vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a collection letter via USPS from National Enterprise Systems attempting to collect a debt that they claim dates back to XX/XX/XXXX. I have no knowledge or records of this debt, and I believe it is time-barred. The letter acknowledges that due to the age of the account, XXXX XXXX XXXX is unable to file a suit against me. 

Despite this, National Enterprise Systems is still attempting to collect the debt. I have never received any prior communication or billing statements related to this account, and I do not owe any money to XXXX XXXX XXXX. I believe this collection attempt violates the Fair Debt Collection Practices Act ( FDCPA ) due to the misleading nature of trying to collect a time-barred debt. 

I request the CFPB investigate this matter to ensure that National Enterprise Systems ceases their collection efforts on this time-barred debt and verifies that it is not reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ).

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 2024-07-01 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I went to go check my credit report and seen thees inquiries that are unknown unverified and requested them to be removed. the collectors are stating that they are verified section 609 I am requesting to see the proof of the verification. The presence of incorrect, unknown, and unverified information on my credit report is a defamation to my character and reputation. I request that these inaccuracies be removed immediately to prevent further harm to my creditworthiness and personal integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I went to go check my credit report and seen thees inquiries that are unknown unverified and requested them to be removed. the collectors are stating that they are verified section 609 I am requesting to see the proof of the verification. The presence of incorrect, unknown, and unverified information on my credit report is a defamation to my character and reputation. I request that these inaccuracies be removed immediately to prevent further harm to my creditworthiness and personal integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
I have 2 major concerns called out here : 1. I opened a CD account ( ending in XXXX ) on XXXX or XXXX of XXXX. I didn't have funds to deposit so transferred money over which became available on XXXX to add to CD. As soon as I added the funds to the CD, I realized the duration chosen was incorrect. The money must have been added for only 3 minutes when I called Marcus/Goldman Sachs and asked them to revert the funds without any penalty. No penalty as GS/Marcus could not have served me ANY interest for 180 seconds. I can understand if they had given me interest that they take some of that interest away. 

The rep understood and tried but realized he didn't have the ability to address my change and asked me to call after XXXX EST when a rep could assist. he made copious notes to my account so no junk fees could be assessed to my account. 

I called at XXXX and the rep ultimately informed me after speaking with her supervisor that I would have to pay $ XXXX in penalty junk fees to get my money out of that term of the CD! That is simply unethical and wrong. I understand the concept of Terms and Conditions but you can't tell me that the spirit of XXXX XXXX and spirit of the Law and Terms and Conditions permit such unethical behavior asking me to forego $ XXXX in penalty fees for putting money into a CD for XXXX minutes. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 2. I have my parents listed as beneficiaries on my Bank accounts and CDs with Marcus. I have had them there for YEARS. The Bank now sends me a notice saying that my parents ( my dad was an XXXX XXXX XXXX pilot who worked with the USAF too all his life ) can not be beneficiaries ... Because, EVERYONE in this world and country must have a SSN? They are honest hard working folks who made me who I am and if I were to die tomorrow, they can not get my money? Because Goldman Sachs likes to discriminate against folks from XXXX? Why would my parents from XXXX have a need for a SSN, when they are adequately well off where they are? See, not everyone needs to/wants to live in the US, when they are significantly more comfortable in their retirement elsewhere. Does Goldman not understand that? Why would Goldman not let my parents be beneficiaries of my accounts in the USA? In fact, my wife does not have a SSN and she legally lives in the USA. As a Bank, you guys should be aware of some basic life use cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: MA

Complaint narrative:
I looked at my report on XX/XX/year>. I noticed some things are still incomplete and not accurate. 
Date of Last Activity Date Open Balance Owed : Original Creditor This account was sold without my knowledge I am not liable for this debt with XXXX XXXX XXXX. I do not have any contract with XXXX XXXX XXXX. 
According to the Fair Credit Reporting Act. 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2024-07-01 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2024-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: MI

Complaint narrative:
I sent an email on XX/XX/year> to Credit Control ( third-party debt collection for XXXX XXXX  XXXX XXXX XXXX XXXX  from my email for a debt validation. I received an automated response to say to allow 30 days. l, which is fine because I asked for 30 days to receive this information. 

I have not received any response as I have requested. They have my email and address on file and they have not sent me anything regarding the debt validation so I can review my records. I believe they violate the Fair Debt Collection Practices Act. 

In addition, I believe someone has tried to contact a relative and not me, which is against the rules because the email states after I submitted a validation letter, Credit Control or our client will mail the validation to the current address we have on file. Collection activity on your account has been placed on hold and will only continue after verification has been sent to 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 explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
From XXXX to XX/XX/XXXX, I was a customer of the XXXX XXXX XXXX, and every six months I had paid my insurance in advance. 
The acquired policy has a policy number XXXX. 

This policy had coverage for six months, with a period from XX/XX/XXXX to XX/XX/XXXX. I paid it in advance the amount of {$1800.00} and on XX/XX/XXXX of XXXX I received a note that I had a balance of the expired policy where XXXX said it had a balance to pay in the amount of {$1000.00}. 

I have investigated the charge and XXXX is claiming that my son XXXX XXXX must pay the policy as the initial driver for this amount. 

My son is XXXX XXXX XXXX. In XX/XX/XXXX he obtained a learner 's permit. 

It is my understanding that up to one year of having this permit, a Florida driver can apply for an intermediate license. 

That will be until XX/XX/XXXX, and I will add my son to the insurance policies. 

Therefore, the charge that XXXX is making has not basis and I ask that this debt be eliminated. I can assure that XXXX XXXX will not drive any of my cars. 

In the initial dispute was only take in consideration the Collection Company and never asked me about what I did.

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 2024-07-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XX/XX/year> URGENT : Formal Complaint Against Capital One for Discriminatory Practices and Financial Mismanagement To Whom It May Concern, I am writing to formally file a complaint against Capital One regarding egregious mishandling of my account and discriminatory practices, resulting in substantial financial harm and emotional distress. 

On XX/XX/year>, I conducted an electronic deposit to Capital One using a different mobile device and promptly informed the bank of this transaction. Concurrently, I requested a replacement bank card. Regrettably, the representative I engaged with, whose second language was English, misunderstood my instructions. This misunderstanding led to unjustified restrictions being imposed on my account. Consequently, Capital One issued threats of account closure. 

Following subsequent communications with another representative, additional and unnecessarily stringent measures were enforced, seemingly motivated by personal frustration on the part of the representatives. Despite successfully verifying my identity at least seven times using my passport, Capital One persistently insisted on subjecting me to further, unwarranted verification procedures beyond what their systems required. 

As a direct consequence of these actions, Capital One has withheld in excess of {$5000.00} from me, funds urgently required for critical expenses such as housing, medical care, and daily living costs. Despite confirmation from state authorities affirming the successful completion of identity verification procedures, Capital One continues to enforce severe restrictions on my account solely based on the initial misunderstanding by a non-native English-speaking representative on XX/XX/year>. 

This situation is not only financially devastating but also emblematic of potential discriminatory practices. It appears that Capital Ones actions have been influenced by bias against individuals communicating in a language other than English as their primary means of communication. Such discriminatory practices are in clear violation of federal and state consumer protection laws. 

Therefore, I urge the Consumer Financial Protection Bureau to intervene immediately and conduct a thorough investigation into these matters. I request that appropriate measures be taken to rectify the financial losses incurred and to ensure that Capital One adheres strictly to fair and equitable treatment of all its customers. 

Enclosed with this complaint are copies of relevant documentation, including correspondence with Capital One, identity verification records, and evidence of state-issued confirmation. 

Thank you for your prompt attention to this serious issue. I anticipate a swift and just resolution to this matter. 

Very respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: TX

Complaint narrative:
I went to go check my credit report and seen thees inquiries that are unknown unverified and requested them to be removed. the collectors are stating that they are verified section 609 I am requesting to see the proof of the verification. The presence of incorrect, unknown, and unverified information on my credit report is a defamation to my character and reputation. I request that these inaccuracies be removed immediately to prevent further harm to my creditworthiness and personal integrity.

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 2024-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: HILLTOP HOLDINGS, INC
State: MI

Complaint narrative:
PRIMELENDING, A PLNS CAP Failed to timely ACH and Credit My Mortgage Account XXXX for the month of XX/XX/year>. I'm disputing Again Unauthorized Use, Identity Theft, Fraudulent Charges, NOT THE OWNERSHIP OF THE ACCOUNT. Every single Time I dispute these Unauthorized, ACH Activities, PRIMELENDING respond by sending me a letter stating that they verified that this account belongs to me, I'm Not Disputing Ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: Incomm Holdings Inc.
State: FL

Complaint narrative:
I received a gift card from my employer that was a VISA giftcard from Vanilla for XXXX USD for XXXX XXXX. The card appeared to be sealed in it's original condition from the store. I went to use the card in XXXX of XXXX. I had noticed that the back of the card had residue that I could just not get off. I took a second look at the card and noticed the last 4 numbers were scratched off. I called to check the card balance and was told it was less than XXXX USD. I filed a dispute with the Vanilla team on XX/XX/XXXX and was told that a response was to be expected between 45-90 days. Upon the 90 day mark on XX/XX/XXXX, I sent a follow up email with no response. I sent an additional response on XX/XX/XXXX with no response. I am not sure where else to go, and was hoping someone on your team would be able to assist. I appreciate all the work you and your team do for us commonfolk. I look forward to hearing from you, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: GA

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 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 2024-07-01 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: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am disputing this because the creditor did not provide me with a Form 1099-C ( Cancellation of Debt ). According to IRS regulations, creditors are required to issue a 1099-C when they discharge {$600.00} or more of a debtors obligation to repay. The lack of a 1099-C suggests that the debt may not have been legally canceled, and therefore, the charge-off should not be reported on my credit report.

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 2024-07-01 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: TX

Complaint narrative:
Please review my report. I notice the creditors are not cooperating with the request I need for my 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 2024-07-01 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: FL

Complaint narrative:
Experian XXXX XXXX XXXX 
XXXX, TX XXXX Account : XXXX Date open : XXXX XXXX, XXXX Amount charge off : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Your company is violating the FCRA by allowing this erroneous account information from this company to be reported incorrectly and inaccurately. This is a direct violation of the FDCPA, TAX Regulations, PRIVACY ACT OF 1974 and the FCRA. This company has no legal rights to a charge-off. As stated by the IRS, If your debt is forgiven or discharged, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. In general, if your debt is canceled, forgiven, or discharged, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax. 

The key word in what the IRS definition of a charge off was you dont have to pay, so you can not attempt something that is canceled and written off as a tax deduction. 
a Form 1099-C, means an applicable entity has reported an identifiable event to the IRS regarding a debt you owe.

15 usc 1681a ( 2 ) definition rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This explains that transaction ( payment history ) or ( experience ) chargeoff collection late payments between the consumer ( me ) and the person ( business ) making the report does not go on a consumer report. Furthermore showing how illegal this account is according to the fair debt reporting act.

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 2024-07-01 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I went to go check my credit report and seen thees inquiries that are unknown unverified and requested them to be removed. the collectors are stating that they are verified section 609 I am requesting to see the proof of the verification. The presence of incorrect, unknown, and unverified information on my credit report is a defamation to my character and reputation. I request that these inaccuracies be removed immediately to prevent further harm to my creditworthiness and personal integrity.

Company response to consumer: Closed with non-monetary relief