vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I sent on XX/XX/XXXX a dispute. A verification of accounting. Company failed to respond or contact me about my dispute. I talk to an agent. Agent failed to acknowledge my claim just ask for a payment with out verification of my dispute. My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against BMW Finacial Services, for committing identity theft. I have never given BMW Financial Services, any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with BMW Financial services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving BMW Financial Services right to collect on this alleged debt. 
I have never received any documentation requesting validation from BMW Financial Services, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If BMW Financial Services, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until BMW Financial Services, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and BMW Financial Services, continues its collection efforts, I will file for litigation for actual damages caused and BMW Finacial services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: FL

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.

XXXX  XXXX XXXX Original creditor : Account number : XXXX XXXX XXXXhas violated my rights XXXX XXXX XXXXXXXX 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 602 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 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Commencing on or about XX/XX/2017, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via bank wire in the total amount of XXXX USD utilizing Bank Of America 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 2022-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
A couple of months ago I reached out to XXXX XXXX about a debt that wasnt mine. I disputed it and it was removed as the agency could not provide any info. Now XX/XX/22 the same debt popped up on my report again but with a different creditors name on it. I called them immediately and they said it would need to pay for them to see it. The name was XXXX on the account. I never got any info on who they were trying to collect a debt for or the amount. He refused until I paid to have my credit report pulled. I have NEVER ever had an agency ask for me to pay so I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
In XXXX I consolidated my loans in order to be eligible for XXXX. I was on track to accrue XXXX PSLF payments in XX/XX/XXXX. The Fedloans representative I called specifically told me that some of my loans were already direct loans and did not need to be consolidated in order to qualify for XXXX. The Fedloans paperwork and website made it difficult to see which loans were actually accruing XXXX payments, and it took me several years to realize that some of my loans were not accruing XXXX payments. I was devastated. Dealing with Fedloans was so awful and frustrating that it made me physically ill. In XXXX I was told by FedLoans on the phone and in writing that my only option was to consolidate those remaining loans and start over with XXXX. Because Im on an income-based plan when some of my loans accrue XXXX PSLF payments in XX/XX/XXXX, my monthly payment will still be based on my income and will not go down until the remaining loans accrue XXXX payments in XX/XX/XXXX. I was hopeful that the XXXX waiver would correct the situation. Fedloans has continued to be difficult to communicate with, slow to reply, and unresponsive when replies do come. I have been paying all of my loans on income-based plan since XXXX while working for PSLF-eligible government agencies. The payments I made between XXXX and when I was forced to consolidate again in XXXX should count so that all of my loans- all which I have been paying the whole time on income based plans while working for eligible employers - accrue XXXX payments at the same time. FedLoans has failed to be a decent and honest servicer, and I am now extremely worried that the XXXX waiver will also fail to correct the damage caused by FedLoans failure to provide accurate information and unfair practices. Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Commencing on or about XX/XX/2015, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via bank wire in the total amount of XXXX USD utilizing JP Morgan Chase XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
The original creditor - XXXX - is billing us for a service that hasnt been provided by them. The service was provided by another company named XXXX and already paid in full. My physician ordered a genetic test for me through XXXX on XX/XX/2021. Afterwards, I got a text message from XXXX that I may pay {$250.00} for the genetic test before XX/XX/XXXX if I do not want to use insurance ; otherwise, I will pay through insurance with an out-of-pocket estimate of {$1000.00}. I paid {$250.00} to XXXX on XX/XX/XXXX in order to avoid the out-of-pocket cost. Afterwards, we got several letters from XXXX billing us {$1100.00} for the same service that we already paid for to XXXX. When we contacted XXXX, they denied any relation to XXXX and affirmed that I have XXXX balance with them. Afterwards, I contacted XXXX to clarify that they offered no service to us and the genetic test had already been paid in full with XXXX. They denied that the test had been paid for and only offered to reduce the bill to {$490.00} if I participated in some questionnaire. 

Recently, a debt collection company has reported the fraudulent charge of {$490.00} to my credit account which affected my credit score negatively.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Commencing on or about XX/XX/2019, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via bank wire in the total amount of XXXX XXXX USD utilizing Wells Fargo services.

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
Consumer complaint received 2022-04-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Collection Account Account Number : 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: FL

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. 

XXXX XXXXXXXX XXXX Original creditor : Account number : XXXX XXXX XXXXhas violated my rights XXXX XXXX XXXXXXXX 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 602 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 2022-04-21 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: FL

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. 

XXXX  XXXX XXXX Original creditor : Account number : XXXX XXXX XXXXhas violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 2022-04-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX 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 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 2022-04-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Collection Account Account Number : 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 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 2022-04-21 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am reaching out because I am at a complete loss right now. I am attempting to get a mortgage and my credit reports show I have 9 missed payments to my student loans. When I investigated this further it shows I have 2 missed payments from XX/XX/XXXX and 7 missed payments from XX/XX/XXXX. I disputed this with the credit agencies and they came back and stated that they verified the information and they can not remove it. I then requested my student loan status history. For all 9 of the reported missed payments I was in economic hardship deferment. I was in deferment XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX until XX/XX/XXXX. The missed payments being reported fall within these times of deferment. I wrote a letter and attached supporting information to Aidvantage and they wrote a letter back stating that I am still responsible for the missed payment and they can not retract the negative mark from my credit. I have been so stressed out about this! It does not seem fair that while I was in economic hardship deferment they can " kick me while I'm down ''. I then called Aidvantage credit reporting line on XX/XX/XXXX right before I wrote this email and while the guy I spoke with understood and agreed with what I was saying the only advice he could offer me was to write a letter to Aidvantage. I explained that I did that already and he stated there was nothing he could do. 

I am hoping that you can help me get this resolved or point me in the right direction. I am a single mother and have XXXX  small kids and I really just want to provide a house, a place they can grow up, and I am being haunted by missed payments that should never have been reported in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company $ XXXX. 
This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 
I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.

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 2022-04-21 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: SC

Complaint narrative:
XX/XX/2022, Experian responded to complaint # XXXX. I disputed the addresses that was show on my credit report. Experian states that the addresses do not appear on my current Experian credit report. I have attached my XX/XX/2022 credit report that was mailed to me as proof. I am disputing both accounts that belong to these addresses. If these address are not on my credit report, why are theses account on my credit report. Child Support North Carolina address # XXXX and Child Support North Carolina address # XXXX showing on my Experian credit report. The Fair Credit Reporing Act states that all credit reporting agencies must report accurate information on a consumer credit report. Law 15 U.S code 1681.

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 2022-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
When I applied and received my loans I did not want to use a cosigner. I could not get the loans without one. At the time my loans were issued they assured me that after 6 months of on-time payments I could have my cosigner released. I have made on-time payments ( most of which are set on auto-pay ) for over 2 years. I completed the paperwork to have my cosigner released and was denied. Had I known they would have refused to release my cosigner as they said I would not have taken out the private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
My name is XXXX XXXX on XX/XX/XXXX my card was used at a atm to withdraw XXXX dollars twice I didnt notice because I had my card on me I just used at the store so I knew it couldnt be me. Then a couple weeks later someone used it on XXXX XXXX thats when I noticed one of my phones was missing out my car that had my accounts on it. So on Tuesday XX/XX/XXXX I open a dispute at XXXX and by XXXX Wednesday XX/XX/XXXX my dispute was closed with chime saying I made the charges so I called to try to reopen dispute but they said I have to wait 10 days to reopen dispute but I havent received the email yet and still havent received my money back from the charges werent mine.

Company response to consumer: Closed with explanation