vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
Dear spring oak capital LLC Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692 ( g ). This claim is being disputed and a debt validation is requested. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I am merely exercising my right as a consumer. I would like to make note that the copy of the contract you provided never provided clear and conspicuous information in regard to my rights, my name nor is there any signatures provided. A contract should have two signatures. The documents provided does not bear any signatures. Where is the original application? In order to obtain any type of funding a person must complete a credit application. Where is the request for credit? 
However, I was never notified by Anyone that the contract has been in fact been sold to you. Please provide me with proof that I was made aware of the sale of the contract. I asked that you provide me with what was used to verify my identity. The documents provided are contradicting and confusing. They do not verify that this is my debt. Be advised that I have spoken to an attorney and they stated that Spring Oak Capital LLC is supposed to send a notarized document from the accounting department showing the accounting ledger. Yet I have never received such a document from this company. I am simple informing this company that this is not my debt and they refuse to investigate this matter and seems to be in violation of my rights. This is my last and final attempt to clear up this matter before I seek help from a judge. Please if you do the proper investigation you will find that this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2022-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
basically somebodhy stole my XXXX  and i imedietly started calling my XXXX XXXX XXXX and other apps or contacting them in order to block my accounts or cards. my problem was with cash app, i was unable top reach a human, which at the time was not a possability as cash app did not have real people to talk to or offer. i had to log in to the app in order to do so but all i was able to do or allowed to do was send an email. it took cash app 1-2 weeks to contact me but instead of blocking theives, protecting my funds, bitcoin and stocks, cash app practaces allowed for a perpetrator to hack into my cash app, use my email, my phone number to change all my info with cash app and lock me out of my account. still today 2 years later after openig cases, filing police reports, sending a detailed report to cash app, sendinig my identity and going throuogh cash app idenity process, after opening a new account with my same info that was higjacked, after all of this and still attemtpying to contact cash app about it. there ianswer is that they can not allow acess to the account, they can not help me in any way and basically not allowing me acess to my half a bitcoin, multiple stocks, and cash in the app, basically robbing me and not giving a care in the world. at the time the value was close to alltogether aroundf XXXX with XXXX of it bitcoin the value of that coing XXXX to around XXXX monts or weeks later. it was all the money i had, it was everything..but i dont know what was stolen or what is still there in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: NJ

Complaint narrative:
I had a debt owed in the amount of {$1500.00}. I contacted the Debt Collector, North American Recovery, to begin the repayment process. I paid {$400.00} immediately, and entered into a payment plan to pay the remainder ( roughly {$32.00} every 2 weeks ).

I received a document indicating that roughly {$860.00} had been paid or credited to my account, which seemed to me that the company matched my initial payment with a credit. However, they indicated that I still owed roughly {$1100.00}.

I have contacted them at least 3 times regarding this discrepancy, and I have continued making payments during that time. On one occasion I was told that my concern was escalated and that I would be contacted by a supervisor ( I was not, despite providing my contact info ), on the second I was told to email XXXX with the statement I was sent as well as any other relevant details. My third attempt to resolve this involved me emailing the above referenced email on XX/XX/22, and I was told by my representative over the phone that I would hear back within 2 weeks. The automatic reply email I received indicated I would hear back within 30 days. I was never contacted during the 2-week period after the phone call. The 30 day period passed, and I still had not been contacted. I followed up via phone and was not provided any additional information.

Per the company 's own communication, I should owe {$400.00} less than what they currently declare my remaining balance is. I have given them ample opportunity to respond, and made a good faith effort to address this issue, and it still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: DISCOVER BANK
State: MI

Complaint narrative:
From XX/XX/2022 - XX/XX/2022 DISCOVER has been in violation of federal laws by adding late payments on an unexplained adverse action of the account. DISCOVER closed the account and then begin reporting late payments which is a violation OF FCRA. ALL balances and late payments that has been reported are inaccurate information. Also, they have recently stated that the account is 120 days late but is also reporting the account as 150 days late which is also incomplete and inaccurate information. I have sent several notices to DISCOVER regarding the inaccuracies of the account, but they have yet to resolve the issue and continues to report damaging information on my credit report causing me to be unable to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Previously reported this company to Transunion and called XXXX directly. Issue was never resolved after years of trying and sent a letter from XXXX showing I was never late but they decided to fraudulently add the same notes saying my payment was late when it was in fact never late. The vehicle was totaled out and paid off. Next time this happens I will take legal action against company for discrimination they consistently attempt to ruin my credit as a brown person.

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 2022-09-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Previously reported this company to XXXX and called XXXX directly. Issue was never resolved after years of trying and sent a letter from XXXX showing I was never late but they decided to fraudulently add the same notes saying my payment was late when it was in fact never late. The vehicle was totaled out and paid off. Next time this happens I will take legal action against company for discrimination they consistently attempt to ruin my credit as a XXXX  person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
XXXX-Notary came to my house to sign closing documents. The signed Note was filed with the county recorder ( as per county recorder website ). 

XXXX A new Notary came to my house to sign closing documents a second time. I was told my original closing documents were lost in the mail. 

XXXX A new Notary came to my house to sign closing documents a third time. I was told my last name needed to be updated on the documents. A total of three different Promissory Notes were signed by me. 

XXXX I sent a verification of claim in the form of a Request for Inspection of my Original Wet Ink Signature Promissory Note. A copy would not be acceptable. 

XXXX Mr. Cooper sent a letter stating they were " unable to provide the original wet ink signature promissory Note as it could get damaged in transit. '' They enclosed a copy of the promissory Note. 

XXXX Their inability to allow me to inspect the Original Wet Ink Signature Promissory Note gave me reason to believe there is SUSPICIOUS ACTIVITY. I sent a second letter requesting documentation and proof of claim. I requested the following : -Proof of the existence of the account or contract in my actual flesh and blood name duly signed and witnessed by BOTH parties. 
-Proof of claim that this company is the current holder of due course of the Original Debt Instrument by allowing me to inspect my Original Wet Ink Signature Promissory Note. 
-Copy of the actual account whereby bank assay has occurred showing actual loss incurred of the alleged debt via an affidavit that this company is a creditor of the note in accordance to Generally Accepted Accounting Principles ( GAAP ). 

XXXX Mr. Cooper sent a letter stating my correspondence has no legal validity and is not a valid request. They stated Mr. Cooper was the holder of the Note and Mortgage and had the authority to enforce all rights under these documents. Additionally they THREATENED to report the invalid documents received to the appropriate authorities. 

I have remained in honor by keeping my account current throughout this entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: IA

Complaint narrative:
This was a debt originally with XXXX XXXX Bank in the amount of just over {$500.00} ; however, I lost my job during COVID-19 and was not able to make payments. I eventually got a job but with fewer hours and reduced pay - could not afford payments. I contacted XXXX XXXX Bank to notify them of my hardship but they were not helpful. Now, I see this on my credit report for an amount of over {$900.00} - which is FALSE. The last payment made on this XXXX  XXXX account was in 2020... it should not be this high!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
False claim of payment due From XXXX XXXX XXXX XXXX XXXX I rented an apartment through XXXX. I paid the rent for the first 1 1/2 years via cash directly handed to them at their office every month. Then after about 1 1/2 years they went digital and I was able to set up automatic monthly payments. 
in XXXX I received a bill for XXXX XXXX for damages to the apartment, ( I have photos that show there was no damage to the apartment ) I hired a lawyer and the management company backed out. 

Two plus years later I recieved a letter in XX/XX/XXXX from ProCom Services, a debit collection agency stating that I owe a month rent amount for the month of XXXX. I have bank statements showing I paid via automatic payments every month. 

Also after I showed ProCom proof of payment they then sent me, a few months later, a new debit of XXXX XXXX  of damages to the apartment. I have photos that show there was no damage to the apartment when I left. I hired a lawyer again back in XX/XX/XXXX to fight this claim. The lawyer did not hear anything back from ProCom after XX/XX/XXXX and then I found out a few days ago that since XXXX XXXX there is now a debit collection on my credit reports.

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 2022-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I have for over a year now been in Constant communication with National credit systems about the fraudulent activity they have been permitted to get away with. They are reporting derogatory data to XXXX when THERE HAS NEVER BEEN A CONTRACT between the consumer and this company. Despite even litigation this company continues to harm the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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 — Problem with personal statement of dispute
Company: Absolute Resolutions Corp.
State: OH

Complaint narrative:
Absolute Resolutions ( Debt Collector ) has a collection on my credit reports that I paid {$2700.00} to settle the debt. They marked it as paid but did not remove the collection as agreed once payment was made.

I paid as agreed and they didn't keep their end of the deal by removing the collection.

The original collection is at the 7 year threshold and should have been removed.

This is harming my credit rating. Please advise. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
An open end consumer credit transaction initiated in XX/XX/2020 has resulted in theft and deception due to unconscionable contract and fraud of CIG FINIANCIAL. This company stole a vehicle that was paid in full, and continues to report intentionally harmful data to credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Im a natural living human and I have rights under the 15, USC 1681, that Equifax who is governed under 15, USC 1681, they have violated my rights on numerous occasions and I demand that the following accounts from the list below be removed. According to Rule 15, USC, 1681, I have the right to privacy and I did not give equifax real permission to furnish these accounts information. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion refuses to remove false derogatory information from my credit report. They say that they investigated the issue but as far as I can tell, their investigation lacks any credibility. Apparently they just take the word of anyone who says they are owed money and damages my credit report without having a serious dispute process. I have the right to see the proof of debt and demand that this be provided me. I have a right to a serious dispute process and that my side be taken into account. This was not done. It should be illegal for TransUnion to cause me this harm and refuse to correct it. I need to see all documentation that was provided to them as part of what they claim is their investigative process. I must be able to dispute the false information. They have no proof of a legitimate failure on my part to pay a legal debt, since I do not owe any money that is being claimed and they have no proof ( not unfounded comments ) to the contrary. Attached please find documentation I sent TransUnion and which they have failed to act upon.

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 2022-09-11 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
In addition to NEVER HAVING A CONTRACT WITH THE COMPANY AIDVANTAGE ; this company is reporting knowingly harmful and fraudulent data to credit reporting agencies. This company even sent email saying that Im not required to make a payment at this time- so why is this company reporting false late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX at XXXXam I received an e-mail from Bank of America stating that I was approved for a 'Bank of XXXX XXXX XXXX Banking Account XXXX XXXX 

I did not submit an application for this account. I called Bank of America immediately and connected with the Fraud Department. They were able to close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In addition to NEVER HAVING A CONTRACT WITH THE COMPANY XXXX ; this company is reporting knowingly harmful and fraudulent data to credit reporting agencies. This company even sent email saying that Im not required to make a payment at this time- so why is this company reporting false late payment

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 2022-09-11 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:
In addition to NEVER HAVING A CONTRACT WITH THE COMPANY XXXX ; this company is reporting knowingly harmful and fraudulent data to credit reporting agencies. This company even sent email saying that Im not required to make a payment at this time- so why is this company reporting false late payment

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