vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX  XXXX XXXX XXXX Re : Dispute of Inaccurate Credit Report Information Pursuant to XXXX XXXX ( 15 USC 6802 ) To Whom It May Concern, I am writing to dispute the accuracy of information in my credit report as provided by your agency, XXXX. This dispute is made under the provisions of the XXXX XXXX ( 15 USC 6802 ), which ensures the accuracy and integrity of my financial information. 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report and found inaccurate information regarding my account with VELOCITY INVESTMENTS LLC. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
Under the XXXX XXXX, I am requesting that [ XXXX ] conduct a thorough investigation into this matter and correct any inaccurate information on my credit report. Please investigate this dispute and provide me with the results in writing. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents support my claim and demonstrate the accuracy of my account information. 
Furthermore, I request that any corrected information be sent to VELOCITY INVESTMENTS LLC and to all other credit reporting agencies that have received this inaccurate information, as required by law. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Found out that someone opened a fraudulent account with CB Indigo bank maxed out the balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: FL

Complaint narrative:
Beginning in XXXX of XXXX I went in forbearance with Midland Mortgage. I was offered XXXX options for paying the funds back ; Pay it all back in lump sum, make extra payments monthly on top of my mortgage or to do a partial claim to add the amount owed to the end of the loan. I chose to make the payments at the end of the loan ( Partial Claim ) and signed the documentation On XX/XX/XXXX. From this point I was informed we were waiting for the VA to approve the Partial claim and it could take some time for it to complete. I found out about and applied for XXXX in Florida XX/XX/XXXX and was approved for {$49000.00} on XX/XX/XXXX understanding that if I was awarded the funds I would be able to use those instead of the loan. After speaking with Midland Mortgage I was informed that they had received the funds and would be applying them to my account which would have brought me current to XXXX of XXXX. I am now finding out that there is in fact a partial claim for the amount of XXXX that I was unaware of. The VA made their decision on XX/XX/XXXX about the partial claim unbeknownst to me that it was still going on as I was aware that he XXXX funds would be applied to my account and they were checking with the VA on how to proceed. In XX/XX/XXXX I was sent a letter informing me I was in Foreclosure and needed to make payments and pay the lawyers fees starting immediately. Im selling my home and find out that nearly half the funds from XXXX were sent back to the State on XX/XX/XXXX and they applied {$24000.00} of it to " catch me up '' for " missed payments. ". I had been told I didn't need to make payments while waiting on information from the XXXX During this time I was aware it was either one or the other and I was absolutely preferring to take the XXXX funds and not another loan. This was not explained to me and I was given conflicting & incomplete information from many of the people I talked to at this company regarding my loan/partial claim and HAF funds. I was constantly reaching out to Midland to ensure that I was doing what I was required to do to stay on top of everything. I was Informed recently that the partial claim was applied to XX/XX/XXXX to XX/XX/XXXX and the XXXX funds to XX/XX/XXXX to XX/XX/XXXX so they essentially had me in a holding pattern and held on to the XXXX funds for nearly a year without applying them. If I had known this, I would have contacted the VA at the time to stop the Partial Claim and use the XXXX funds in its place to bring me current and start paying my mortgage. The company misled me about the application of funds and sidled me with a loan I didn't need knowing they had the funds on hand to take care of the 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
Consumer complaint received 2024-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DFC Global Corp.
State: FL

Complaint narrative:
I have tried to pay off the loan but went through a lot from my XXXX  passing away due to XXXX. I have not been able to pay off the with that being the debt collectors keep after me but according to 15USC 1692 I am implying that this pay XXXX XXXX XXXX and The Check Cashing store should'nt be after me and this should be removed from all of my credit directed from all three of the main credit establishments including but not limited to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
To whom this may concern, Hope this finds you well and thank you for taking my inquiry. Unfortunately XXXX or XXXX made an error when reporting to Transworld Systems Inc. As highlighted in the attachements related to the vehicle rental, the rental record/account number is the same of # XXXX, however the vehicle I rented had plate number XXXX. 

In the correspondence by Transworld Systems Inc., the plate number is XXXX showing this a false debt or a debt belonging to someone else. Furthermore, the response from XXXX shows no toll transactions. 

Appreciate the assistance in resolving this matter and hope this provides clarification. 

Thank you and best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX Re : Dispute of Inaccurate Credit Report Information Pursuant to XXXX XXXX  ( 15 USC 6802 ) To Whom It May Concern, I am writing to dispute the accuracy of information in my credit report as provided by your agency, XXXX This dispute is made under the provisions of the XXXX XXXX ( XXXX XXXX XXXX ), which ensures the accuracy and integrity of my financial information. 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report and found inaccurate information regarding my account with VELOCITY INVESTMENTS LLC. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
Under the XXXX XXXX, I am requesting that [ XXXX ] conduct a thorough investigation into this matter and correct any inaccurate information on my credit report. Please investigate this dispute and provide me with the results in writing. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents support my claim and demonstrate the accuracy of my account information. 
Furthermore, I request that any corrected information be sent to XXXX XXXX XXXX and to all other credit reporting agencies that have received this inaccurate information, as required by law. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-06-24 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: NJ

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: NY

Complaint narrative:
I accepted a private student loan with Sallie Mae from XXXX. I began making monthly payments on my student loan beginning XXXX of XXXX in order to pay towards the loan total of {$18000.00}. Every payment has been make on time from XX/XX/XXXX- XX/XX/XXXX. However, the interest rate has made my loan balance impossible to decrease. Although I have made payments in XXXX, Sallie Mae claims to have never received these payments. As a result, I requested for some sort of payment plan in in XXXX of XXXX in order to make up for the payments that Sallie Mae claimed to have never received. However, Sallie Mae declined stating that there are no options available. As a result, I began making late payments in which Sallie Mae decided to contact me regarding setting up a forbearance payment plan in XXXX of XXXX. Although I have made payments in XXXX and XXXX on time, Sallie Mae denies ever receiving a payment for this entire year as well as XXXX and XXXX, and have sold my loan to XXXX XXXX XXXX. I wasnt notifed until XX/XX/XXXX in which I received a letter in the mail explaining that my loan was being sold. According to the mailed document, my loan balance amount is {$18000.00} as of XX/XX/XXXX. 

The loan amount total plus interest that I began with was {$18000.00}. I have been making payments since XXXX ; however, Sallie Mae is claiming that I owe {$18000.00}. This does not make any sense to me. How has my loan amount only gone down by {$100.00} if I have paid over {$10000.00} in total with payments being a MINIMUM OF {$310.00} each month. Due to the payments significantly increasing each month, I am unable to give an exact monthly payment amout as each month showed a different amount. I have attached proof in which payments were made during the dates that Sallie Mae claimed to have not received any payment. I have also attached documentation of sallie mae stating that my payments are overXX/XX/XXXX days late when they were not. I have attached bank statements showing the difference of payment amounts which were based on the total monthly payment requirement of each month. I have more proof and can provide more proof upon request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Compliance Department XXXX XXXX XXXX [ Addresses of XXXX, XXXX, and XXXX ] Re : Dispute of Account Information Pursuant to Fair Debt Collection Practices Act ( 15 USC 1692c ) To Whom It May Concern, I am writing to dispute the accuracy of information regarding an account with CREDIT COLLECTION SERVICES, as reported by your agency. This dispute is made under the provisions of the Fair Debt Collection Practices Act ( 15 USC 1692c ). 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report from [ XXXX ] and found inaccurate information regarding my account with CREDIT COLLECTION SERVICES. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
I am requesting a thorough investigation into this matter in accordance with my rights under the Fair Debt Collection Practices Act. Please investigate this dispute and correct any inaccurate information in my credit report. Additionally, I request that you notify me in writing of the results of your investigation and provide a corrected copy of my credit report. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents substantiate my claim and demonstrate the accuracy of my account information. 
Furthermore, please ensure that any corrected information is provided to all credit reporting agencies that have received this inaccurate information. 
Please acknowledge receipt of this dispute within XXXX  days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This gift card is not accepted anywhere in store or online its constantly declined

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-24 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: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
someone has been fradulant using my information without my permission with out me knowing nothing my identifty had got stolen a while back with all my information inside of it im not please with what the person is doing at all i dont think this is right if i wouldnt of got my credit ran to purchase me a home i wouldnt of knew nothing about this because of this it has impact my credit score and brought it down very low i would like to file charges on the person once i get to the bottom of it i havent been no where to get no auto loan ran i already have a vehicle which im making payments on so why would i try in go get another vehicle which i can barley afford i pray and hope you guys help me remove all these inquires ran on my credit and help get it resolve thanks and have a bless day

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 2024-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/year> JPMorgan chase closed my accounts with out any kind of notice and would not tell me why my accounts were closed. In my almost 20 years with them, I have never had a late fee on my mortgage, credit cards or an overdraft fee on my accounts. They have the right to close the checking and savings but now they affected my credit score drastically by closing XXXX credit cards. They are not allowing me access to my account to pay the balance I owe on my credit card and mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
f there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Benuck & Rainey, Inc.
State: NJ

Complaint narrative:
Original debt was paid - monthly payments. First payment was made on XX/XX/year> for {$96.00} I do not owe {$480.00}- Never have I owed this - nowhere on the statement does it even mention what this money is owed for. 
I have never received anything in the mail written/email/phone that I owe {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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:
To Whom it may concern, I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 


Credit Inquiries : 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 XXXXXX/XX/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 2024-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
On XX/XX/year>, I received a email from TrueAccord demanding {$1300.00}. On XX/XX/year>, I called the company to dispute, and I was transferred to an account specialist. I provided the account number provided by the email and the collector kept asking me questions about my identity in order to create a contract. I explained that the account was not mine and that by law they supposed to produce the original paperwork of the debt, also I stated that the debt was over 7 years old and that by XXXX it was illegal to procure the collection. They failed to produce paperwork.

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 2024-06-24 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: GA

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

Company response to consumer: Closed with explanation