the third time I have disputed this item with Experian. 
I spoke with Somebody from Experian and they stated that they did not receive documents that I sent multiple times. 

Fraudulent Account, Name, Addresses & Inquiries include FRAUDULENT ACCOUNT XX/XX/XXXX - XXXX XXXX XXXX XXXX FRAUDULENT INQUIRY : XX/XX/XXXX - XXXX XXXX XXXX FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX - FRAUDULENT NAME XXXX XXXX On XX/XX/XXXX I disputed an inquiry, incorrect names, and address made fraudulently on my XXXX account. 
This is the third time I have disputed these items. 

Fraudulent Inquiry, Names & Addresses include XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Incorrect Name : XXXX 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 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Credit Collection Services in XXXX, MA keeps sending me letters to me address saying I have an outstanding payment with my electricity company ( XXXX ). I have always paid my bills on time, I checked my account still and I have nothing due, and I even called customer service representative at XXXX to confirm there is nothing due for my account. This Fake collection service keeps sending me these letters saying I owe {XXXX} and are asking to mail them a check or pay through their website ( not XXXX website ). I XXXX this place and there are multiple XXXX reviews saying it was a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. 
Account # XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-11 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: NC

Complaint narrative:
EXPERIAN HAS BROKEN THE LAW! 

Experian is in violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 Violation - 15 U.S.C 1681b ( a ) 2 ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX XXXX XXXX have not given Experian written instructions to furnish my 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 2022-04-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: VA

Complaint narrative:
XX/XX/XXXX - made a purchase of {XXXX} ( XXXX XXXX XXXX ) XX/XX/XXXX - made request to cancel service with Merchant. They agreed to refund the amount and sent a cancel confirmation. 
XX/XX/XXXX - refund not posted to my account. Contacted Merchant who provided copy of correspondence from their payment vendor XXXX that refund was being processed and to work with my bank to locate the funds. 
XX/XX/XXXX - initiated a dispute claim with XXXX XXXX Way2Go card company. 
XX/XX/XXXX - received correspondence in mail from XXXX XXXX way2Go card company dated XX/XX/XXXX stating that the Merchant provided documentation that indicates the transaction was correct and they denied my dispute. 
XX/XX/XXXX - contacted Merchant and they state that they did not dispute that the money should be credited back to me and that they provided no documentation to XXXX XXXX Way2Go card services. Merchant also stated that the {XXXX} had already been taken from her account by Way2Go XXXX XXXX. 
XX/XX/XXXX - contacted XXXX XXXX again to escalate my dispute and to request the documents that the Merchant provided ( as per their correspondence ). Spoke with 5 reps who all ask for Social Security number and who were of no help, laughing at my questions and hung up on me and stated that my escalated dispute was being denied. 
XX/XX/XXXX - received correspondence from XXXX XXXX way2Go card dated XX/XX/XXXX stating that the dispute was denied and the documentation included were documents that I faxed to them to sustain my claim. There were no documents from the Merchant included that they state were used to deny my dispute. 

Below are the transactions on my account for the {XXXX}. There were 3 transactions on my account on XX/XX/XXXX - XX/XX/XXXX, XXXX. 

XX/XX/XXXX - Purchase {XXXX} XX/XX/XXXX - Reversal Credit {XXXX} XX/XX/XXXX - Reversal Debit XXXX XX/XX/XXXX - Provisional Credit {XXXX} XX/XX/XXXX - Provisional Debit {XXXX} If my dispute was denied by XXXX XXXX Way2Go and taken from my account and the money was already taken back from the merchant and they do not have the money, who has my money and where is it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 78 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MO

Complaint narrative:
I have a collection from XXXX under Afni Collections. I have never had a XXXX account, I have requested verification of debt multiple times from Afni, and have never received anything in regards to the verification of debt. I contacted XXXX to get information, they only gave me the account opening date and closing date. They advised I would need to reach out to the collections agency for more information. The opening date XXXX provided for the account has me as a minor. This debt is also over 7 years old based on the account closing date XXXX provided and is still being attempted for collections. I have no idea where this account came from. Even when I was a child my family never had XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXr # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Home Loan Center, Inc.
State: DC

Complaint narrative:
I submitted an inquiry via Lending Tree with the intention of securing information about tapping into my home equity. When entered my information ( only my name, address, phone no and email address ), I was presented with several questions that didnt seem to align completely with all of my needs. I proceeded believing there would be an opportunity to speak with someone at a later date about a formal application process or have an opportunity to review rough loan estimates. I did receive a few estimates, but they were for short term loans as apposed to loans pertaining to a HELOC. Not once did I provide my social security number, salary information etc. for a formal financial profile review / application submission. I received two notifications from lending tree last night indicating that I hadnt met requirements for a loan, and that per my request that reached out to credit bureaus to obtain my credit profile information. I never have them permission to do so, and this will result in an additional inquiry. This company and its practices are deceptive, and its important that they fully do disclose their intentions via phone consultations. Its not legal to check someones credit without their permission- Im concerned about this matter, and it needs to be resolved right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: IL

Complaint narrative:
In accordance with the Fair Reporting act XXXX XXXXXXXX XXXXaccountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency 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