vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NY

Complaint narrative:
Towards the end of XXXX I received a debt collection notification from discover with an amount which I believe to be inaccurate. I sent them XXXX separate validation requests and they just sent me statements. I believe this amountt to be inaccurate because they took tax benefits when they charged off the account and they received profits when they sold the securities on the back end. The didn't provide that accounting and have been reporting it to the credit bureaus. The have violated the FCRA and the FDCPA by not validating the debt and not providing accurate information. They also have yet to cease collections and delete the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.

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 2024-09-09 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: FL

Complaint narrative:
The person that stealing my identity opened a credit card with XXXX XXXX XXXX  from XXXX of XXXX. Noticed this since XXXX had approximate debt XXXX XXXX I have been disputing the information ever sinc ethen and the bank was very uncooperative and unprofessional. I disputed information with the credit bureau 2 times where investigations was done poorly, however this is my 3rd attempt at disputing the information with the bureau. Apparently the person thats stealing my identity lives in the state of XXXX  which i never lived there in my life.

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 2024-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My mortgage is serviced by Shellpoint Mortgage Servicing, account # XXXX After having reached an agreement in court months ago, we have been sending in payments reflecting the amount on our escrow statement dated XXXX of 2023. 
I have not received a monthly statement of mortgage, in spite having requested them. In fact, this was a condition of the court settlement. I believe it it also the law. 
By now my escrow shortfall should be taken care of and my payment therefore reduced, but I have no idea as to how my payments are being applied to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the
credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
Loan was taken out during/around quarantine period. I was having trouble with finances as expected and thought this would be an easy process to help. I had been making payments automatically on my debit card but shortly after, however I ended up losing my wallet. Tried reaching out to them to come to a resolution on how to lower payments and they were not able to accommodate. This loan became piled on to the list of bills/expenses i was dealing with due to all the interest which I was not expecting when I first applied for the loan. Time had gone by and I ended up moving due to financial issues. My car was repossessed by them eventually and it was an absolute nightmare even getting my car and getting set back up on a payment plan. I was lied to by staff on how to retrieve my vehicle after I had paid the fee to get it back. Unfortunately a staff member yelled and cursed at me over the phone and hung up in my face. I had to contact the tow yard myself after the loan store told me I had to wait until someone reached out me and days had gone by with me waiting. Once my car was retrieved there was minor damage. They have repossessed my car yet again after I have tried for months to reach either the store manager or corporate to rectify the situation. I gave a full report to corporate nothing ever happened. I am assuming they unbeknownst to me put a tracker on my car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
i recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all informatin with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2018, and XX/XX/2018 ). now i'm requesting you to investingate this account and update these payments to paid on time immediately. THANK you for understanding and prompt actions. Also the account has been closed to. i just want them to update that it was on time.

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 2024-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Nguyen Law Firm, PLC
State: VA

Complaint narrative:
I received a threatening letter from a law Firm named NYGUEN BALLATO threatening to seize my private property/ garnish my wages using a appellation of my name which denotes a deceased or fictional person that does not even match the name that was on the summons of the original creditor. I have no contract with this entity and they do not have permissible purpose to have my personal non-public information. This legal fiction is trying to use bully tactics to force me into a contract that does not exist. this complaint is being filed against this legal entity because they are claiming that I have a contract with them when I didn't even have one with the original creditor, with full disclosure was nit given to me and all things were signed without prejudice UCC1-308 making any contract null and void for failure to disclose all things in this alleged contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: MA

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
We have our home financed through PennyMac Financial Services, with our first payment on XX/XX/XXXX. Since then, we have always been on time with our payments. I also track out payments with an Amortization Schedule. It is through that tracking that I discovered starting with our XX/XX/XXXX payment, the interest started to be calculated incorrectly. Our fixed interest rate is 3.499 %. Before that payment, interest was calculated correctly. However, starting with that payment and since, our interest is consistently being calculated as 3.4995 % despite no changes in the terms of our mortgage. I sent multiple messages to PennyMac through their online system and have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I have requested information about this debt and asked for this company to remove it from my credit report as this is due to identity theft. 
This company is rude and condescending when I speak with them and refuse to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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 CREDIT : # XXXX, has violated my rights. 


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 2024-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I requested a debt validation on the account. they reported on my credit report as " consumer disputing ''. I want them to send me debt validation with my original signature. since they are claiming as the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I have received XXXX voicemails which states my owing balance and potentially being sued for my " small amount '' per the Office Manager. I have made payments twice a month to try and catch up. I have had some hardship come about recently and getting voicemails on being sued does not help my current situation. I received voicemails from a couple of people from the XXXX Alabama branch but only the Manager has left messages on dollar amount and the lawsuit. I have the voicemails that can be submitted to someone that is a supervising manager over my local branch.

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 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I opened this account in XXXX at {$1000.00}, went up to {$2000.00}, Ive made my minimum payments sometimes the full balance no chargebacks etc. I called Navy federal on XX/XX/XXXX because XXXX and navy federal credit monitoring systems said and account was reported closed on XX/XX/XXXX I checked it it was my cash rewards account. They stated it was closed and determined non renewal on XX/XX/XXXX. My question is why now and what caused for this physical credit card expiring has nothing to do with my account. And it was never stated I would be up for a redetermination for my credit card account nor was I notified about this via mail. The rep on the phone afforded to issue me out a letter on XX/XX/XXXX I declined because this was insane. My children are in this account to help build their credit this was totally wrong.Also they made my payment look late when it was due XX/XX/XXXX and I made a payment thats not showing online but I have proof in my email of the payment and its not past due

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My father passed on XXXX  XXXX, XXXX  in XXXX  at his rehabilitative home. On Friday, XX/XX/2024 I went to Bank of America in XXXX, XXXX  to try to close my fathers bank account as I had to open an estate account to settle any past claims on his estate. I was told because it was a guardianship account the lawyer would need to close the account. An appointment was made at the Bank of America located at XXXX XXXX XXXX XXXX  XXXX  location, where my fathers guardian opened his account. On XX/XX/2024 the guardian " XXXX '' and myself attended this appointment to close the account and for a check to be issued to his estate. The bank manager XXXX XXXX handled the appointment. She called XXXX XXXX to ask all of what was need to successfully close the account. All documentation to include the death certificate, my birth certificate, marriage license ( different last name ) and small estate probate administrator order stating I was now the administrator of his estate was given and provided. The account closure form was also presented from the guardian. I was told the check from the closed account would be mailed to my home address in 10 business days. I received a letter in the mail approximately 2 weeks after the appointment stating I had to provide documentation. The lawyer and I were in person and provided all requested documents. I called BOA to ask what additional documents were needed and was told by XXXX XXXX an order from a judge ending the guardianship. I explained the guardianship ended once my father was deceased and I have a court ordered estate administrator document. They still would not let me close the account or receive the funds to settle the estate. It has been 4 months since my father passed away. I wrote a complaint, none has contacted me to resolve the issue. The account case manager was extremely rude so I filed a complaint. I called the Bank of America where the lawyer and I went to close the account to speak with the bank manager who assisted in trying to close the account, I have called her twice and received no phone calls back. This is the most unprofessional dealing I have had regarding my father 's passing and it is devastating!!! I am distraught and having emotional distress as to how I am being treated. A Bank of America phone associate was called on XXXX XXXX and stated this document isn't typically requested : an order from a judge only the administrator of the estate. I want to close my father 's bank account, be issued the check from his account so I can settle his estate.

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