vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: OH

Complaint narrative:
I sent them a debt Validation letter in the mail and didn't get a response, so i sent another letter, this time I sent certified mail, and I have proof that it got delivered. This is what i am asking for in my debt validation letter. 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 2. Proof of Ownership : I request proof that your agency has the legal authority to collect the debt, including a copy of the assignment or purchase agreement from the original creditor. 3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 4. Copy of the agreement : Kindy provide a copy of the signed contract or agreement, that demonstrates my obligation to pay this debt. 5.

Documentation of your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant State and Federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: CT

Complaint narrative:
After years of reaching out to resolve issues related to this account, they chose to bypass my concerns and go straight to collections agency to attempt to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My husband went to XXXX XXXX XXXX XXXX on XX/XX/2024 and they ran my credit without my authorization nor knowledge. My husband did not even know they tried to run my credit for the {$1300.00} they were charging him for service. All they did was set him up with a payment plan that was not credit based. I received a letter from XXXX XXXX XXXX  stating that the XXXX XXXX XXXX XXXX was not approved because they could not verify the social security number or alternate identification. The letter did not offer any contact information from the lender and the only number listed was the Equifax number. When I called XXXX XXXX XXXX XXXX, they told me that the reason they ran my credit was because I was the insurance policy holder and they never called me nor informed me for any authorization. They ran this without knowing my SSN or any identifiable information other than my name and address. I saw through my credit report that they did a hard inquiry for something that I never would have willingly authorized and lowered my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: The J. G. Wentworth Company
State: NY

Complaint narrative:
JG Wentworth took me as a client. They made it seem like they were going to help me with my debt. All they actually did was let my debt grow much higher, then set up a payment plan and chsrge me " fees '' which amount to what i owed anyway. 

I had an account with XXXX XXXX which they started to make payments on... 

In the process with JG Wentworth i asked to have my payments switched to bi-weekly and taken directly form my checking account after each payday. 
When they did so it caused them to miss a payment to XXXX, and XXXX ended the agreement with them. 

I started getting emails from XXXX XXXX  saying i owed them for monthly payments and i was deliquent. I called Jg Wentworh several times and e-mailed several times and got no response. I then called XXXX and got a settlement offer myself. 

When i called Jgwentworth to tell them to take XXXX off my account, they told me i was still responsible for almost XXXX XXXX in " fees '' even if its removed. 

They are dishonest, and prey on people in a tough situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: AppFolio, Inc.
State: VA

Complaint narrative:
AppFolio requires consent to their terms and conditions in order to use their payment services ( which are required by our property management company ). Please note that this service is just to recieve our rental funds from the company. This is the concerning paragraph from their terms and conditions : " You further direct and authorize us to obtain from any law enforcement agency, present or past employer or supervisor, landlord ( as allowed by law ), finance bureau/office , credit bureau , collection agency , college, university or other institute of learning or certification, private business, military branch or the national personnel records center , personal reference and/or other persons, and authorize these entities to give records or information that they may have concerning your status as a registered XXXX XXXX  ( as allowed by law ), criminal history ( as allowed by law ), motor vehicle/driving history, earnings history, credit history, character, general reputation, personal characteristics, mode of living, employment records, record of attendance and earned degrees or certificates, or any other information requested, whether the said records are private or public, and including those which may be deemed to be privileged or confidential in nature. Preparation of all consumer reports and investigative consumer reports will follow applicable federal, state, and local laws and regulations. '' Is this legal? Seems like it permits them to collect any data they want. How many consumers are really reading this before signing just so they can pay/collect rent?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

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 non-monetary relief
Consumer complaint received 2024-04-11 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: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
On XXXX XXXX I fax all my paperwork to the company in question. Advising them I'm trying to give them the opportunity to handle this matter between the two of us. They began to tell me their terms and conditions supersede the USC 15 1666 C. Prompt and fair crediting of payment. They also mailed a vague ambiguous letter which I received on XXXX XXXX requesting me to make line with them if I have any questions. 
This company should also update it inquiry contact information because it is false and misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I opened a claim on XX/XX/2024 for fraudulent charges on my debit card that I discovered from the same company for about {$6000.00}. On XX/XX/XXXX, they closed out my claim and I called them up and they didn't give me a reason why it was closed. They just said they can't do anything about it or reverse it.

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 2024-04-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX account from XXXX XXXX XXXX with account number of XXXX has violated my rights. 

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 convi
ctions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Upon the request written by your branch addressed XXXX XXXX XXXX, XXXX XXXX, TX XXXX, I write the following answers. 
Credit Card : deleted Banking accounts : deleted I enclose the copy of the documents regarding my accounts, including a joint account, which show suspicious movements. 
I have not received any report from your company regarding these accounts. 
I do not have any copies of payment regarding this file. 
Due to the sensitive file, I would like to send it to the headquarters of the Bank of America addressed above. 

Sincerely,

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 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I initiated a wire transfer to a travel service in XXXX for a tour booking. The transfer was initiated on XX/XX/year> from Bank of America and the receipt is XXXX XXXX XXXX. The amount involved is {$1900.00}. The money was taken from my account on the same day but it did not reach the recipient. I called Bank of America and opened a Trace/Recall ticket # XXXX on XX/XX/year>. There has been no progress on this and the money has not being refunded back to my account. Can you please help resolve this issue? 

Here are the transaction details : Posting dateXXXXXXXX XXXX XXXX  Description WIRE TYPE : FX OUT XXXX XXXX ET TRN : XXXX FX : XXXX XXXXXXXX XXXX XXXX : XXXX TOURS AND SAFARIS ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX tour booking XXXX XXXX XXXX XXXX XXXXXXXX Recipient : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bank Code : XXXX Branch Code : XXXX XXXX XXXX : XXXX Sender : XXXX XXXX XXXX Bank of America. Account # XXXX. 

Thank you 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 2024-04-11 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: NV

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX late payment ) XXXX XXXXXXXX XXXX XXXX # XXXX ( charge off ) -- {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of 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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with 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 non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
I sent them a debt Validation letter in the mail and didn't get a response, so i sent another letter, this time I sent certified mail, and I have proof that it got delivered. This is what i am asking for in my debt validation letter. 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 2. Proof of Ownership : I request proof that your agency has the legal authority to collect the debt, including a copy of the assignment or purchase agreement from the original creditor. 3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 4. Copy of the agreement : Kindy provide a copy of the signed contract or agreement, that demonstrates my obligation to pay this debt. 5. Documentation of your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant State and Federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: IL

Complaint narrative:
I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM A VITIM OF ID THEFT, I DID NOT MAKE OR AUTHORIZE THIS ACCOUNT. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: FL

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM A VITIM OF ID THEFT, I DID NOT MAKE OR AUTHORIZE THIS ACCOUNT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems is sharing my nonpublic information with non affiliated third parties XXXX, XXXX AND XXXX. Jefferson Capital Systems does not have my consent to have or share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. they are in violation of multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.

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