vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Collection Agencys : Procollect Inc Date : XX/XX/2024 Charging Amount : {$1900.00} Dear Sir/ Madam : Im writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally please note that I do not wish to received further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to request. See 15 U.S.C 169 ( C ). 

Thank you for your 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 2024-09-08 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Starting on XX/XX/year>, I was fraudulently charged by a merchant named XXXX XXXX XXXX XXXX XXXX XXXX I initially purchased a software package for {$1.00}, but I was charged {$56.00} without my authorization. Following this, I was charged twice per month for varying amounts : {$19.00} and {$98.00}, on the same day each month. These unauthorized charges continued on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not agree to any of these recurring charges beyond the initial {$1.00} offer. I did not receive the " {$1.00} '' software package, and I was never charged {$1.00}. 

I have contacted the merchant multiple times via email and phone but have received no response. They provided my credit card company, Barclays, with fake documentation, including a fabricated Terms of Service and refund policy, which I can prove through screenshots showing the URLs provided by the merchant lead to 404 errors ( pages that dont exist ). Additionally, they have not provided any valid proof of authorization for these recurring charges. 

I filed disputes with Barclays three times, but they have sided with the merchant each time, despite the clear evidence of unauthorized charges and the fabricated documentation. I have also submitted complaints to the Wyoming Attorney General 's office about this merchant. 

I request that all these unauthorized charges be removed from my account and that Barclays conduct a thorough investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/year> my rent payment drafted {$1800.00} leaving me with XXXX XXXX XXXX XXXX XXXXXX/XX/year> they returned my rent payment of {$1800.00} leaving my account balance of {$1800.00}. This cost me money and accrued me {$120.00} in fees from my landlord. 

I called Bank of America and was told if I submitted an invoice they would look into reimbursing me, when I called again to submit said invoice, I was told I was misinformed and my account did have insufficient funds and they would not be reimbursing me. 

Bank of America is returning payment because theyre too scared to charge over draft fees since they were fined.

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 2024-09-08 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: VA

Complaint narrative:
XXXXXXXX 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 XXXX XXXX XXXX XXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXXXXXX XXXX  XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX  XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXThese discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies, like Experian, maintain accurate and verified information. According to 15 U.S. Code 1681b ( e ) ( 6 ), Experian is required to uphold a joint notification system with other consumer reporting agencies to ensure the consistency and accuracy of credit reports. However, the differences between my Experian report and those from other agencies suggest non-compliance with this requirement.</p> <p>The inaccuracies on my Experian report have significantly harmed my creditworthiness and financial health. Under the FCRA, I have the right to dispute inaccurate information and request its removal if it can not be substantiated. Should Experian fail to provide documented evidence authorizing the listing of the disputed items, I demand their immediate removal, irrespective of any E-Oscar report.</p> <p>Furthermore, despite multiple requests, Experian has failed to provide me with my consumer file, distinct from a consumer report, which contains securitized consumer data.</p> <p>I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify these violations promptly. Please confirm receipt of this complaint and keep me informed of any developments regarding its resolution.</p> 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 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A.
State: OH

Complaint narrative:
I never received anything about this matter. 
But I did look it up on court docket. Im being sued by Messerli & Kramer for the amount {$1100.00}. File date XXXX XXXX XXXX This is a debt collector for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Went to 5/3 bank to deposit my check from my taxes. The check was written in both my wife and XXXX name. My wife is not on my account so I called their branch to discuss this, they claim its no big deal tell her to come up with you and sign the check and show your license/proof of id etc etc. They claimed theres a possibility of a XXXX hold on the check, no big deal my wife and leave feeling good about everything. The next morning I wake up and decide to check my online account. To my surprise the check had already cleared and funds was available. I think great, off work, everythings good. By lunch time they decided to freeze my entire account, I call and bank XXXX tells me it was and error on the tellers part for not properly verifying my wifes id. So now XXXX days later and no word from the fraud department with my account completely froze I sit stuck with no means to money and XXXX little kids. All on account of an internal error, that only im paying for. XXXX days later and theyre telling me therere waiting to hear back from the payee for verification.. what??? Its a check from the United States XXXX XXXX Treasury!!! And you already deposited at XXXX point into my account, now you want to take it back and freeze all my finances. This is absurd, and their fraud department reads you the same thing over and over from a script and you get no answers about anything. Im looking into legal action if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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 168b permissible purposes of consumer reports. 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. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TX

Complaint narrative:
15 U.S. Code 1692c " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all Communication

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My brother died on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I purchased a XXXX ticket from XXXX XXXX XXXX XXXX  for XXXX. I believe trip to XXXX was through XXXX, but trip back to XXXX was through XXXX. 

On XX/XX/XXXX, I felt very, very sick. Early that morning, I took a XXXX home test and I tested XXXX. I started calling XXXX to ask about a refund- despite my XXXX XXXX XXXX XXXX they would not honor the refund. 

Next I called Capital One and I was assured that they would investigate. 

On XX/XX/XXXX, the date of the return flight, I started getting test messages from XXXX around XXXX XXXX about a delayed departure from XXXX XXXX XXXX XXXX. Every two hours, XXXX would send another update about another delayed flight. Finally at XXXXXXXX XXXX I received a text saying that the flight from XXXX to XXXX was cancelled. It had a link to a website to get reimbursement. 

That link never worked and I was never able to reach a XXXX agent on the the telephone. XXXX won't refund. XXXX won't refund and Capital One won't refund. 
Yes, I had XXXX and yes, I felt awful for two full weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: NJ

Complaint narrative:
I just reviewed my credit report again and found a number of accounts that do not belong to me. Besides the accounts I previously complained about, there are new accounts as well. I am being harassed daily and inaccurate personal information continues to be reported. My complaints have not been adequately addressed, and I urge you to correct this immediately, otherwise I will engage a lawyer since I am continuously denied housing as my credit score drops.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Complaint Against PHH Mortgage, XXXX, and XXXX XXXX XXXX  for Denial of Loan Modification Request Consumer : XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, FL XXXX Phone Number : XXXX Email : XXXX Complaint Details : I am writing to formally file a complaint against PHH Mortgage, XXXX, and XXXX XXXX XXXX  for the denial of my loan modification request. I have been experiencing severe financial hardship due to multiple hospitalizations stemming from ongoing health conditions. Despite providing all the necessary documentation and explaining my situation in detail, my request for a loan modification has been unfairly denied. 

Hardship Details : Medical Hardship : My financial difficulties are a direct result of numerous hospitalizations related to serious health conditions. These health challenges have significantly impacted my ability to maintain regular employment and, consequently, to meet my mortgage obligations. 

Income Support : Despite my current hardships, I have a clear plan to resolve my financial difficulties. My two daughters have committed to assisting me financially. Their income documents, which demonstrate their ability to contribute to the mortgage payments, have been submitted along with the modification request.

Unfair Denial : Despite providing all required documentation and outlining my situation, PHH Mortgage, XXXX, and XXXX XXXX XXXX  have denied my request without offering a clear or fair explanation. This denial has placed me in a precarious financial situation, with the looming threat of losing my home. 

Resolution Sought : I am requesting the CFPB 's intervention to ensure that my loan modification request is reconsidered fairly. Specifically, I am seeking : Reevaluation of Loan Modification Request : A thorough and fair reconsideration of my loan modification request, taking into account the provided documentation and the financial assistance from my daughters.

Clear Communication : A detailed explanation of the reasons behind the initial denial and a transparent process for reevaluating my application.

Immediate Relief : While my modification request is being reevaluated, I request that any foreclosure or related actions be paused to prevent further financial and emotional distress.

Thank you for your attention to this urgent matter. I look forward to your prompt assistance in resolving this issue.

Attachments : Income documents from both daughters.

Medical records ( if applicable ).

Correspondence related to the loan modification request. 
Signature : XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

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.

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 2024-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Indie Technology DBA Found
State: PA

Complaint narrative:
I am writing to formally express my profound dissatisfaction with the handling of my dispute claims, particularly concerning the XXXX transaction, {$1200.00} on XX/XX/XXXX by the Found dispute team, specifically XXXX. The lack of thorough investigation, dismissive responses, and refusal to provide transparency have led to an unjust denial of my claim and a complete erosion of my trust in Found 's ability to protect its customers. 

The dispute team 's insistence that an internal funds transfer indicates an intent to make an unrelated transaction is illogical and demonstrates a lack of understanding of basic financial practices. Despite providing clear evidence and explanations to the contrary, my concerns were repeatedly dismissed. The team 's refusal to provide any evidence or reasoning behind their decision further highlights their lack of transparency and accountability. 

The demand for evidence from XXXX, a company I have never interacted with, is unreasonable and places an unfair burden on the victim of a fraudulent transaction. It is the bank 's responsibility to conduct a thorough investigation, not the customer 's. 

I am appalled by the lack of professionalism and customer service exhibited by the Found dispute team. Their failure to adequately investigate my claim and their dismissive attitude towards my concerns have left me feeling helpless and violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
I am writing I was charged with an interest charge of XXXX for a late charge. The payment did miss on the day then was put in the same day. Per chat they would only credit me XXXX XXXX, there was an incident with goldman a year ago that they wouldnt let me pull money from my savings account and I think it was tied to this. I am asking that I be credited the XXXX on my account. 

Case number with Apple / Goldman Sachs is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: Kikoff Inc.
State: MA

Complaint narrative:
I am writing to formally dispute the accuracy of the recent report regarding my account with Kikoffs. Specifically, I am concerned with the assertion that my payment was late. This notice is issued in accordance with my rights under applicable laws and regulations, including the principles outlined in Kikoff v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which emphasize the importance of accurate record-keeping and dispute resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AE

Complaint narrative:
Subject : **Complaint Regarding Incorrect Collection on Credit Report** Dear CFPB, I am writing to formally dispute and file a complaint regarding an inaccurate collection entry that has been reported on my credit report by [ Fair Collection and out ]. This entry has negatively impacted my credit score, and I believe it to be erroneous for the following reasons : 1. **Dispute of Debt** : The alleged debt is either incorrect or non-existent.

2. **No Proper Notice** : I was not provided with proper notification of this debt before it was reported to the credit bureaus.

3. **Violation of Fair Credit Reporting Act ( FCRA ) ** : This entry appears to be in violation of the Fair Credit Reporting Act, which mandates that all information reported to credit bureaus must be accurate and complete. [ 15 U.S Code 1692 ( G ) ] ( 15 U.S. Code 1692 ( c ) I am requesting the CFPB to investigate this matter and take appropriate action to have this inaccurate collection removed from my credit report. This erroneous entry is unjustly damaging my creditworthiness and financial 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