vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: Dorough & Dorough, LLC
State: GA

Complaint narrative:
1. Dorough & Dorough, ( D & D ) ( debt collector ) was fired by the XXXX XXXX and ordered to cease and desist all efforts to perform all services effective immediately. However, D & D ignored the cease and desist order, and filed an illegal garnishment and Writ of Fifa against me during the cease and desist period. ( Refer to attached exhibit 1 page 2 paragraph # 13 ). 
2. Refer to previous response by D & D to CFPB complaint # XXXX submitted on XX/XX/2021. 
a. D & D denies the allegations in my claim. However, refer to attached exhibit 1 ( letter from the association board ) as support that D & D was fired and was under a cease and desist order when they illegally acted and issued garnishment and Writ of Fifa. 
3. D & D agreed via a legal settlement document, signed XX/XX/2021 on behalf of the XXXX that the judgement and Writ of XXXX would be removed consistent with the agreed settlement schedule. The settlement agreement has been satisfied and D & D has reneged on the settlement agreement. To date the judgement and Writ of Fifa has not been removed. ( Refer to attached exhibit 2 XXXX signed agreement and Exhibit 3 Proof of Payment ) a. In addition, D & D agreed in writing to my counsel on XX/XX/2021 ( refer to email below ), that the release of the Writ of Fifa would occur once assessment payments through 2021 calendar year were satisfied. These 2021 payments have been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX XXXX said he was going to buy 2 cars for us in an auction, he received the money and never gave us the cars, now he does not answer our calls. He has 13 open cases in MD court. He is a professional scammer.

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 2022-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
In accordance with the fair credit reporting act XXXX 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 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 as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under open an 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 explanation
Consumer complaint received 2022-05-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a dispute into Experian, XXXX and XXXX disputing the XXXX XXXX Bank XXXX They are show several late payments on the account and a repo for this vehicle. This car is paid off and in my possession. They have still yet to send me the title to my car. The credit bureaus are not doing a very good job of keeping consumers credit protected and making sure everything is accurate. They are on the side of the credit provider. Very shameful. 
Account 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 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
At the beginning of the pandemic, in 2020, I was deferred from my job and was offered forbearance from my mortgage company. I was told no payment would be due and my account would remain current. This was not the case. They did not honor the forbearance and claimed I failed to make my payments in a timely manner, in spite of the fact that I wanted to resume payment in accordance of the terms of our original agreement. Instead, they continued to report me late, returned my payments back, and threatened me with extortion. They said if I didn't refinance a new mortgage through them they would put me into default and initiate foreclosure proceedings. I was willing to comply as I felt I had no other options until I was presented with the following terms, 3 % at 15-years. When I received my application, the terms changed without notification to 5.75 % at 40-years. I explained I am now able to pay and resume my mortgage and I am seeking no more than 15-years terms and they claimed they only offer 40-years term. They have intentionally reported me late, which would prevent me from seeking other financing options. This is extortion. I have went online and have seen numerous others with the exact same scenario. Loancare needs to be investigated and its clients need help, especially me.

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 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I have told them that I don't know what they are talking about and I don't owe the anything. They have the wrong person. They call several times day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received the promotional offer {$150.00} last year for spending {$1000.00} and now I received an email on XX/XX/23 stating that Amex will charge {$150.00} back because I downgraded my credit card account. This was not how the offer advertised and if I have known this I would not have accepted this offer because the annual fee is {$99.00} and offset the promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: DE

Complaint narrative:
Hello I recently received a copy of my credit report and I see that you are reporting inaccurate information in the personal information section. To diminish any speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX, De XXXX. Employer : XXXX Please remove any other references to my name, address and employer as they are not mine and I never used them. Also please send me an updated credit report when you have made these changes.

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 2022-05-24 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: DE

Complaint narrative:
Hello I recently received a copy of my credit report and I see that you are reporting inaccurate information in the personal information section. To diminish any speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX, De XXXX. Employer : XXXX Please remove any other references to my name, address and employer as they are not mine and I never used them. Also please send me an updated credit report when you have made these changes.

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 2022-05-24 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: DE

Complaint narrative:
Hello I recently received a copy of my credit report and I see that you are reporting inaccurate information in the personal information section. To diminish any speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX, De XXXX. Employer : XXXX Please remove any other references to my name, address and employer as they are not mine and I never used them. Also please send me an updated credit report when you have made these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
The XXXX XXXX COLLECTIONS amount of {$210.00} received my certified mail. The company has not responded to my debt validation letter, and still reporting to XXXX. According to the FCRA the have failed to mark as disputed and have NOT provided me a copy of any original documentation required under Section 609, Section 611 under the same law the required to promptly DELETE ALL information which can not be verified.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I am writing in regard to my account which was with Ally Financial account # XXXX based on my knowledge and the letter I have from Ally it is a paid off account never having settled this account yet on my credit profile it reports settled for less than full amount. I sent Ally a request for payment history to back the claims but have been ignored therefore I am making the request via the CFPB in the hopes of getting a breakdown of my account and the payment history.

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 2022-05-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I placed a dispute with this company several times regarding the same issue first being XX/XX/XXXX and again recently XX/XX/XXXX ( see included attachment for proof of dates ), I informed Experian of my FTC report filed both on my own as well as through the CFPB. I also verbal and physically have written disputes about the fraudulent accounts opened in my name. All this I have done thinking it would be taken care of and to no avail. According to 15 U.SXXXX Code Sec 1681c-2 ( a ) ( 4 ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT they must block this fraudulent information from reporting once I ( the consumer ) informed them that the information is not information relating to any transaction by me ( in this case the FTC reports I have filed as well as my written disputes to this company informing them of the theft ) by law this information I have identified as fraud is to be blocked no later than 4 business days after date they received my filings. This is very upsetting because its been over a year ago and I am still going through this pain staking issue rehashing old feelings of being defrauded. I am being hindered by this and need closure or seek other means of mitigation. I also have no bills so my proof of address is located on my license and will have to be sufficient.

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 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: TN

Complaint narrative:
Tate and Kirlin Associates , Inc has been contacting me via phone and mail to collect debt for XXXX XXXX ( original creditor ) and XXXX XXXX XXXX ( current creditor ) in the amount of {$72.00}. Ive never purchased anything from the original or current creditor. Ive asked Tate and Kirlin to stop contacting me but the continue to request payment. The debt they are attempting to collect is for XXXX XXXX. While my maiden name is XXXX, I have not used this name in 19 years. 

Letter Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX Collection Agency violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-05-24 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  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 2022-05-24 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Consumer Portfolio Services, Inc.
State: AR

Complaint narrative:
In accordance with the fair credit reporting act XXXX 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 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 as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
I placed a dispute with this company regarding this issue first being XX/XX/XXXX and again XX/XX/XXXX ( see included attachment for proof of dates ), I informed THE COLLECTION BUREAU OF FWB of my FTC report filed both on my own as well as through the CFPB. I also physically have written a dispute about the fraudulent accounts opened in my name. All this I have done thinking it would be taken care of and to no avail. According to 15 U.S. Code Sec 1681c-2 ( a ) ( 4 ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT they must block this fraudulent information from reporting once I ( the consumer ) informed them that the information is not information relating to any transaction by me ( in this case the FTC reports I have filed as well as my written a dispute to this company informing them of the theft ) by law this information I have identified as fraud is to be blocked no later than 4 business days after date they received my filings. This is very upsetting because after years of dealing with this situation I am still going through this pain staking issue rehashing old feelings of being defrauded. I am being hindered by this and need closure or will have no choice but to seek other means of mitigation through litigation. I also have no bills so my proof of address is located on my license and will have to be sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Now that I have received response from two entities none of the respondent provided information that is in dispute in full. Wells Fargo Bank now after many, many years later came with phony reason DATA BREACH. CFPB go back and look my complains and how many years I have been filing complain of entire were brush out. Data breach is not committed by account holder. How data breach took place and after so many years admits data breach took place is just phony. 
No, its great negligence and abuse of trust documents and personal information were mailed for many years and would have continued. The reason those stopped when we opened checking account and staff knew us. 
Its total and total phony loss of responsibility for Wells Fargo Bank to commute crime twice.

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 2022-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My wife ( XXXX XXXX ) and I were advised by our service in 2006 to do a spousal consolidation loan. This was a mere three months before the FFELP program was discontinued by the Dept of Ed. 

We have been working to repay our loans since then, going in and out of forbearance. However three years ago we discovered, through working with a student loan attorney, that out FFELP loans are in a legal limbo. They are ineligible for IBR, PSLF, or any potential loan forgiveness programs. This is because when the FFELP program was discontinued, no legal options were legislated for those of us still holding these loans.

The FFELP constitutes around 80 % of our total student loan debt. My wife and I have both XXXX XXXX XXXX XXXX XXXX for 10+ years, but the FFELP loans can not be forgiven.

Company response to consumer: Closed with explanation