vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
I am submitting this complaint against Source Receivable Management, a debt collection agency, for engaging in unfair and potentially unlawful practices. In XXXX, upon reviewing my credit report, I discovered an alleged debt in your records, which I promptly disputed by sending a validation request letter. 

Despite my attempts to verify the legitimacy of the debt, Source Receivable Management has failed to provide sufficient evidence. Furthermore, the company 's actions have raised concerns : Statute of Limitations : The debt in question appears to be beyond the statute of limitations in New York. 
Lack of Documentation : Despite my request, Source Receivable Management has refused to provide a copy of their bond, necessary for verifying their authorization to conduct business in New York. 
Harassing Communication : I have been subjected to numerous daily phone calls from burner numbers, with representatives exhibiting rude behavior and frequently hanging up when I attempt to engage in conversation. 
These practices not only violate the Fair Debt Collection Practices Act ( FDCPA ) but also cause significant distress. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigates this matter and takes appropriate action against Source Receivable Management to ensure compliance with consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent letters to each bureau on XX/XX/year>. I attached the FTC report as they requested. I have sent a follow up letter on XX/XX/XXXX and still no response with updates of fixing the inaccurate accounts on my credit. There was also no verifying information or how they investigated these accounts that are still reporting. The items that should have been investigated and eventually removed are : XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$860.00} XXXX XXXX XXXX with a balance of {$860.00} XXXX XXXX XXXX with a balance of {$97.00} XXXX XXXX XXXX with a balance of {$240.00} XXXX XXXX XXXX {$570.00} Also inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Before trying to open a business account, I went into a Wells Fargo bank to inquire about what was needed. I was told that all I needed was my LLC certificate and/or taxes filed. I bank with Wells Fargo and made an appointment online to open a business account. The first appointment I made ( XX/XX/24 ) I was contacted the next day to inform me that no one had the expertise at that location to assist me with opening a business account. So I made another appointment the same day for XXXX XXXX XXXX XXXX. I was contacted by phone by the Personal Banker, XXXX XXXX XXXX, who immediate told me that if I didnt have an EIN number that I could not open a business account. She kept insisting that I email her what I had so she could verify if I could open an account. I explained to her that I was at work and I needed to come into the bank so that I could fully understand because I was new at starting a business. I went online the same day and got an EIN number for my LLC. When I arrive for my appointment, XXXX XXXX XXXX stated that I was unable to open a business account due to my address. She sat for over 30 minutes doing and saying nothing to assist me. I stated that she just spoke to me and said all I needed was an EIN number. She told me that she didnt tell me that. I requested the EIN number just minutes after getting off the phone with her. It was clear that she did not want to help me and XXXX XXXX XXXX filed a complaint, without asking me, about me being misinformed on opening a business account. I told her that I felt unwelcome at my own bank and that I was filing a complaint because I have no trust in someone that lack professionalism and treats me with the lack of respect of my time, with my account and money in bank. I scheduled another appointment on XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: EQUIFAX, INC.
State: PA

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.

has violated my rights. Or a 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 explanation
Consumer complaint received 2024-03-08 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: PA

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.

has violated my rights. Or a 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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a Chase Freedom card about 2 years ago and transferred balances from another credit card. Although I realized that the interest would increase after the 24 month period I had *no idea* that it would *triple* my credit card payment ( from {$40.00} to {$110.00}, instead of the maximum of {$80.00} ) - Along with an 29 % interest charge they've slapped what looks like an additional 50 % balance transfer interest ; i.e. over a debt of about {$3300.00}, {$28.00} goes to service the interest charge, while {$53.00} services the balance transfer charge, which means that I will probably NEVER EVER EVER be able to pay it down. A total of {$75.00} a month interest! 

I called Chase about this on several occasions, tried to negotiate a payment plan but what they came up with wasn't much better - something like {$77.00} a month over a 5 or 6 year period. 

This is the equivalent of what used to be an XXXX  type mortgage... you pay a low fee initially and then it triples. Chase got sued over that during the mortgage crisis of XXXX and here they are doing it again with credit cards!! When I got the credit card I knew that I would have to pay interest over time but had NO IDEA that it would be anything like this. 

Like many people, I am careful with money but not infallible. Chase takes advantage of this - had I been told specifically that this would happen after 24 months I would have NEVER EVER agreed to the card. Chase refuses to budge or listen to me and and now I am stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe are both inaccurate and incomplete. The following accounts have been reported with information that is in violation of the Fair Credit Reporting Act : XXXX. XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX Upon reviewing my credit report, I have identified multiple instances where the information provided is incomplete and inaccurate. The discrepancies in reporting not only misrepresent my creditworthiness but also constitute a violation of the Fair Credit Reporting Act. I am formally requesting that these accounts be thoroughly investigated and, if found to be inaccurate or incomplete, be removed from my credit report immediately. 

I am aware of a specific case where Experian was sued for violating consumer rights, and I am prepared to escalate this dispute further if necessary. To ensure a fair and impartial investigation, I will be copying the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's office on this correspondence. 

Enclosed with this letter, please find supporting documentation highlighting the inaccuracies and incompleteness of the information reported. I kindly request that you treat this matter with the urgency it deserves and provide a written response within the 30-day timeframe mandated by the Fair Credit Reporting Act.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have outdated accounts affecting my credit score, and approval for housing and car loans. I also have inaccurate accounts affecting my score as well. These accounts make it difficult to gain credit.

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 2024-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
Back when Loan Servicers were allowed to refund loan payments back to students ( due to Biden 's loan forgiveness plan that fell through recently ) I had requested to refund {$8200.00} from ED Financial. About 1 year later I received a check of this amount in the mail. On my way to the bank to cash the check, it flew out of my window on the freeway. 

I then called to make them aware of this to get a new check issued. After many phone calls over many months I finally reached the right person and they were able to issue this request last XXXX in 2023. 

Since then, I have called around 7 times and every single time they tell me they have no idea what the timeline will look like. It has been over 4 months and they have done nothing for me or given me ANY additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My XXXX XXXX Citi XXXX XXXX XXXX issued by Citibank has been charged on XX/XX/year> the amount of XXXX for a transaction in XXXX XXXX that we do not recognize. 
Immediately upon noticing on my XXXX  account XXXX that an unrecognized XXXX  was showing as XXXX, I called XXXX  XXXX  at Citicard claiming that such a XXXX  was not made and or authorized by us. They transferred me to the XXXX department and the card was XXXX  right away and the issuance of a XXXX  XXXX  card was requested to be XXXX  to my XXXX in the XXXX. 
The XXXX  department resolved the case into the XXXX  favor only after XXXX  XXXX  of apparently a XXXX  and XXXX investigation claiming that the card was used in person at the XXXX that we have no idea about it. 
We asked XXXX  times for proof of XXXX such as XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  activity. Nothing has been XXXX  and XXXX. I have been a customer of Citibank and Citicards for XXXX  years with XXXX records and It is not only disappointing but totally XXXX  their XXXX and XXXX. I tried XXXX XXXX  times to XXXX  and XXXX to them to reasonably explain and express my XXXX. This is a very XXXX  XXXX  process that I'am not willing to face any longer nor pay for bills that I have not authorized.No-one XXXX no-one XXXX. This XXXX is not due to be paid and I wish to not XXXX  my XXXX XXXX  history due to an unacceptable XXXX  coming from a XXXX  XXXX. 
I'am requesting your help in solving this issue if possible.

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 2024-03-08 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: EQUIFAX, INC.
State: GA

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 XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 2024-03-08 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: GA

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 XXXX Account XXXX Account Name XXXX XXXX XXXX  Account XXXX has violated my rights. Or a 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 2024-03-08 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: FL

Complaint narrative:
On or about the dates of XX/XX/XXXX and XX/XX/XXXX, I have submitted a formal correspondence to your agency concerning a discrepancy found in my credit report. Specifically, I requested the removal of the incorrect entry associated with my accounts labeled below. In response, you asserted the verification of these accounts. Pursuant to the tax principles laid down by the Internal Revenue Service, a charge is deemed to constitute income. It has come to my attention that no Form 1099-C, or Cancellation of Debt, has been furnished by the aforementioned creditor, despite the apparent discharge or forgiveness of debt which should have been reported. Furthermore, it is imperative to acknowledge the legislative mandate set forth by Congress stipulating that personal income is not to be reflected in consumer credit reports. Specifically, under Title 15 of the United States Code, Section 1681a ( 2 ) ( a ) ( i ), it is proscribed that no consumer credit report shall include information related to transactions or experiences that would equate to the reporting of income. Remove these account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Consumer Financial Protection Bureau Subject : Complaint Regarding Collection of Discharged Debt by XXXX XXXX sold to TSI To Whom It May Concern, I am writing to file a formal complaint against TSI and XXXX XXXX regarding their unethical collection practices related to a discharged debt. I received an IRS Form 1099C Cancellation of Debt copy B from the Corporate office of XXXX XXXX, indicating that the debt in question had been discharged. I have attached a Copy B of the form for your reference, with sensitive account information redacted.

Despite the issuance of the 1099C form, I discovered that XXXX XXXX continued to show the discharged amount as owing, along with accruing interest on the account. Numerous attempts to resolve this matter directly with XXXX XXXX have proven futile. Upon contacting their customer service, I was repeatedly redirected to their XXXX XXXX XXXX team based in XXXX, where I encountered a supervisor denying the existence of a 1099C form and engaging in unprofessional behavior. 

Subsequently, I reached out to the Corporate Secretary XXXX XXXX, who advised me to contact the Chairman XXXX XXXX XXXX. Despite my efforts to escalate the issue and seek resolution, I received no response from the Chairman. Additionally, attempts to address this issue with the Comptroller and the Federal Reserve have yielded no satisfactory outcome. 

Most concerning is the recent revelation that XXXX XXXX has sold the discharged debt to Transworld Systems Inc ( TSI ). This action is not only unethical but also violates established legal and financial practices. It is unacceptable for a debt that has been declared discharged to be sold to a collections agency. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against XXXX XXXX for their egregious conduct. I seek resolution and restitution for the undue stress and financial burden caused by their unlawful collection efforts. 

Thank you for your attention to this matter. I look forward to a swift and favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: PA

Complaint narrative:
Trying to reach out to company but doesn't have a phone number that displays on website. When entering login information I get a bad URL which doesn't give you a number to call the company. Can't access personal info to make payments or to see status of loan. Payment was taken from checking account 2 weeks ago but just checked my credit report and they have account as a charge off or closed! I have no way of contact to even discuss what that is from or if was mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
A review of my HELOC does not contain anything that said it was a interest only loan. The original loan was for {$65000.00} and 18 years and {$97000.00} later I still owe {$63000.00}.

I continued to use extra money over the years but the loan should be much lower by now. I think Wachovia Bank, used Predatory Lending Practices because I don't see it spelled out that the loan was interest only.

I'm checking to see if I am due any money from any lawsuit of Wachovia Bank or Wells Fargo or if I have any recourse?

Please advise.

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