vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
CMG Financial did NOT pay my flood insurance last year and my policy lapsed. They did NOT notify me and forced place flood insurance at 9X the original cost of my policy. Due to policy lapse, I am no longer grandfathered into my policy and am paying exponentially more for my policy, due to Flood Policy changes through the XXXX They then stopped my PMI in XXXX of XXXX and picked it back up in XXXX. Payments continued with reimbursements taking place through XXXX of XXXX. During this time frame they charged my escrow account for 11X the monthly PMI payment in 1 large lump sum. The month this payment was made, just happen to be the month ( only month ) that I did NOT receive a monthly statement. It took over a month to even receive this statement. I even received a statement labeled for this month, which was NOT correct. 

In short, due to incompetence and questionable business practices, CMG Financial has driven my Escrow account negative thousands of dollars and increased my monthly mortgage payment to double what it was when the loan was originally processed in XXXX. Not only am I paying for their mistakes, these errors will cost me over XXXX 's of thousands of dollars just for the flood policy mishap. 

I have attempted to settle these issues with the CMG for 3 months now and every time I call, I have to speak to a different person, even though I collect their Agent ID info, customer service states they can not look up that information. Every call ends the same : Promises to return my call the following day ( or Monday ), and 0 return calls have been received. 

As a consumer, this appears to be a gross mishandling of funds and questionable business practices. I am filing this complaint based on " Bad Faith '' practices instituted by CMG Financial. 

Note : The only complaint the CMG has adjusted is the double charge on my escrow account for the current homeowner insurance renewal ( not mentioned above, but yet another example of the incompetence ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to you to lodge a formal complaint against Zwicker and Associates regarding their detrimental impact on my financial well-being and overall quality of life. The actions taken by your company have resulted in significant hardships, including threats of legal action and potential damage to my credit score. I strongly believe that these actions are not only in violation of consumer protection laws and regulations but also constitute illegal practices, such as the unauthorized purchase and resale of my debt without any proof of my agreement to such obligations. 

It is imperative that your company provides conclusive evidence demonstrating my consent to the acquisition and subsequent resale of my debt. The absence of any record of my agreement renders this process completely illegal. I demand transparency in this matter and an immediate cessation of any attempts to resell the aforementioned debt back to me. 

Moreover, I am appalled by the threats your company has made, including threats of legal action and adverse effects on my credit. These actions not only violate consumer laws but also disregard ethical practices expected from a reputable organization. The following is an overview of the laws and codes that your company has blatantly violated : Violation of Consumer Laws and Codes : a. Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ] : Your company 's actions, including threats of legal action and credit damage, violate the FDCPA, which protects consumers from abusive debt collection practices.

b. Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] : By reporting inaccurate and unjustified negative information on my credit report, your company has violated the FCRA, which mandates fair and accurate credit reporting. 
c. New Jersey Fair Credit Reporting Act [ N.J.S.A. 56:11-33 et seq. ] : Your actions are also in violation of the New Jersey Fair Credit Reporting Act, which safeguards consumers from unfair and inaccurate credit reporting practices. 
I kindly request that you thoroughly investigate the details outlined in this complaint and take immediate steps to rectify the situation. Furthermore, I expect you to promptly provide a written response acknowledging the receipt of this complaint and informing me of the actions your company intends to take to address the issues raised herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2023-06-29 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: NY

Complaint narrative:
The following personal information does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX Inquiries : XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC
State: TX

Complaint narrative:
AllTran called me on XX/XX/XXXX and refused to provide debt information. They attempted to call me again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at times I could not answer the phone. Five days have passed since initial contact and I have not received a notice or information about my debt yet. This is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2023-06-29 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to you to lodge a formal complaint against XXXX XXXX XXXX regarding their detrimental impact on my financial well-being and overall quality of life. The actions taken by your company have resulted in significant hardships, including threats of legal action and potential damage to my credit score. I strongly believe that these actions are not only in violation of consumer protection laws and regulations but also constitute illegal practices, such as the unauthorized purchase and resale of my debt without any proof of my agreement to such obligations. 

It is imperative that your company provides conclusive evidence demonstrating my consent to the acquisition and subsequent resale of my debt. The absence of any record of my agreement renders this process completely illegal. I demand transparency in this matter and an immediate cessation of any attempts to resell the aforementioned debt back to me. 

Moreover, I am appalled by the threats your company has made, including threats of legal action and adverse effects on my credit. These actions not only violate consumer laws but also disregard ethical practices expected from a reputable organization. The following is an overview of the laws and codes that your company has blatantly violated : Violation of Consumer Laws and Codes : a. Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ] : Your company 's actions, including threats of legal action and credit damage, violate the FDCPA, which protects consumers from abusive debt collection practices.

b. Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] : By reporting inaccurate and unjustified negative information on my credit report, your company has violated the FCRA, which mandates fair and accurate credit reporting.

c. New Jersey Fair Credit Reporting Act [ N.J.S.A. 56:11-33 et seq. ] : Your actions are also in violation of the New Jersey Fair Credit Reporting Act, which safeguards consumers from unfair and inaccurate credit reporting practices.

I kindly request that you thoroughly investigate the details outlined in this complaint and take immediate steps to rectify the situation. Furthermore, I expect you to promptly provide a written response acknowledging the receipt of this complaint and informing me of the actions your company intends to take to address the issues raised herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: NY

Complaint narrative:
As I recently reviewed my consumer report, I noticed there are still incorrect addresses furnished on my report. This is inaccurate information and there should always be 100 % accurate info at all time pursuant to the FDCPA. This is not my first time telling Experian to remove this inaccurate information off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
my signatures were forged on documents. 
notice of recission was sent and its past 21 days. 
Car was illegally repossessed.

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 2023-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Autovest, L.L.C.
State: VA

Complaint narrative:
I voluntarily surrendered my vehicle in XXXX of XXXX because I was unable to make payments. My creditor was XXXX XXXX. I knew I would owe them the balance that was left after they sold my car at auction. But I never heard from them other than getting a notice that my car was sold and the remaining balance. 

Fast forward to XXXX of XXXX I get a knock on my door from my local sheriffs office with a warrant in debt summons from a company named Autovest LLC. I have never heard from this company until getting this summons paperwork. 

My complaint is regarding their business practices. Right when covid was over they have done this to many people from what I have read. They bought the bad debt for XXXX  on the XXXX and going straight to civil court with no communication in between. 

It may have been legal, but doesn't make it right. Especially right after Covid and did not even give me the chance to discuss this with them outside the court room.

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 2023-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I paid this debt already but they never send me that paid off letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My mom opened a Kohls credit card in my name when I was only XXXX XXXX old, and I don't want it on my credit account anymore. I am XXXX and she never talked to me about it. Despite the credit being good, I feel it's wrong to open credit or loans through an XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I made my defaulted mortgage current by paying {$41000.00}. 
Once my account was reinstated, I made XXXX consecutive monthly payments in full of {$3500.00} each on XX/XX/XXXX, XXXX, and XXXX for a total of {$14000.00}. This made my mortgage paid ahead through XXXX of XXXX. 

On XX/XX/XXXX, BSI Mortgage called me and told me they no longer allow payments ahead of more than 60 days and would not refund me the additional 2 of 4 payments I made. They offered to pay down my principal, which I did not want. I am self-employed, do not get paid regularly, and do not have any income coming in for the foreseeable future. 
I expressed to them that by taking XXXX ( XXXX ) of my advanced payments away, totaling {$7000.00}, they would force me into foreclosure. 

The system allowed me to make advanced mortgage payments. They should not allow it in their billing system if they did not allow more than 60 days ahead. 

I either need to get the advanced payments back, or they need to apply them toward future payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm begging you to update this acount and I never had a reposesion on my account. you ASAP action greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX recently added a XXXX  day late payment to my credit report for an account that has since been closed since XXXX. There hasnt been any late payments to this account and this issue was updated and resolved by XXXX XXXX in XXXX. As of last week, XXXX XXXX card has added a late payment to a closed account for XX/XX/XXXX out of the blue. Im not sure why XXXX XXXX  has added this information because I have credit reports reflecting no late payments from this company and it was paid never late. I dont understand why XXXX XXXX would update a closed account with incorrect information and would like it to be removed as the account was never late.

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 2023-06-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : Untitled Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America debited {$190.00} from my checking account authorized according to them by XXXX. I do not have an account with XXXX. I do not own a car financed by them and never authorized any transaction.

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