vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Source Receivables Management LLC
State: OK

Complaint narrative:
I am writing to file a formal complaint against Source Receivables Management regarding their inappropriate conduct and harassment during our recent phone conversation seeking resolution and requesting a modification to the method of communication between us. I have received multiple phone calls from Source Receivables Management in relation to an outstanding debt, and I must express my disappointment in the unprofessional and disrespectful behavior exhibited by their representatives. Their tone, language, and persistent attempts to intimidate me during these calls have not only caused me significant distress but also violated the rights afforded to consumers under the Fair Debt Collection Practices Act. 

I firmly believe that all individuals should be treated with respect and courtesy, regardless of their financial circumstances. I kindly request that you investigate this matter thoroughly and take appropriate action to address the unprofessional conduct exhibited by this terrible company. 

Furthermore, I am requesting a modification to the method of communication between Source Management and myself. In light of the disrespectful phone interactions, I kindly request that all future communications regarding this debt be conducted via email or mail. This will not only allow for a more efficient and documented exchange of information but also help ensure that any misunderstandings or disputes can be resolved in a calm and measured manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
This is regarding XXXX Florida XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I went to the hospital for pains in my chest and having trouble breathing. i told the nurse that I did not have insurance so only wanted what I needed to find out the problem. She told me because I wasn't working and had no insurance I would get Medicaid the hospital would file. They did an x-ray, had a Dr. come and see me also did another procedure. I said I didn't want x-ray as I did not have insurance, she said I needed to after being there for almost 3 hours. It was nothing and I had no answers. Two days after I was home the hospital called and notified me that I had to apply for Medicaid, I did and I was denied. I applied for help through a heath assistant program but have not heard anything and I have made several attempts and filled out a form and sent in paper work showing I was unemployed. I would like the debt creditors to stop calling and contacting me. I am willing to pay a bit toward this however, I feel there was negligence on the part of the hospital telling me I would receive the benefit and I did not. I also believe that I did not need all the procedures they did seeing there was no end result to my problem other than maybe something I ate or gas. Please take this matter into consideration as I am disputing all of the charges ad would like a realistic balance. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: CA

Complaint narrative:
XXXX reported 2 late payments over 60 days in XXXX to Experian. The company spoke to one of the account holders and due to financial hardship, agreed to allow these payments and assured that they would not be considered late or affect credit. 

I have an excellent payment history aside from this and would never have allowed these delinquent payments. The company refuses to respond to several emails I have sent to request evidence that the payments were due ( I received no statements or text messages that payments were due or late, which is how they would have alerted me to it ). 

Experian has declined multiple disputes and I am hoping to have these removed as the company provided inaccurate information and now refuses to respond.

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 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: IA

Complaint narrative:
on or about XX/XX/2023, I reviewed my consumer credit reports XXXX, XXXX, and XXXX XXXX and noticed collections on all three from a third-party collections agency so I decided to send them a debt validation letter requesting information on the so-called debt I requested the following. an original contract with a wet signature from the original creditor with a wet signature. the name address and and phone number of the original creditor. an itemized payment history associated with the account as to determine what is owed and/or that may be contested. proof of ownership of this debt and or whether they are even allowed to collect on this debt per law. I informed them they had 30 days to produce my request and or cease collection attempts and/or remove this from my consumer credit reports. during my 30-day wait, I discovered that this company via the NMLS that this company is not even licensed to do collections in the state of Iowa, whereas I am more than sure that the company has claimed numerous payments. I mailed this letter on XX/XX/2023, it has been about 50 days since I received what appears to be the last bill, with no itemized statement of the prior bill no original contract, and nothing on whether they are even allowed to collect this alleged debt they are not licensed in the state of Iowa.

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 2023-05-19 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: IN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-19 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:
Inaccurate account information : I am dispute any discrepancies in account balances, payment history, or account statuses that are incorrectly reported on my credit report. The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent several letters, and complaints to have information removed and it still remains in my credit. Its inaccurate and they continue to remain in my credit : You have opened an Account Dispute on your Experian credit report. 
XX/XX/2023 Your Dispute Results are ready. 
XX/XX/2023 Notifications Preferences Select all Mark as read Archive All alert types Sort Your Account Dispute has been updated. 
XXXX XXXXXXXX XXXX You have opened an Account Dispute on your Experian credit report. 
XXXX XXXXXXXX XXXX You have opened an Account Dispute on your Experian credit report. 
XXXX XXXXXXXX XXXX  You have opened an Account Dispute on your Experian credit report. 
XXXX XXXXXXXX XXXX Your FICO Score has decreased by XXXX points. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX has reported your account as over or at your credit limit. 
XXXX XXXXXXXX XXXX  Good news : Your FICO Score has increased by XXXX points! 
XXXX XXXXXXXX XXXX XXXXXXXX got a copy of your Experian Credit Report. 
XXXX XXXXXXXX XXXX Your Account Dispute has been updated. 
XXXX XXXXXXXX XXXX Good news : Your FICO Score has increased by XXXX points! 
XXXX XXXX XXXX Your Address Dispute has been updated. 
XX/XX/2023 Your Employment Dispute has been updated. 
XX/XX/2023 Your Employment Dispute has been updated. 
XX/XX/2023 Your Address Dispute has been updated. 
XX/XX/2023 You have opened an Account Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Employment Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Employment Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Address Dispute on your Experian credit report. 
XX/XX/2023 You have opened an Address Dispute on your Experian credit report. 
XX/XX/20XXXX 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 2023-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MN

Complaint narrative:
I send my payments weekly in advance of my due date. Per the guidelines of my loan I am allowed to do this and they will hold the payments and apply them at my due date. They keep losing and misapplying my payments and telling me Im late. I am not. I have attached all payments sent since my loan origination and the confirmation numbers from my bank.

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 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Creditor Name : XXXX XXXX ( Bank ) Date : XX/XX/23 Action : When contacting TransUnion and XXXX to remove inquiry they advised me to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.

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 2023-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
I received a text message from " Spring Oaks Capital , LLC '' offering payment plan options for a debt I allegedly owe to XXXX  XXXX. I do not owe anything to XXXX XXXX ; I do not have and have never had a card from them. All of my credit cards are in excellent standing and paid in full every month. I have no debt aside from student loans. I thought the text might be a phishing attempt, so I googled -- and my goodness! It's actually WORSE than a phishing scam. There are COUNTLESS complaints by people who received these texts and then found a fake debt on their credit report in default status. Many people have figured out that XXXX XXXX purchased a very old debt ( that was legitimate in the past, but that since expired or was paid off ) and then reported it as a new debt! Others have simply fake debts on their reports. I have not yet checked my report, but if there is anything about this " XXXX XXXX '' or XXXX XXXX XXXX reported on there, I will take every possible legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX -- I received unsolicited prescreened credit card offer from BANK OF AMERICA ( BOA ) for card with 0 % APR for the first 18 billing cycles. I accepted this offer to purchase expensive XXXX XXXX, allowing me to FULLY pay off balance before the end of the 18 billing cycles. I planned to make recurring FIXED $ 250 month payments using the usual autopayment options. No problem - easy right! WRONG - BOA rigs their online payment system to prevent FIXED payments. 
XX/XX/XXXX - BOA XXXX XXXX XXXX XXXX approved XX/XX/XXXX - purchased expensive XXXX XXXXXXXX with new card XX/XX/XXXX - made {$1.00} online test payment in anticipation of autopayment process ; Told by customer service can NOT set up autopay until receive first e-bill. 
XX/XX/XXXX - received first e-bill and attempted to set up fixed $ 250 monthly recurring payments. Only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXull balance payment of over {$3000.00}, EVEN THOUGH online BOA payment screen clearly reads ... '' You can also set up AutoPay based on the custom dates, amounts, and other details you choose ''. Also Txt response for HELP payment button gives FIXED payment as a third option. Service rep stated BOA stopped Fixed payments in XX/XX/XXXX!! This is FALSE ADVERTISING AND DECEPTIVE. BOA wants their users to miss payments and then pay a LARGE interest amount. BOA is preying on the working poor and elderly. Shame on BOA!!

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 2023-05-19 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
In accordance with the fair credit reporting act Navy Federal has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan for late purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I have paid them over XXXX for my title loan that was XXXX and they kept charging me hundreds of dollars for a repo expense that I had to pay to get my car back after a few missed payments. Theyve kept charging even after I paid it up up to over {$700.00}. Theyve only ever let me pay off {$200.00} of principal. Title loans are illegal in Ohio & yet they still have them here. My apr is 77 % and that is also illegal. They have only been taking my money for interest and made up fees. Our area is very poor and I cant imagine how many lives are ruined by this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am a victim of identity theft and this debt is not mine. I have police reports and detective narratives explaining that someone who was not me- opened an apartment in my name refused to pay and then exited the community. The suspects gender and physical description supports and proves that this debt is not mine. 

This suspect opened an apartment leasing contract with the XXXX at XXXX XXXX under my name without my knowledge or consent, then failed to pay their obligations. This debt is not mine and needs to immediately and permanently be removed from my credit files at all three bureaus. 
Im signing this to acknowledge and emphasize my complaint as a victim of identity theft who has never lived at the XXXX at XXXX XXXX. This debt and collection sought by XXXX XXXX is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: GA

Complaint narrative:
I booked a rental space through XXXX on XX/XX/XXXX to have old friends get together again for {$640.00}. Prior to our arrival the space had a horrible odor, everything didn't match the photos the host posted on XXXX. There were a lot of fingerprints on the TV and glasses ( plates and cups ), thick dust, extreme dirt, the couch was damaged and tears, one of my group friends got really sick from XXXX due to dust and odor, there are few on the list. I reported XXXX about this situation and sent photos for evidence purposes and they found the policy and house violations against the host. They recommendedthat I file a dispute charge through Discover credit card company because the host refused to refund when XXXX requested the host to do so. I contacted Discover on the phone with XXXX to file for dispute and she said she can not be able to help so I filed a complaint through XXXX and got a response from XXXX through XXXX that he can not do anything to solve this matter. 

Keep that in mind, I used my stage name known as XXXX XXXX XXXX on XXXXXXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
I tried to defer my payments while I was in school, but they said that they would not defer on XX/XX/2020. I am trying to buy a house and it is defamation to my character and livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
In Accordance with the fair credit reporting act XXXXXXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I tried to defer my payments while I was in school, but they said that they would not defer on XX/XX/2020. I am trying to buy a house and it is defamation to my character and livelihood.

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 2023-05-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I tried to defer my payments while I was in school, but they said that they would not defer on XX/XX/2020. I am trying to buy a house and it is defamation to my character and livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: MO

Complaint narrative:
I tried to defer my payments while I was in school, but they said that they would not defer on XX/XX/2020. I am trying to buy a house and it is defamation to my character and livelihood.

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