vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: NY

Complaint narrative:
I am writing to inform you that I am a victim of identity theft as a result of a recent data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete all fraudulent accounts listed below from my credit report. 
The following accounts were fraudulently opened in my name and must be removed : XXXX XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX. XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$110.00} XXXX. XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$970.00} XXXX. XXXX XXXXXXXX Account Number : XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$640.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
I inherited my mothers house in XX/XX/XXXX. I lost my job in XX/XX/XXXX and fell behind in the payments. I immediately contacted NewREZ/Shellpoint to try and get a deferment. They had me apply for a modification in XXXX of XXXX after they filed for foreclosure. From XXXX to XXXX I kept emailing my contact person, she kept stating I had to sent updated utility bills and social security card. Then the application was denied with notice, they set a sale date for XX/XX/XXXX, until I filed a complaint with your agency. Now I owe XXXX and they say I can not defer any payments but to apply again for a modification. They currently have another sale date for XX/XX/XXXX. I have sent them the documents they need, asked for a response to let me know documents were received, This company has no intention of helping me. My mother has had this house for 22 years, I will NOT lose it. I have reached out to the State of Delaware  for help, and have talked to a lawyer about bankruptcy. Something needs to be done about these back alley companies who buy loans from bigger companies and add fees and interest without trying to help, but want to sell your home for profit. Please find attached last emails from XXXX and current new emails from XXXX where I was told to reapply.

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 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST USCB Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Dear USCB Corporation I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

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 2024-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I attempted to schedule a transfer from my checking account to pay my credit card bill. Knowing I would receive a paycheck on XX/XX/XXXX, I scheduled the transfer for XX/XX/XXXX. I performed this transaction on XX/XX/XXXX, which is a holiday. The transfer was processed immediately instead of on the date requested, causing my account to overdraw over {$300.00}. I had planned to make a cash purchase of roughly that amount the same day or the next day. I spoke with multiple representatives and reported the error as it has happened once before. 

I asked to cancel the transfer ; I was informed multiple times this was impossible. I then asked for a cash advance so I could move the money from my credit card back into my checking account without the fee. When I was refused this, I asked for a receipt that I had initiated the transfer for XX/XX/XXXX. I was not provided this. I later asked a second time and was ignored again. I was told repeatedly that my credit card was set up as overdraft protection, to which I responded that I needed to pull money out of an ATM on XX/XX/XXXX and overdraft protection would not help me with that. 

I have been left with a {$0.00} balance for the week, through no fault of my own, and the bank has taken no action to correct this.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts opened at XXXX XXXX account numberXXXX opened XX/XX/XXXX, a account at XXXX XXXX acct number XXXX opened XX/XX/XXXX, a account at XXXX XXXX  acct XXXX opened XX/XX/XXXX, a XXXX XXXX acct number XXXX opened XX/XX/XXXX, a XXXX acct number XXXX opened XX/XX/XXXX. I also notice the addresses and Names on the account also invalid and not recognized. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a Capital One account reported on my XXXX that is not reported on any other Bureau and Capital One has no information on this account as well. XXXX refuses to provide the full account number. 

I requested it to be investigated, they responsed each time that the account was verified. 

That's not possible. It is the only account with Adverse Information in the credit report attached. CAPITAL ONE XXXX Capital One has no record of these late payments account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Deinde Online Services, LLC
State: WI

Complaint narrative:
This organization identified themselves as an office trying to collect a debt for Integra Credit. They stated I had a XXXX balance with Integra. I asked for documentation, they stated a letter of intent was sent from Integra and now the matter is in their office for proceedings. They asked me to verify my social security and I did not. I asked for documentation and they disconnected the call. They have repeatedly called me and left messages about coming to my home and have also called my parents and ex husband leaving this message : XXXX, my name is XXXX XXXX and I'm contacting you in reference to your complaint that's been submitted to my office XXXX. We have some questions regarding yourself as well as the property on XXXX XXXX XXXX to address these concerns and discuss the pending action being filed against you will need you to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX referencing your case number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to contact her firm before the close of business today will leave us no choice, but to assume noncompliance on your behalf, and we will be making a decision without your consent please be advised at this calls being logged in submitted as proof. Said you, XXXX XXXX has been notified of the pending action being filed against you I have called them and requested they stop calling me and my family and asked for documentation. When calling today they did not state what organization they were with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: IA

Complaint narrative:
My background check came up with license suspension. It has never been suspended. No cop has ever mentioned that. I was in the DMV about a month ago to renew my license and they did not mention anything. I checked the Iowa DMV site and it also says everything is valid. The background check they sent me is password protected so I can not see the specific date or anything at all. The employer just told me a suspension came up. That is totally and completely false. The background check was done by Checkr and the company is XXXX XXXX. I was denied a job because of this. I am worried I will not be able to get a job because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: WA

Complaint narrative:
I am writing to file a complaint against Aldous & Associates regarding an outstanding debt they claim I owe, which I previously disputed. After my dispute with XXXX, this debt was removed from my credit report. I subsequently checked my credit reports through XXXX, XXXX, XXXX, and XXXX XXXX, and none of these reports show any outstanding collection accounts or debts owed to Aldous & Associates.

Despite this, I contacted Aldous & Associates directly to confirm the status, and I was informed by a representative that the debt is still owed. The representative insisted that the account is still open, and that I need to pay the disputed amount. This action raises concerns, as the account was removed from all my credit reports, suggesting that the dispute was resolved in my favor.

I am concerned about the legitimacy of their practices and believe an investigation is warranted. I request that the CFPB review this matter to ensure Aldous & Associates compliance with the Fair Debt Collection Practices Act and other relevant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My XXXX XXXX loans were sold to Navient ( XXXX # XXXX, and XXXX ) where I was misinformed about the terms of my loans being in deferment and forbearance while attending XXXX XXXX. The school lost accreditation and XXXX sold the school. I have been given no assistance in how to attain student loan forgiveness and my loan has been sold to Advantage with no consideration of the forgiveness or accurate calculations based on Navient 's bad practices and fee 's. 

I am formally requesting that my loans be reviewed and XXXX, based on the Navient claims regarding the fee 's of forbearance/deferment and interest incurred during my education process. I was misled about income based repayment plans being offered. I am still unable obtain employment until I pass the license exam ( EPPP ) in the State of California. I am unable to payback these loans as I am unable to acquire gainful employment without a license. 

I was charged late fee 's and accrued interest on these loans which have been sold to another servicer. This continual manipulation and misinformation has cause a debt which I could not make payment towards in order to receive debt forgiveness. These loans are over XXXX XXXX XXXX. Navient 's practices and conduct has caused me significant financial hardship, mental distress and anguish. I am asking for a full discharge of my loans based on the fraudulent practices of Navient 's behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a victim of Identity Theft. I did not authorize this company to pull my credit report. This a a fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a victim of Identity Theft. I did not authorize this company to pull my credit report. This a a fraudulent inquiry.

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 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
On Monday at XXXXXXXX XXXX I received a call from Receivables Management Partners LLC stating the call was from a debt collector and any information obtained will be used for that purpose and instructing me to call them at XXXX. On XXXX I put this company on notice to Cease and desist ANY and ALL communications with me through ANY and ALL mediums, 15 U.S. Code 1692g. This is a clear violation of the FDCPA and is causing mental anguish. I previously requested this company to provide the following information to validate the debt : 1. The original creditor 's name and contact information. 2. A copy of the original signed contract or agreement related to the debt. 3. Verification of the amount of the debt and how it was calculated. 4. Proof that you are licensed to collect debts in my state. the company responded with the following statement, " Dear Mr. Cook, Thank you for your letter to the Consumer Financial Protection Bureau ( CFPB ) and for providing us with an opportunity to respond. We were unable to locate a file based on the information you provided. Please provide additional information, such as the phone number we were calling and the phone number we were calling from, which may help us locate the file and assist with your request. Should you need further assistance, please contact our XXXX XXXX XXXX at XXXX. Sincerely, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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 checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Received a call from someone pretending to be from my credit card company stating that someone in XXXX  was trying to open an account under my name and social security number. I stated that I did not authorize this. The person then stated that he was going to connect me to a representative from the CFPB who then got on the line and had all of my personal banking and credit card information. I did not give either of these people my credit card number or social security number. The supposed rep from the CFPB stated that the bank is fraudulently charging me higher interest than is allowed under the current laws and that the lawyers from the CFPB would negotiate the loan amount so that I would only owe half the amount of the loan. He stated that I would receive email notifications each time I made a credit card purchase. At this point I ended the call. The supposed caller said his name is XXXX XXXX at XXXX and that he is a senior XXXX XXXX at CFPB. I dont believe a word he said but Im very concerned because he was reading off all my credit card balances and loan balance. I contacted the credit card company and they had no requests for credit that were either approved or denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear Credit Bureau, I am writing to bring to your attention an issue with my credit report. Upon reviewing it, I have noticed that there is an inaccurate address being reported by your agency. As a responsible consumer, I want to ensure that all the information on my credit report is accurate and up-to-date. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to maintain accurate and fair information about individuals. Therefore, I kindly request for the incorrect address to be promptly removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to your quick resolution of this issue. Thank you for your understanding and cooperation.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear Credit Bureau, I am writing to bring to your attention an issue with my credit report. Upon reviewing it, I have noticed that there is an inaccurate address being reported by your agency. As a responsible consumer, I want to ensure that all the information on my credit report is accurate and up-to-date. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to maintain accurate and fair information about individuals. Therefore, I kindly request for the incorrect address to be promptly removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to your quick resolution of this issue. Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: LA

Complaint narrative:
Around XX/XX/year>, my personal computer was hacked, I recently decided to pull my credit reports and noticed some one opened several new credit accounts using my name, social security, or other identifying information. I have no idea who may of used my personal information or how this information was obtained. I have disputed several and was successful in getting some of them removed. They reinserted the accounts without any notification. I have provided them a copy of the police report and FTC complaint.

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