vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
I got a letter from RMP ( debt collection agency ) on XX/XX/2023 that I owed over {$1000.00} in medical debt. I called RMP and asked them to provide me an itemized bill & they were very harassing and threatening and not wanting to provide this info. They said I just " have to pay it ''. On XX/XX/2023 I sent a certified letter in response, asking for the following : 1. Agreement with the creditor that authorizes RMP to collect the debt. 
2. Agreement with my signature stating I have assumed the debt.

3. Copies of the debt agreement with the amount and interest.

4. Proof that Statutes of Limitations hasn't expired.

5. Complete payment history with any charges.

6. Their license to collect in my state of Florida.

7. License numbers and registered agent. 
I also advised them that if I didn't get a response from them within 30 days they must stop trying to collect this debt. And their non-compliance would be a waiver of all claims to enforce the debt. 

I never heard back from them until XX/XX/XXXX, where they again sent me a debt collection letter saying that this random " invoice '' validates my debt with XXXX and as a response to my letter. This letter only has an invoice from XXXX with my name, the amount of {$970.00} and a stamp that says this is from a debt collector trying to collect debt. That's it - none of the info I asked for at all. 

I called them and spoke to XXXX who said they " can't speak to me about this debt '' even though I told her 1. They didn't respond within the 30 days therefore the debt isn't valid. 2. I asked for all this other info and she said can't provide it. 3. She lied and said RMP is not a debt collector ( even though I have 3 letters saying they are ). I told her she needs to stop sending me letters and/or trying to collect a debt that RMP CAN NOT validate as mine. I responded within the 30 days and they did not, nor have they tried to validate this debt. I asked her to not report to the credit agencies since they can't validate it and she said that " it's not her decision, it's her client ( XXXX ) 's choice ''. Also- not true seeing as they are a collections agency. 
RMP needs to stop harassing and mailing me debts they can't prove are mine. They are liars and manipulative to try to get me to pay a random invoice with random amounts. I'm reporting them because they failed to stop collecting a debt they can't prove to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I had an American Express card which I only used as a backup card. Company : https : //www.americanexpress.com/ In XXXX, 2022, I spend {$18.00} using the card. For some reason, I have not received an electronic notification that the bill was due. As a result, American Express charged me 100 % of what I owed in late fees. My late fee was literally {$18.00}. 

I called their customer service and explained that I have not received electronic notification and that I dont believe it is legal for them to be charging me 100 % of what I owed in late fees. 

I have excellent credit and I have never before been late with a payment. Thus, I requested cancellation of the late fee, which American Express refused. 

In XX/XX/2022, I filed a complaint with XXXX, which American Express did not respond to. As a result I have cancelled my American Express Account. 

I do believe that failing to send me an electronic notification about the bill was premeditated strategy to extort money from the customers. I also do not believe that the company should be allowed to charge as much in late fees as the customer owns. 

I would like American Express to refund me {$18.00}. 

Please see the attached supporting documents. 

Thank you for your consideration. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have a XXXX XXXX bankruptcy reporting on my credit report. I sent a letter to the bankruptcy court asking if they report to the credit bureau. I received a response stating they do not report to credit bureau. Any information reporting was not from there. I had a dispute filed with Transunion Credit Bureau and I got a response from the dispute saying the information was verified as accurate. I asked them also send me proof that the bankruptcy court verified this. I only received a letter from TransUnion stating verified as accurate. 

No proof of this from the bankruptcy court. I'm entitled to be provided with the documentation from the bankruptcy court that they used to verify this account. I asked if they couldn't provide me with verifiable proof this account be deleted from my credit bureau. I have not received any documentation of verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I opened a savings account with Citi Bank online on XXXX and deposited {$130.00} into it. The next morning of the XXXX they have blocked it. I call them to see what the problem is and they direct me to the fraud department. They tell me they closing the account and funds will be sent to my address. They told my account would be closed 5 business days from the XXXX. They haven't done anything. I call them today and they tell me they can't verify my account because of my phone number is not on file. This the same number I opened the account with. They say I have to wait for a letter in the mail and refuse to help me or tell me anything about when In receiving my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I didn't participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2007 I opened accounts with Wells Fargo. Last month I received a statement stating that I could be reimbursed money from the accounts. I lost the letterhead but would like to receive my compensation, if its possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
XX/XX/XXXX Made an accidental {$130.00} payment on a XXXX balance Best Buy account. 
XX/XX/XXXX Sent notice of overpayment and requested return of funds. 
XX/XX/XXXX They asked for dollar amount and date -- I submitted both. 
XXXX  They asked for an XXXX XXXX XXXX XXXX report. 
XX/XX/XXXX My bank was unfamiliar with that report but I did try to send them a file and a cut and paste from my account but the website would accept neither -- asked for an email address. 
XX/XX/XXXX Informed them because of their lack of response I would have to file with appropriate state and federal bureaus. Said I would wait for response until XX/XX/XXXX. No response. Note : Their own website shows the payment being made on a XXXX balance account. Very odd. 
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 monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: UT

Complaint narrative:
I am so confused about the status of my student loans and its balance as of today. On XX/XX/2023, I received the attached response from Nelnet after disputing its current balance. 

I am particularly confused about the 4th paragraph from the bottom ( highlighted with a yellow box ). 

Does this mean that Nelnet or the US dept. of Education has not finished with the process of discharging my loans? 

I also need to know if loans numbers XXXX and XXXX are all loans from other schools either than XXXXXXXX XXXX i.e. are they mostly from my XXXX schools attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BROKER SOLUTIONS, INC.
State: MI

Complaint narrative:
I had been working for XXXX XXXX when I first brought my home. In XXXX of 2022 I put in my two weeks notice because of XXXX  health reasons. From XXXX till XXXX I was unemployed but I did have some saving I used to keep my bills current. In XX/XX/2022 I had started working my new job but the pay was significantly lower than my previous job and I just got behind. The company did try to help, they had given me like 3 months extension where I didnt have to pay my mortgage. I did let them know I wanted to start paying my mortgage again I just had gotten behind on everything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2023. I received a mail from PayPal saying they are unable to continue processing payments for me and my account is permanently limited due to me violating some of their policies and that they will hold any money stored on my account for 180 days. My business provides a service to different brands where products are tested to give the brands positive or negative feedback and what they can do better, payments were received through PayPal. After looking several hours and asking for help to my accountant we couldn't see where I violated one of their policies, their policies talk about selling and participating in illegal acts such as selling drugs and guns which my business has nothing to do with this. After trying to contact PayPal several times for an explanation every single time was the same '' We can't disclose the reason ''. I also told them I could send any type of legal documents to verify my Identity but they were all responded with the same email saying this is a final decision. By PayPal doing this my whole business comes to a complete halt due to a mistake on their part of accusing me of violating their policies or making wrong assumptions. I have called several times and talked to different Managers and the last one told me '' The same answer you got on the mail is the same I am going to give you, the decision is final ''. I thought I was not under what can be considered a High-risk user since I have never received a claim/chargeback from any of my clients, I do not violate any of their policies. Today XXXX XXXX I received an answer from them saying I actually was targeted as a " High Risk User " due to some " potentially fraudulent funds ". In the close to one year of my business operating, I have never received a Claim nor a Chargeback. I am open to talk to PayPal and prove that my funds are not fraudulent also I can provide any type of documentation/receipt from client and I am also able to prove each and every single transaction/funds received for what the order was paid for, but PayPal never asked for this kind of information, matter of fact they didn't even gave me a chance to prove I am not involved in any fraudulent business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Radius Global Solutions contacted me regarding an unsettled debt I have with XXXX XXXX XXXX. I asked them if they had a license to collect in New York State, they insisted they did. I asked them to provide proof, they directed me to their website XXXX XXXX XXXX. They instructed me to scroll down till I see the NMLS Consumer Access link XXXX XXXX XXXX XXXX Once I clicked the link, I typed their company name in to see if they were licensed to collect in New York State and the results showed me that they were not licensed to collect in New York StaXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: AL

Complaint narrative:
On XXXX XX/XX/2023 from an individual claiming to work at US BANK phone number XXXX asking if I was applying for another car loan in Arizona or another state. I have not ever applied for a car loan. He advised I check my XXXX. 

The next morning, I checked XXXX and saw an auto loan in the amount of XXXX dispersed and in my name as the cosigner to an individual named XXXX XXXX who I do not know. The employer and one address associated with my name are incorrect and I presume them to be " XXXX XXXX 's ''. 

I then filed an FTC identity theft report number XXXX And also a local police report incident XXXX Also a complaint on the FBI website. 

I then placed a freeze and fraud alerts with XXXX, XXXX, and XXXX and filed a dispute with XXXX about the false reporting. 

I contacted US BANK on XX/XX/2023 and spoke with their fraud department with an individual named XXXX, who said they would investigate the issue. The only thing that has happened since then from US BANK is one letter reading about a hard credit inquiry removal but nothing about removing the fraudulent reporting to the credit bureaus. In a letter from XXXX, The dispute results claimed that the lender stood by the loan claiming that is my loan. So they did not remove the information from my credit. 

Since the initial contact with US BANK the fraudulent person using my credit has missed a payment and my credit has dropped over one hundred points. The amount is now XXXX due to the late fees I presume. 

I reached back out to US BANK on XX/XX/XXXX to see what was going on and they would not help me. I spoke with XXXX people each who sent me to the next person, only to get to the last person instructing me to call the number I was already on the line with. During this series of calls, they would not verify my Identity over the phone and instructed me to visit a local branch, there is not one in my home state. I do not know the account number or anything other about the auto loan. I have never received a bill to my home address in regards to this.

I am working on writing dispute letters per the FTC guidelines to each credit agency per the FCRA 605B including copies of my credit reports, requiring the bureaus to block this false reporting. These will be certified mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: FL

Complaint narrative:
Hello, I am writing this on XX/XX/XXXX. 

I was made aware by XXXX that I owe XXXX account balances of {$17000.00} & {$15000.00} to EdFinancial Services that were taken out in my name back in XX/XX/XXXX. I never signed for this loan or gave any consent to EdFinancial Services for these loans to open. Plus I have not made a single payment to EdFinancial Services the ENTIRE time this loan has been open because I had no idea that it existed until today. I was made aware though from both XXXX and EdFinancial that someone made a payment on the account XXXX months ago. I asked XXXX at EdFinancial if they can see the bank account information associated with that payment and they said the bank information for the payment was removed. I asked XXXX at EdFinancial if they could show any documentation proving that I signed and consented to this loan and they have nothing on file for me. I never took out that loan. She told me she would report it to their fraud department and advised me to call the police. I know the police will simply tell me this is a civil matter so I am proceeding to file a dispute by filing this complaint with the Consumer Financial Protection Bureau. 

The documentation I have to support this claim is NO documentation because there was literally never any documentation in the first place. EdFinancial couldnt provide me with any documentation either. When this loan supposedly began, my parents were in the middle of separating after 30 years of marriage and I was highly mentally unstable. There is NO WAY I signed anything for a loan during this time. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
While checking my TransUnion credit report recently I found out that the following inquiries has been made on my credit report are without any of my knowledge or consent. I believe I am victim of identity theft. So I am asking the agency to remove these inquiries as soon as possible. Thanks. 

XXXX  ( Bank ) - XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2023-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VW Credit
State: VA

Complaint narrative:
I leased a vehicle XXXX  years ago from Volkswagen Credit Company. In XXXX of 2023 the vehicle that I leased, was purchased by a different Autodealer. The loan was paid in full by the dealer to the leinholder, Volkswagen Credit. 

I was sent a letter from Volkswagen credit that the full debt was paid off. My complaint is that Volkswagen Credit is now sending me a bill in the mail, Nine months later, claiming that I now owe them {$300.00}.. 

They have already been paid in full and with interest. I do not owe them a debt, and I want the matter cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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