vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am writing to formally dispute a collection account that has been inaccurately reported on my consumer report. It has come to my attention that this collection account has been placed on my report without adherence to consumer protection laws and regulations.

As per 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide validation information upon request. However, despite multiple attempts to obtain this information, the collection agency has failed to comply. This failure to provide validation information calls into question the accuracy and legitimacy of the reported collection account.

Furthermore, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of due process denies me the fundamental right to challenge the accuracy of the information being reported about me.

In addition to these violations, it has also come to my attention that the collection agency may be engaging in deceptive practices, which is prohibited by 12 CFR 1006.34 ( d ). Such actions undermine the integrity of the credit reporting system and violate consumer rights.

Upon reviewing the circumstances surrounding this collection account, I have reason to believe that the collection agency may have acquired this debt unlawfully. Therefore, I kindly request that the Consumer Financial Protection Bureau facilitate the retrieval of the purchase agreement between the collection agency and the original creditor. 

Obtaining a copy of the purchase agreement is crucial for evaluating the validity and legality of the collection agency 's claims. This documentation will shed light on the nature of their agreement with the original creditor and ensure transparency in this matter. 

Additionally, I request that the Consumer Financial Protection Bureau verify whether the collection agency is licensed and bonded. It is essential to ensure that the collection agency is operating within the bounds of the law and meets the necessary regulatory requirements, as stipulated by 15 USC 1681-S2 ( 7 ) ( A ).

I urge the Consumer Financial Protection Bureau to promptly request the purchase agreement from the collection agency and provide me with a copy for my review. Furthermore, I request verification of the collection agency 's licensing and bonding status to ensure compliance with regulatory standards. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure consumer rights are upheld and that proper procedures are followed in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX, I'm trying to refinance my home through XXXX XXXX to get equity from our home XXXX XXXX did a credit check with my permission. Mr. Cooper who is my mortgage company, charged my account {$25.00} dollars for what is called an expd quote Delivery fee. Mr. cooper had no dealings with my credit check. My account with Mr. cooper is XXXX The statement date is XX/XX/2024 they have no right to charge money for something they did not do. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted an application for the business XXXX XXXX card and was subsequently approved. 

After receiving the card, I attempted to sign up for online access to the account through Capital Ones website but was not successful.

When I called Capital One, I was told that the Social Security Number associated with the account was not correct. Given the error, I assumed I inputted the Social Security

Number incorrectly. However, when I looked on my credit report, a hard inquiry wa
s made which suggests that I inputted my Social Security Number correctly and somehow/someway it was altered or changed on Capital Ones side.

Since it is not an easy process to fix Capital Ones error, I decided to cancel the card without ever using. 

Given the nature of error occurring on their end, I asked them to remove the inquiry but are refusing to remove the hard inquiries despite the mistake that they have clearly made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: VA

Complaint narrative:
I am writing to formally dispute a collection account that has been inaccurately reported on my consumer report. It has come to my attention that this collection account has been placed on my report without adherence to consumer protection laws and regulations. 

As per 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide validation information upon request. However, despite multiple attempts to obtain this information, the collection agency has failed to comply. This failure to provide validation information calls into question the accuracy and legitimacy of the reported collection account.

Furthermore, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of due process denies me the fundamental right to challenge the accuracy of the information being reported about me.

In addition to these violations, it has also come to my attention that the collection agency may be engaging in deceptive practices, which is prohibited by 12 CFR 1006.34 ( d ). Such actions undermine the integrity of the credit reporting system and violate consumer rights.

Upon reviewing the circumstances surrounding this collection account, I have reason to believe that the collection agency may have acquired this debt unlawfully. Therefore, I kindly request that the Consumer Financial Protection Bureau facilitate the retrieval of the purchase agreement between the collection agency and the original creditor.

Obtaining a copy of the purchase agreement is crucial for evaluating the validity and legality of the collection agency 's claims. This documentation will shed light on the nature of their agreement with the original creditor and ensure transparency in this matter.

Additionally, I request that the Consumer Financial Protection Bureau verify whether the collection agency is licensed and bonded. It is essential to ensure that the collection agency is operating within the bounds of the law and meets the necessary regulatory requirements, as stipulated by 15 USC 1681-S2 ( 7 ) ( A ).

I urge the Consumer Financial Protection Bureau to promptly request the purchase agreement from the collection agency and provide me with a copy for my review. Furthermore, I request verification of the collection agency 's licensing and bonding status to ensure compliance with regulatory standards.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure consumer rights are upheld and that proper procedures are followed in resolving this dispute.

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 2024-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I received paper in mail stating I own something I know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: FL

Complaint narrative:
XXXX i dispute the amount due of {$75000.00} XXXX in your mailing dated XX/XX/year> you do not identify what the monthly mortgage payment is XXXX i am requesting a pay off figure and XXXX i request an application for a loan modifiction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Customer Service, I am writing to express my dissatisfaction with the handling of a recent dispute by Chase Bank. On [ date ], I contacted Chase Banks customer service department via telephone to report an unauthorized charge of {$11.00} on my account. Despite providing all necessary information and details regarding the transaction, the issue remains unresolved. 

I have patiently awaited a resolution, expecting Chase Bank to investigate the matter thoroughly and provide me with a prompt and satisfactory outcome. However, to my dismay, no action has been taken to rectify this situation. 

As a loyal customer of Chase Bank, I am disappointed by the lack of attention and urgency given to my case. I trust that Chase Bank takes customer disputes seriously and is committed to ensuring the security and satisfaction of its customers. 

I kindly request that Chase Bank promptly investigate this matter and take appropriate action to credit the disputed amount of {$11.00} back to my account. Additionally, I urge Chase Bank to review its dispute resolution process to prevent similar instances from occurring in the future. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX XX/XX/year> after diligent research on extraneous debt, XXXX. 's and Debt Relief I encountered Helpsishere.org ; in XXXX, Oregon, a 501.C.3 Non-Profit that specializes in discharging unsecured debt if One depends upon federal income. I subsequently signed an agreement with Helps and Attorney XXXX XXXX. Helps has sent out on my behalf official letters advising the XXXX Cards I surrendered that my Income is off- limits, ie they can not collect a dime as per Fed Regulation. They would have had these letters in the middle of XXXX past. XXXX Months later the entrys on my XXXX credit bureaus would indicate that I still had possession and was still paying which is incorrect. 
When the Helps attorney advised me that I could stop paying I did that. Since I have not had the cards since directly after my last payment, and had a good record of payments, they are using this as some financial tool for their own bottom line. IF My XXXX XXXX had truly been looked at those cards would not have been offered. My spending was almost solely for XXXX and to survive in an economy which Democrats have ruined ; with Inflation which is out of control. Every month I paid ontime and would always run out of food the middle of the month, this discharging it was beneficial for me and would have been less if XXXX companies had stopped debt out of my control in late 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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I just looked at my reporting and I saw that I have a late payment on XX/XX/XXXX and XX/XX/XXXX. However, they are reporting this late payment is inaccurate. I sent a letter trying to fix this problem but I haven't seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they do not This is a violation of my federal right. Can you help with this matter? 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 non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: KY

Complaint narrative:
Received numerous harassing calls at different times. On XX/XX/2024 advised to discontinue making calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: Figure Technologies, Inc
State: GA

Complaint narrative:
The negative items came back verified and are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In XXXX of XXXX I entered into a Debt Management Plan with XXXX XXXX XXXX XXXX, which included a signed Power of Attorney and proposal sent to XXXX XXXX Bank. For reasons unknown to me, and unexplained by XXXX XXXX XXXX, they did not accept the proposal until XX/XX/XXXX. In the time in between, I still made monthly payments to XXXX for the months of XXXX and XXXX. Less than XXXX weeks after XXXX 's acceptance of the proposal, on XX/XX/XXXX, XXXX began reporting my account as 30 days past due to all three major credit bureaus ( XXXX, XXXX, & XXXX ). On XX/XX/XXXX, with my permission as XXXX, a representative with XXXX contacted XXXX regarding this issue and XXXX confirmed on a recorded line that my account was not XXXX days past due as is required by the Fair Credit Reporting Act, it was 11 days in the amount of {$27.00}. Using this information, I disputed the reporting with all XXXX credit bureaus aformentioned. On XX/XX/XXXX I recieved notification from the credit bureaus that my dispute had been concluded and that XXXX not only affirmed the information they previously reported, they now showed the account as XXXX days past due. Included in this investigation XXXX provided information that is undeniably false, such as reporting that my " Date of Last Payment '' in the months of XXXX & XX/XX/XXXX was " XX/XX/XXXX '' when payments were made for both months. It is apparent to me that these actions are a retalitory response to me entering into a debt management plan, as i'm legally able to do, without consequence or repercussions such as these from a creditor. On XX/XX/XXXX, I contacted XXXX directly in an attempt to dispute/resolve the issue as the credit bureaus instructed me to do. I spoke with XXXX XXXX XXXX ) who refused to give a last name or a call back number but stated she was the " only XXXX in the credit card department. '' As expected, she refused to assist me stating that they " can not discuss credit reporting '' with me and advised me to contact the credit bureaus. I informed her that I already had done so and my next step, as i was advised, was to contact XXXX directly. I then requested all written documentation used in the reinvestigation process be sent to me, as is my right under the FCRA, and she stated that she could not provide anything to me besides my monthly statements. Due to the unfair and incorrect reporting by XXXX, and the clear violation of my rights by them in not sending me the legally required information, I am filing this complaint with your agency today in hopes of having this matter resolved outside of a court room.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: GA

Complaint narrative:
This will now be my third attempt in resolving inaccurate information being reported to my credit in direct result of identity theft. These accounts are unverifiable and affecting my ability to obtain lines of credit. This information reporting to my profile is in violation of the FCRA laws. 

I have the right to privacy, and reporting information without my written consent is in violation of XXXX XXXX XXXX Furnishing account in direct result to my credit profile is in violation of 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 2024-02-21 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: OH

Complaint narrative:
Charge offs are considered income and should not be reported on my credit report according to XXXX XXXX XXXX ( XXXX ) and the IRS publication XXXX and XXXX XXXX XXXX. By definition the IRS clearly says a CANCELED DEBT or CHARGE OFF is considered INCOME. The Reporting of this account as a debt is INACCURATE and Unlawful INCOME is a certificate of INDEBTNESS, and the IRS treats the forgiven debt as income. 

XXXX XXXX XXXX XXXX XXXX XXXX are charge off accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX are CANCELED DEBTS, that I have received copy b of my XXXX form.

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 2024-02-21 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: OH

Complaint narrative:
Charge offs are considered income and should not be reported on my credit report according to XXXX XXXX XXXX ( XXXX ) and the IRS publication XXXX and XXXX XXXX XXXX. By definition the IRS clearly says a CANCELED DEBT or CHARGE OFF is considered INCOME. The Reporting of this account as a debt is INACCURATE and Unlawful INCOME is a certificate of INDEBTNESS, and the IRS treats the forgiven debt as income. 

XXXX XXXX XXXX XXXX XXXX XXXX are charge off accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are CANCELED DEBTS, that I have received copy b of my XXXX form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: PR

Complaint narrative:
My credit report is still reporting information that being fraudulently open, I send all the information a still in my credit report. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I had a credit card with Bank of America that received fraudulent transactions in XXXX of 2023 of upwards of {$500.00}. 

I immediately reported the charges to Bank of America and canceled the credit card. The card was not stolen or lost and was on my person the entire time, which means the fraud must have occurred through online scammers/ hackers, and was not due to my negligence at all. 

The majority of the charges were from XXXX, which I do use. However, the credit card that I currently use with XXXX is NOT with bank of america. My current credit card linked with XXXX is a XXXX card. 

There is XXXX other charge from a XXXX in XXXX, which is where I live, however, I was traveling in XXXX XXXX  XXXX at the time, and I provided BoA with my flight details to prove that I was not in XXXX at the time and therefore could not have made the purchase. 

I contacted XXXX and sent them a full list of the charges that appeared on my credit card statement, and they did not find any of these charges on my XXXX  account. They said that they do not see " any record of the charges you mentioned. We still think that the best thing for you to do is reach out to your financial institution ''. I do not understand how XXXX could not even find any record of the charges, yet BoA claims they are not fraudulent. 

Bank of America has told me XXXX times now I believe that they do not see the charges as fraud, however, have only provided me with the meager information of " these charges are consistent with your spending ''. However, {$200.00} of the charges were with XXXX withdrawal, which I have never used before on my account. In addition, I do not understand how these charges could have been made with my Bank of America credit card, as ONLY my XXXX card is now connected to XXXX. I have not made any purchases with my Bank of America credit card XXXX XXXX since sometime last summer.

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 2024-02-21 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: CA

Complaint narrative:
According to XXXX, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation.

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