vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
I am writing to express my deep concern and file a formal complaint against Absolute Resolutions I, a debt collection agency, for actions that have had a severe and adverse impact on my consumer rights and credit standing. I believe this company has engaged in troubling practices that are in direct violation of federal consumer protection laws. 

My primary concerns are as follows : Lack of Written Disclosure : Absolute Resolutions I furnished information about an alleged debt to consumer reporting agencies without any prior written disclosure to me. I was never provided with a notice of the alleged debt, its origin, or any written communication prior to this information appearing on my consumer report. 

Failure to Validate the Debt : Despite my requests, Absolute Resolutions I has failed to provide any validation of the alleged debt, including the required documentation to substantiate its legitimacy. 

The impact of these actions on my financial well-being has been significant. This lack of written disclosure and failure to validate the debt has resulted in negative entries on my credit report, potentially harming my creditworthiness and limiting my financial opportunities. This situation is deeply concerning, as it not only affects my financial stability but also violates my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). 

I kindly request the Consumer Financial Protection Bureau 's immediate intervention to address this matter and ensure that Absolute Resolutions I complies with all relevant consumer protection laws. 

I believe that Absolute Resolutions I 's actions are in direct violation of the FDCPA and have had a detrimental impact on my credit report. These practices are not only unjust but also harmful to consumers like me who are working diligently to maintain their financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I was made aware that my loan servicer, Nationstar Mortgage, dba Mr. Cooper had been reversing the mortgage payments that they were servicing on my behalf. The payment at least 5 times in one business day. After inquiring as to the reason why, said mortgage servicer could not provide a plausible explanation as to why they were reversing the mortgage payments. Even though, I pay my mortgage payment 15 days in advance prior to its due date, the aforementioned loan servicer showed that my account was 2 payments past due, and because of such, I received a foreclosure notice from said lender indicating that my home would go into foreclosure if the payments were not made. In addition, I also noticed that the payment history and multiple reversals on the mortgage account did not match my bank statements. Therefore, it is for this reason that I am asking that the CFPB investigate the forementioned company Nationstar Mortgage, dba Mr. Cooper in order to determine if other customers are experiencing the same issues in which I have. In closing, it was only after my multiple phone inquiries and threat of a lawsuit that my payments somehow reappeared the following business day showing that the aforementioned payments had been applied and the account reflecting the correct due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A cellphone was fraudulently purchased with my Bank of America XXXX XXXX for {$940.00} from XXXX XXXX on Sat XX/XX/XXXX in the afternoon. It was picked up the following morning ( Sun ) around XXXX in XXXX XXXX CA XXXX ( I have email receipts from XXXX XXXX for all of this, since my email was tied to my CC number ) The phone was then taken to the XXXX, CA XXXX XXXX and exchanged for a laptop. The exchange happened on Sun evening around XXXX. I have the serial number of the fraudulently purchased laptop as well ( XXXX ) I noticed the activity later that week and called Bank of America. They did issue temporary funding back to my account but on XX/XX/XXXX, they closed the claim and recharged me the {$940.00}, citing a response from XXXX XXXX that the merchandise was shipped to me. They said I could see this letter at a Bank of America location, but the woman at the actual bank had no idea how to do this. 

The claim of shipment is an outright lie on XXXX XXXX part, nothing was shipped and I have the email chain to prove someone purchased online, picked up at XXXX and then exchanged in XXXX. I also called XXXX XXXX after I initially contacted Bank of America on XX/XX/19, they were not helpful at all and didn't even want the stolen laptop serial number. 

I reported this incident to the XXXX Police as well ( I am a XXXX resident, and the initial fraud took place in XXXX ). The incident number is XXXX, I spoke with XXXX XXXX. 

BofA also has all of the email, they were faxed to them on XX/XX/XXXX ( after they sided with 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 monetary relief
Consumer complaint received 2023-10-18 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: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XXXX I requested a credit increase on my apple card. I was declined and told it was due to high balances on the revolving credit and length of time accounts are established. So since I was planning on using that card on Monday I made the payment on Saturday for {$15000.00} ( I am attaching the copy of the Payment made ). Since Saturday I have called Goldman Sachs 3 times. They refuse to post the XXXX XXXX payment. They refuse to call my bank and see that the money was taken out of my bank by Monday. I have asked for a supervisor to call me back since Saturday no one has called back. In the pass I had The Goldman rep tell me that yes in the past my payments of {$9000.00} were posted immediately but now I need to wait XXXX XXXX for them to post my payment so I can use the card. I believe that they are prejudice to me. Also the paper work from Goldman Sacks said my XXXX XXXX score as of XX/XX/XXXX was XXXX I have my XXXX from todayXXXX which is XXXX. ( which was lowered due to the inquires ) I also have the XXXX credit report from XX/XX/14 which I printed when Goldman declined increase that I requested, shows my credit score at XXXX and that I have only used 5 % of my availabe credit. Currently I have paid the apple card in full but they will not post my payment so I can use my card. Also on XX/XX/14 I applied for XXXX revolving card and got {$35000.00} credit line so how can that be?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: MI

Complaint narrative:
Formally requesting for the XXXX pay for my account # XXXX, be removed. For some reason UpGrade does NOT allow its customers to manage the autopay online. 
I know they will say it's for security reasons but we all know it is not. 
Many times I like to make payments early for various reasons, but can not cancel the autopay. 
Therefore, I want to make sure there is proper documentation that I have made this request. 
Email Address for this account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On XX/XX/2023 I received in the mail a letter from Cavalry Portfolio Services , LLC ( Cavalry ) stating that I owed {$9200.00} to them. I responded with a a letter to Cavalry on XX/XX/2023 sent with certified mail inquiring as to why they think I owed the debt. I requested Cavalry provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the initial creditor, the chain-of-custody of the debt ( i.e. proof of Cavalry 's ownership of the debt ), and details about Cavalrys authority to collect the debt on behalf of the original creditor in my state ( Florida ). Cavalry mailed me back a document on XX/XX/2023 with information pertaining to the alleged debt to the original creditor ( the original credit card agreement and a recent credit card statement ). However, the letter did not provide information regarding the chain-of-custody of the debt ( i.e. proof of Cavalrys purchase of the debt from the original creditor ) nor verification of Cavalrys authority to collect the debt on behalf of the original creditor in the State of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: MD

Complaint narrative:
My daughter sent me {$10.00} from her Chime account. When I received the money the advertisement showed, Join Chime today and get an extra {$15.00} automatically added to your Chime Checking Account. I joined XXXX XX/XX/2023, but I never received the {$15.00}. I called a couple days later and spoke with a representative that said I would receive the funds the following week. I never received it. I called today and was given the complete runaround and was laughed at because I was inquiring about {$15.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent XXXX " CERTIFIED '' letters to all three credit reporting agencies ( Experian, XXXX, XXXX ) this year to please remove XXXX accounts off my credit reports. There are XXXX accounts from XXXX XXXX XXXX  and XXXX from XX/XX/XXXX 
I have asked all three credit agencies to verify the accounts and show proof from all three creditors that they can prove these are my accounts and no PROOF has been verified. 
I only get an updated credit report from every reporting agency stating, " account verified '' and absolutely no proof of verification from the three credit reporting agencies nor the three creditors. 
I have called in to the credit reporting agencies to ask for proof from the creditors and nothing is offered or verified. 
Please help me to remove these accounts off my credit report. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: DISCOVER BANK
State: FL

Complaint narrative:
In accordance with the fair credit reporting act Discover Bank has violated my rights by reporting a late payment on XX/XX/2022. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b, a creditor may not treat a payment on a credit card account under an open end account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX, I made a payment to Comenity Bank - XXXX Rewards Credit Card ( " Comenity '' ) using online bill pay from my personal checking account with XXXX XXXX XXXX XXXX ( " XXXX '' ). After receiving a late notice on XX/XX/XXXX, I immediately called Comenity Bank and was told to give additional time for the payment to be processed. I followed up on XX/XX/XXXX and a Comenity representative stated the check had not been received and that any payment made would be considered late, as a new billing cycle had already begun. The representative said if I paid now, I could request that my bank issue a stop payment on the check that was lost. I immediately paid the account in full on the phone with the representative who withdrew the late fees and interest charge. I also closed the account, as it was apparent I needed to mitigate my risks with this creditor who lost my payment. On XX/XX/XXXX, I received a statement in the amount of {$31.00} for a " returned check charge. '' Comenity found the check they lost and attempted to cash it. However, since a stop-pay was issued by XXXX, Comenity was unable to cash the check and charged me on XX/XX/XXXX, which is seven ( 7 ) days after I paid the account in full and closed the account- only because they lost my payment. I contacted Comenity on XX/XX/XXXX and spoke with two representatives, including a supervisor, and Comenity said they are pursuing the charge and will not credit the account. On XX/XX/XXXX, I was not told by the Comenity representative that if they found the check, they would charge me a returned check fee. Comenity 's attempt to collect a returned check fee from me is fraudulent and I should not be charged for this whatsoever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 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: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/XXXX  I payed the " Online '' payoff amount for my Direct Parent PLUS loan of {$16000.00}. 

Ed Financial received my online payment for the entire balance of the loan, but then charged me a {$310.00} " Rebate Reversal '' fee on XX/XX/. This is the fee I am questioning. 

Since the date of the " Rebate Reversal '' fee, I have talked to representatives of Ed Financial twice and asked them to justify the fee. The first time, on XX/XX/, they took my info and said someone would get back to me in ten days. The second time on XXXX, after again explaining that I was questioning the RR fee, I was put on hold for twenty minutes or more, then got disconnected. 

The " Rebate Reversal '' is still showing due on my balance, along with interest, at a current annual rate of 8.650 %. The Current Balance on my account as of today, XX/XX/2023, is {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc
State: MO

Complaint narrative:
I received four emails from Chime in the course of two days : welcoming me to Chime, a direct deposit form, something about a login occurring on my account, and today ( XX/XX/XXXX ), something about a debit card getting mailed to me. I did not apply for a Chime account, and I did not order a Chime debit card. 

I called today ( XX/XX/XXXX ) and the rep asked for the last 4 of my SSN and my birthdate. I said no, and can't he just look up my email address to see if it is being used by an account. He said he could not. He said to contact the support email address and ask them for help. I did that, and I got an automated reply, telling me to click a link to speak to an agent. I am not going to click any links, and never before has a support email directed me to clicking a link to speak to an agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: UT

Complaint narrative:
I have sent certified letters with tracking information to XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX requesting validation of the 'charge off ' that is listed on my credit reports for {$1900.00} regarding account # XXXX. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX. XXXXXXXX XXXX has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Additionally, XXXXXXXX XXXX  has also not provided a sentence on my credit report WITHIN XXXX CALENDAR DAYS from my first certified letter dated XX/XX/XXXX requesting that I am disputing the negative item in question

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: UT

Complaint narrative:
I have sent certified letters with tracking information to XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX requesting validation of the 'charge off ' that is listed on my credit reports for {$1900.00} regarding account # XXXX. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX. XXXX XXXX has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Additionally, XXXX XXXX has also not provided a sentence on my credit report WITHIN XXXX CALENDAR DAYS from my first certified letter dated XX/XX/XXXX requesting that I am disputing the negative item in question

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: UT

Complaint narrative:
I have sent certified letters with tracking information to XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX requesting validation of the 'charge off ' that is listed on my credit reports for {$1900.00} regarding account # XXXX. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX. XXXX XXXX has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Additionally, XXXXXXXX XXXX has also not provided a sentence on my credit report WITHIN XXXX CALENDAR DAYS from my first certified letter dated XX/XX/XXXX requesting that I am disputing the negative item in question

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I requested to cancel account on XXXX to avoid paying the annual fee that would be billed effective XXXX. I spoke to several customer service representatives. No one wanted to cancel my account. I received a letter in mail stating that if I canceled before XXXX I would not be charged. I also questioned what the {$12.00} per month charge that I was receiving every month. I want the account canceled and not to pay the {$49.00} annual fee. I was told by XXXX to call back later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation