vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: CO

Complaint narrative:
After I filed initial complaint # XXXX on XX/XX/XXXX against XXXX XXXX XXXX XXXX company restricted my online access as well as that of the co-borrower, so we could not make payments. 

The company ( via XXXX who said he is a XXXX XXXX XXXXXXXX ) called me on XX/XX/XXXX and left a voicemail. I returned the call this morning ( XX/XX/XXXX ) and was on hold waiting for someone to answer for app. XXXX minutes. I later received a call from XXXX XXXX on XX/XX/XXXX ) to discuss the initial complaint, he advised he would be sending over information, which has not been received. I mentioned to XXXX that I and the co-borrower were unable to make a payment via our online accounts and he informed me that our access had been blocked by the company ; once I filed a complaint. I asked if this was company policy when someone files a complaint and he said he really didn't know. He placed me on hold and returned to the call and advised it was company policy. I asked him to send me a copy of the policy for my records and he then changed his statement and advised there was no policy to send. I informed him that this felt retaliatory in nature and that I would be filing a new complaint for the retaliation. XXXX then got very angry and said he would be disconnecting the call and said if I didn't want to make my mortgage payment over the phone he would just hang up. At this point my only option for making the mortgage payment was to do it over the phone as my entire account access was blocked. XXXX processed the payment ( or advised me that he did ) and then said if I wanted online access, I would have to register a brand new account. I no longer have online access and neither does the co-borrower on the loan. This company provides horrible customer service and retaliates against customers who file complaints with governing bodies- that seems like a huge XXXX XXXX issue that the CFPB should be investigating. Customers should be able to file complaints without fear of retaliation or fear of loss of access to their accounts, especially when it could mean the difference between making a mortgage payment and not being able to make a payment. This is gross conduct by Village Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA
State: NY

Complaint narrative:
In XXXX I received a collections letter from Tenaglia and Hunt regarding a credit card debt to XXXXXXXX XXXX which I do not believe I owe and replied requesting validation. I received a response which I do not beleive meets the requirements for debt validation under New York or federal law and replied specifically requesting the following : a copy of the original signed credit agreement or application, transaction summaries showing how and when the amount they claim I owed was calculated, proof that Tenaglia and Hunt was authorized to collect the alleged debt on behalf of XXXXXXXX XXXX, and proof that Tenaglia and Hunt is licensed to operate as a debt collector in XXXX XXXX XXXX  I received no further communication from XXXX or Tenaglia and Hunt for several years which I took as a tacit acknowledgment that they were unable to validate the alleged debt. 

On XX/XX/XXXX I received notice that Tenaglia and Hunt was seeking default judgement in a lawsuit they claim to have filed against me in XX/XX/XXXX. I was never served with this lawsuit and had no knowledge of its existence prior to receiving this notice. Per documents filed with the court the initial complaint was served to a third party identified only as " XXXXXXXX XXXX ( name refused ) - co resident '' ( I live alone and have no idea who this could be referring to ) and the complaint was sent by mail to an incomplete address. Documents also show that an additional notice was sent to the same incomplete address and returned as undeliverable by the postal service. 

I made multiple attempts to contact the attorney of record ( XXXX XXXX ) by phone but the number provided for him in a filing is directed to one of several non-attorney collections who immediately start talking over me or disconnect the call when I raise any of the following issues : The alleged debt was never validated, Tenaglia and Hunt knew or should have known that the original complaint was not properly served, by the time I became aware of the lawsuit the alleged debt ( if valid ) was time barred, all XXXX Credit Card agreements include a mandatory arbitration clause and even if the alleged debt is valid the lawsuit is improper as the matter should have been pursued in arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair reporting act XXXX  account # XXXX has violated my rights.

15 U.S.C 1681 section 602A I have the right to privacy.

15 U.S.C 1681 section 602A section 2A consumer reporting agency can not furnish a account without my written permission.

15 U.S.C 1692 section 805A. A debt collector may not communicate with a consumer at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This looks deceptive and suspecious being a victim of identity theft my gaurds are up. Experian has my name spelled incorrectly on my report. my name is XXXXXXXX XXXX XXXX And experian has it XXXX XXXX XXXX -- -- that is not my name. Also the accounts have inaccuries as well. 

XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account # XXXX both have inaccuries the date last activity are two different dates as well as last reported date, how can these account report different dates with two different activies but all happened the same time. Below i have uploaded documents proving my statement with my report reporting different dates.

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 2023-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I just received a hit on my credit report for {$79.00}. But when I look at my credit report its for 2 different amounts. {$79.00} and {$80.00}. Its from a cbe group. They are with charter communications which I have never had. I have never received a bill from this company. Nothing in writing or no phone calls about this debt. They are stating Its from XXXX  but I have no knowledge of this debt or I would have investigated it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Basically I had interaction with this person ( scammer ) who was a crypto currency smart contract advisor/ investor, who deceived me into sending money to buy crypto currency, wire to XXXX in XXXX and buy XXXX XXXX and send to Coinbase external wallet & then deposit to Smart contract linked to Coinbase Wallet , that would get converted to USDT, to conduct nodes cycle, all transactions looked legit, when the withdrawal dint arrive, after repeated messages to automated customer service i contacted Coinbase Support : please see attachment 's, Scammer info : Smart contract info, it is disgusting to note that how can crypto currency exchange platforms allow smart contracts to be part of their platform and conduct fraud, without checking their authenticity ( Coinbase Wallet in my case ) Platforms should some regulations put in place- I have lost over XXXX in this scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have put in my contact information to a group of attorneys that were going to consolidate my debt on my behalf. He failed to make payments to my bank in which the bank, then close my account. Without notice, I was going to wear of the account being close therefore I made a payment for {$3000.00} which I can add you to the card later on when the card was declined I called my phone and that's the informed me that they closed my account. I've been asked for my {$3000.00} back in which they sent me a check for only 2000 is now been over two months that I continue to call them and ask for the remaining {$1000.00} they keep telling you that she has the OK or they will mail it and I have yet to see any funds. I just called again this morning and apparently there is no record of the XXXX XXXX  being sent or any note in my account saying that they were going to send it now have escalated the case again and told me it would take at least a week before an investigator will be in contact with me. It is over two months and I am just asking for my XXXX XXXX back because they didn't inform me that my account was closed. I never would've put {$3000.00} down. How do I have known that they close it? I understand it is my fault for trusting that consolidators to do their job, but the moment that I fired the attorneys that were supposed to be consolidating and settling my dad on my behalf, I am mediately went and paid {$3000.00} on the account to try to Get back into good standing not realizing that I was too late and my account was already closed. I received {$2000.00} check at the end of XXXX, I have called over a dozen times on this, and I have record of everything as of this morning, I was informed that there is no indication of a check being sent out and they would escalate my case which is exactly what they did two months ago that allowed me to get my first {$2000.00} back. I don't know what else to do here, but I am extremely overwhelmed and this is an urgent matter now I absolutely need this money ASAP. In order to live. I have emphasize all of this to thanks for your addition and customer service could care less

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.After reviewing my consumerit has come to my attention that your office ( XXXX, XXXX and Equifax ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove XXXX. XXXX : Account number : XXXX, XXXX. XXXX : Account number : XXXX, XXXX. XXXX : Account number : XXXX, XXXX. XXXX : Account number : XXXX, XXXX. XXXX  : Account number : XXXX, In addition, your office is in violations of the following violations : 15 u.s code 1692g ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 u.s code 1681s-2 ( A ) ( B ) ( i ) ( ii ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.After reviewing my consumerit has come to my attention that your office ( XXXX, Experian and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove 1. XXXX : Account number : XXXX, XXXXXXXX XXXX XXXX Account number : XXXX, XXXX. XXXX : Account number : XXXX, XXXX. XXXX  : Account number : XXXX, XXXX. XXXX : Account number : XXXX, In addition, your office is in violations of the following violations : 15 u.s code 1692g ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 u.s code 1681s-2 ( A ) ( B ) ( i ) ( ii ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors

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 2023-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I informed the company Navient, that they can not call as per the fair debt collection practices act between the hours of XXXX and XXXX monday-friday due to it negatively effecting my work, having been told numerous times by my employer that they need to stop calling. Now they call 3 or 4 times a day during XXXX and XXXX, and i may soon lose my job due to this, am i able to take legal action as i have notified them not once but twice about the FDCPA and they continue to harrass me?.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is unlawfully reporting information on my report and will not remove as requested. They show late payments that per 15 USC 1681a ( 2 ) A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; are to be excluded from the report. I have asked that the late payments be removed as they are unlawful.

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is unlawfully reporting information on my report and will not remove as requested. They show late payments that per 15 USC 1681a ( 2 ) A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; are to be excluded from the report. I have asked that the late payments be removed as they are unlawful.

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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