vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC
State: KY

Complaint narrative:
When can a debt collector report my debt to a credit reporting company? 
The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting.

The CFPBs Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ) became effective on XX/XX/2021. 
Learn more about the Debt Collection Rule and your debt collection rights. 
Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 
If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. 

Whether or not you have a debt in collection, its important to frequently check your credit reports for accuracy. If you think a debt collector has improperly reported a debt to a credit reporting company without meeting their obligations under the FDCPA, you can submit a complaint with the CFPB online or by calling ( 855 ) 411-CFPB ( 2372 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
Dear Wakefield and Associates, I am writing in regards to a collection listed on my XXXX credit report. The collection is dated XX/XX/2020 and is for XXXX I am disputing this collection. I have not made any payments on this debt and do not recognize it as mine. I was not aware of this debt until I recently reviewed my credit report. 

I am asking that you verify the accuracy of this collection and provide supporting documentation to validate the debt. If I do not receive a response within 30 days, I will consider this debt as invalid and request that XXXX delete it from my credit report. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: ID

Complaint narrative:
Guaranteed Rate currently is the servicer on my mortgage. I refinanced in XXXX. During the XXXX calendar year, I received the first XXXX statements, then proceeded to not receive a statement, then received a statement, then the following XXXX were not sent. These lapses in statement sending resulted in late charges which I agreed to pay. 

Later in XXXX, I changed the mailing address to my XXXX XXXX XXXX I believed this matter to be resolved. XX/XX/XXXX statement has not been received, but fortunately I'm paid up until XX/XX/XXXX at this point. 

My complaint is that I would like to report this lender for inability to notify a consumer with a monthly statement. I have a reminder in my bill pay to prevent late fees and have paid ahead, but my concern is that what could be happening if I am not a one off in this payment system. 

Please record my concern and if these actions are reported by multiple parties where the servicer is acting in bad faith to provide monthly statements in an attempt to charge late fees. 

I hope this is not the case, but felt the need to disclose as a mortgage servicer who's specific task is to provide adequate communication and collect payments should be adept at communication to the end customer. 

I've lived in my current location since XXXX and not experienced this problem with any other statement mailed to my home for monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
So, I sent you guys a letter about two weeks ago and still haven't heard anything back. You guys are reporting inaccurate Information on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: NV

Complaint narrative:
XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is not supposed to share my information to third party people/affiliates. These are clear violations of my federally protected consumer rights. 

Delete inaccurate accounts, delete inaccurate personal information and I want {$1000.00} per violation.

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 2023-01-29 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-01-29 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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:
I have contacted XXXXXXXX XXXX  about the negative and defaming information starting XX/XX/XXXX. I went to go get a loan from my local bank and I've been informed that I have bad credit and couldnt get it. I checked my report and seen that the XXXX XXXX account is reporting inaccuracies about me on my credit report. I am highly upset. 

If this account is going to remain on my credit report I challenge the accuracy and validity of your reporting company. 
( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

How could you guys be so careless when reporting this information about me this really hurt me and my business.

Show me the reasonable policies and procedures concerning the accuracy and integrity of furnished information of this account please.

And please have integrity about this account.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: IL

Complaint narrative:
I noticed information on my credit report which is inaccurate.

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 2023-01-29 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights : XXXX XXXX XXXX - XXXX - {$1400.00} DEPT OF EDUCATION/XXXX  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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I had several recurring transactions made on my account and I was reimbursed some but kept recurring and eventually my account was frozen money still being taking off my account and wells Fargo wouldn't give any of my money back after these where the same transaction that had been previously given back but I lost XXXX $ and my accounts were closed and this was determined fraud.

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 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've been in dispute with XXXX XXXX for a while now concerning an unverified credit account that they have been reporting negatively on my credit report. I've sent multiple cease and desists that they have ignored while investigating the lawfulness and legality of said account. On my last attempt XX/XX/23, I sent a handwritten letter demanding a complete XXXX XXXX of this account, including ledgers and full transactional history so that I may examine the account for myself. They refuse to send this information. If they are going to defame my character, I should at least be able to verify the information for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: IL

Complaint narrative:
Requested Lexis Nexis Consumer Center by website last year around XXXX  2022, as well as by phone tried to get free XXXX XXXX  for XXXX XXXX XXXX  Company never responded or sent free report as requested by mail/ website

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX I received a call from a XXXX XXXX identified herself as an employee from Chase fraud department verified my account number and said she was closing my account and issuing a new card. 
XXXX I received an email saying apple card added to my account. 
XXXX XXXX game stop charge appeared. 
XXXX XXXX  notification came on my phone charge on target fraud. 
XXXX charge at XXXX XXXX XXXX XXXX saw fraud report with game stop charge on there, I called chase and they gave me XXXX in my account. 
XXXX saw temporary credit XX/XX/16 took back credit. 

I went to XXXX police department filed a report, A detective went into XXXX stop and got surveillance tape saw it was not me. 
detective called chase explained all that also offered them surveillance tape they said no case closed. 
They are claiming the call from XXXX XXXX was a fraud phone call, like i was suppose to know that with all the people working fvrom home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D.S. Erickson & Associates, PLLC
State: MN

Complaint narrative:
I received a letter from this debt collector on services never rendered to me. If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.This is in violation of the section 146.002 of Texas law that states that, the health care service provider may not recover from any other individual who, because of a family or other personal relationship with the patient, would otherwise be responsible for the debt. You are also in violation of No Surprise Act ( SB 1264 ). Provide me dates and services rendered. I am not aware and did not have the services provided. I am requesting that, you allow me to validate the alleged debt. I am unaware of these debts and need you to provide a breakdown of all the bills. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission nor have services performed by the company listed to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Engaging in debt collection without filing a bond with the Texas secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex.Fin. Code 392.402. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it, may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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:
A new law took effect in XXXX  stating that medical collection accounts under {$500.00} could not be listed on credit reports any longer. I have a medical collection on my Equifax credit report for {$61.00} from a collection agency named : XXXX Collections. As per the new law stated above, I have the right to request this medical collection to be deleted from my Equifax credit report. I have request for this to be done, but Equifax refuses to delete this medical collection. I would like to have the CFPB to force Equifax to delete this medical collection as per the new law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
KOHLS/CAPONE shows balance of {$63.00} when it has been paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo had money sent from another country dont remember the amount of millions. They said there was nothing want to final is it true or not?

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 2023-01-29 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
ccs credit collection services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ma XXXX XXXX orginal cerditor XXXX XXXX prop casualty in accordance to a fair credit reporting conversion the said account number XXXX has violate my rights to privacy, acccording to 15 USC 1681 section 602 states that i have rights to privacy 15 USC 1681 section 604 section 2 states that consumer reporting agency can not furnish an account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Information is not correct and is being reported wrongly.

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 2023-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
Last year our county sent the wrong amount to our mortgage company. We immediately called and told them the amount was incorrect county didnt have us as residents. We went to county on the same day and this was corrected. Then we get a notice the higher amount was paid. We called again and was told it would be corrected. County sent overages to mortgage company however we received a notice that our payment would increase almost XXXX XXXX  per month. We called again. Nothing was ever corrected. I called in XXXX and asked when we would be receiving overage? I was told they will look at in XXXX when I protested this they said they would look into. We did receive a notice that our payment was going down {$210.00} and we were owed surplus amount of {$1600.00} that is great however per their statement we need {$160.00} per month in escrow why do they need {$920.00} in this escrow account? I am a XXXX XXXX XXXX XXXX that is over 5 months? We are also in the process of removing PMI insurance. They have been using over money for over a year, also not paying us interest on our money I dont think this should be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I used to normally utilize my XXXX credit card for gasoline near the end of the month. And in XX/XX/XXXX I attempted to utilized the credit card mid month. Despite having a XXXX dollar limit for purchases I was not able to utilize the card. I received a bill for balance on the bill for {$15.00}. I mailed a check along with the credit card back to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX for a billing payment due date on XX/XX/XXXX. Which would leave a balance of XXXX dollars due. 
Yesterday I received a bill for {$17.00} for a late fee as well as {$2.00} interest fee. I have communicated the closure of this account however the billing department at Synchrony Bank continues to bill for late fees despite receiving payments within the payment due date. Kindly address the issues with regard to late fees and interest fees for a closed account. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief