vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
I received a credit alert that a credit account was requested from GINNYS on XX/XX/XXXX. I called GINNYS on XX/XX/XXXX, and alerted the telephone representative that I did not request a credit account from GINNYS and advised this was identity theft/fraud. The telephone agent claimed the account would be closed as a fraud account. 

On XX/XX/XXXX I received a credit alert that GINNYS flagged the account as delinquent and reported to credit agencies. 

I called GINNYS on XX/XX/XXXX, and advised to the telephone agent of my communication on XX/XX/XXXX. 

The telephone agent claims the identity theft suspect called and reopened the account in XX/XX/XXXX. The suspect submitted a check, and GINNYS reopened the account and shipped an item. The check bounced and the account was reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Last year in XX/XX/2023, I found myself in a situation where I was actively seeking employment and was contacted by an organization that purported to offer a job opportunity. Unfortunately, this encounter turned out to be a fraudulent scheme, wherein the perpetrators would send counterfeit checks, instructing me to deposit them into my bank account and then transfer the funds back to them via XXXX under the guise of purchasing equipment for the position. Regrettably, I fell victim to this deception due to my earnest desire to secure employment and alleviate financial pressures associated with funding my education as a XXXX XXXX 

Despite the apparent legitimacy conveyed through the company 's website presence and purported listing on the stock exchange, as well as the completion of various forms prior to the receipt of any checks, it became evident that these were tactics employed to facilitate the scam. Upon the reversal of the deposited funds, I found myself in a dire predicament with my bank, as they conveyed an inability to assist in rectifying the negative balance incurred as a result of the chargebacks. 

Subsequently, I refrained from filing a police report, as I was advised by the bank that they could not intervene in the matter, leaving me feeling overwhelmed and uncertain about the appropriate course of action. With my account bearing a deficit of {$6000.00}, I was compelled by the bank to mitigate the situation independently, further exacerbating the financial strain I was experiencing. 

My primary grievance lies in the inadequacy of the bank 's safeguards concerning check verification processes, which allowed fraudulent transactions to proceed unchecked and ultimately deposit funds into my account. Upon closer scrutiny, the checks in question exhibited glaring discrepancies indicative of their fraudulent nature, including typographical errors and absence of authentic signatures. It was only after the funds had been deposited that the deficiencies became apparent, leaving me in a vulnerable position with limited recourse for resolution. 

In light of these circumstances, I am compelled to question the fairness and efficacy of the bank 's protocols, as they seemingly failed to uphold the integrity of their check verification systems, thereby enabling the perpetration of fraudulent activities. Moving forward, I urge the implementation of more robust measures to safeguard against such occurrences, ensuring the protection of account holders and the preservation of trust in financial institutions.

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 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
On XX/XX/year> I sent a certified letter via USPS to NCB Management Services, I requested that they validate the account to which they say I owe. 

I requested a legible copy of the original agreement bearing my signatures which would state the amount that I agreed to pay. i.e. provide me with a purchase agreement between myself and them or them and the original creditor. 

After requesting these validations to be sent to me, I requested that all future attempts to collect the debt must stop. 

I did not receive proper validation but rather I was contacted via email with an offer to pay or settle. According to 15 USC 1692 ( k ) that is a violation of my rights under the FDCPA.

It has been nearly 40 days since I've contacted NCB Management Services and I have yet to receive proper validation of the account.

NCB Management Services has not provided me with proper validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

NCB Management Services- a collection agency has no authority to furnish an account to a consumer agency without providing any and all disclosures required by law and are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681- S 2 ( 7 ) ( A ).

Due to several of my consumer rights being violated, I am requesting that NCB Management Services remove this collection account from my consumer reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to follow up on my previous dispute regarding the presence of multiple XXXX on my credit report. Despite my repeated requests for their removal, these entries persist, significantly impacting my creditworthiness and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony bank/JCP Synchrony bank/Lowes Contacted bank regarding unauthorized hard inquiry under the JCP division on XX/XX/2024 XXXX Shortly thereafter, I was notified my Lowes account had been closed by grantor. When contacted the representative said it was because I probably didn't meet credit worthy standards. This account is 14 months old, never late, XXXX balance, excellent standing. I have utilized it and paid purchases off early. This has caused undue hardship as it has removed a exemplary report from my credit standing, which was completely unwarranted. The hard inquiry remains, my account is gone. 
Although it is true that in the month of XXXX my score plummeted, the only reason it did so is because of a series of school loans for which I am a cosigner. My daughter is unable to make the full payments, and negotiations have stalled. I realize my responsibility, however a different solution will be required for those accounts as I signed for them prior to a change in my financial status due to unforseen circumstances.

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 2024-02-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gross Polowy LLC
State: NY

Complaint narrative:
This Complaint should be taken in conjunction with Complaint # XXXX. 

This debt collection law firm- Gross Polowy- violated the FDCPA multiple times over the course of the past few years during litigation of a foreclosure matter they were asked to handle on behalf of their client, XXXX ( the subject of the above-referenced complaint # ) During the course of the litigation, multiple associates of the firm filed pleadings containing their own affidavits, of affidavits of others containing allegations they knew to be untrue OR, alternatively, were filed with a reckless disregard for the truth of the matters asserted. 

The firm filed a foreclosure action alleging I did not pay the XXXX, 2019 mortgage payment. What the firm did not tell the court was that they had express knowledge that I had tried to pay the mortgage in a timely manner, but that their client, XXXX, refused to talk to me about the mortgage and refused to take my money when I called to pay. When this firm filed a foreclosure action they knew -- shortly after my Answer was filed -- tht the lawsuit was not being maintained in good faith. They had an obligation to ensure that what I alleged in my defense - that XXXX would not accept my payments- was true. If the firm had, in fact, conducted a review of the evidence before or during the litigation, the firm would have possession of evidence ( in the form of the telephone recordings ) that they continued the litigation in bad faith. I do not believe it is a defense to claim they didn't know and simply bury their heads in the sand in order to avoid looking at evidence. 

For reasons unknown to me, the judge in the case refused to force XXXX to respond to discovery requests, thus allowing XXXX and Gross Polowy to keep secret that the whole case against me was a fraud from the start. The house was sold at foreclosure already, but it's important for this agency to know what this collection law firm was willing to do in order to " win '' for their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX have 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 an 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 or 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 data 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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XXXX - 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data 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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I accordance with the Fair Credit Reporting Act this collector has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ) section 6 0 4 a section 2 ( it also states a consume reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
Mohela is not counting several chunks of months under qualified PSLF employment. My loans should be forgiven, instead they are showing over 20 months left and have resumed payments. I have called several times showing the gaps and how they overlap with my verified employment. 
Also when you self certify on their website, it shows in bullets that all repayments plans count towards PSLF. They tell you on the phone that is not true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
Per 15 U.S. code 1681b XXXXXXXX XXXX XXXX  used and reported my credit without my signature and I would like it removed off my credit along with all the negative marks that came with it.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Per 15 U.S. code 1681b XXXXXXXX XXXX XXXX  used and reported my credit without my signature and I would like it removed off my credit along with all the negative marks that came with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
Per 15 U.S. code 1681b XXXX XXXX XXXX used and reported my credit without my signature and I would like it removed off my credit along with all the negative marks that came with it.

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 2024-02-19 00:00:00
Product: Credit reporting 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 and Transunion and the list of accounts provided in attachments, have violated my consumer rights to privacy and confidentiality under 15 USC 1681. I the consumer has not given authorization, to furnish any private information. 15 USC 1681 ( FCRA Section 602 ) states that I have a right to privacy. Furthermore, 15 USC 1681, section 604 A, subsection 2, explicitly states that a consumer reporting agency can not disclose an account without my explicit written instructions. Additionally, as per 15 USC 1681c. ( a ) ( 5 ), it is explicitly prohibited for any consumer reporting agency to include specific types of adverse information in a consumer report, particularly information predating the report by more than seven years, excluding records of crime convictions. In accordance with 15 USC 1681s-2 ( a ) ( 1 ), it is impermissible to provide any information to a consumer reporting agency if there is knowledge or reasonable cause to believe that the information is inaccurate. XXXX, XXXX and Transunion ( Credit Reporting Agencies ) Have allowed several inquiries sharing my private information. Submitted with this complaint are the communications to the Credit Reporting Agencies opting out of any authority that may have been given. I have also included the reports from all XXXX agencies with inaccuracies and unpermitted inquiries. I have called all XXXX agencies and disputed inaccuracies and to have private information removed. The result of these issues has made it difficult to provide happiness for my family due to denial of goods and services due to unfair consumer reporting.

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