vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
Williams & Fudge has taken over my private student loan from XXXX XXXX XXXXXXXX for a few years now. They have ALWAYS automatically taken the funds out of my account every month in the amount of {$50.00}. However, I received a letter from them after XXXX XXXX stating that I am in default because I faile to make payments on time as require by the agreement. However, the AGREEMENT was that they pull automatically take out the funds every month! THEY stopped taking the funds out of my account so THEY broke their on agreement! Why did they stop taking funds out of the account every month as per the agreement in the first place?!! Yet they send me this letter trying to portray as though I made manual payments like I missed a payment when that is not the case. They have ALWAYS automatically taken the funs out of my account since theyve had this loan for a few years. They are misrepresenting what really happened as if I stopped making payments and begin on payments when the truth is THEY STOPPED AUTOMATICALLY TAKING YHE FUNDS OUT OF MY ACCOUNT!!! Why did they stop? I never called and requested for payments to be stopped. But they are lying saying I broke the agreement hen THEY BROKE THEIR OWN AGREEMENT. No one told them to stop automatically taking payments out. Why keep starting and stopping payments!! Nothing has changed! If anything changed I wouldve called yall and told yall!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened an account with Capital One Auto Finance in XXXX and have carried a relationship with them since. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made XXXX late payments in XXXX and XXXX of XXXX. I was dealing with my health early in the year and it caused me to lose track of important dates. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I have with your company. Then late payments are causing me extreme hardship. I am hoping that Capital One Auto Finance can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payments in XXXX and XXXX of XXXX. I have really enjoyed doing business with Capital One and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome Capital One Auto Finance. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I have included a detailed timeline with the events of XXXX XXXX, my old apartment complex falsely accusing me of a repair, then proceeding to try to sue me for it, followed by sending it to collections. This occurred while I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA as a new XXXX XXXX XXXX. I have submitted multiple disputes with each credit bureau. 

XX/XX/XXXX I was falsely accused by XXXX XXXX for causing an electrical issue after calling their emergency services number. The unknowledgeable general maintenance man accused me of working on an arcing electrical panel when all I did was turn off the breaker to prevent a fire. 
XX/XX/XXXX They had the panel replaced after leaving us without power for multiple days in the middle of summer. 
XX/XX/XXXX After receiving the abnormally high repair bill of {$4500.00}, they deemed I was at fault somehow causing a faulty breaker to randomly start arcing and ruin the panel. 
XX/XX/XXXX I have my first meeting with a XXXX XXXX XXXX XXXX and receive a referral for a civil lawyer in town specializing in tenant cases. 
XX/XX/XXXX We hire XXXX XXXX with XXXX XXXX XXXX to represent us. 
XX/XX/XXXX XXXX XXXX represents us in court. 
XX/XX/XXXX I move from Virginia to Florida for my new duty station. 
XX/XX/XXXX The apartment complex contacts my lawyer deciding to not go forward with the case. We received a letter deeming it a non-suit by the courts. 
XX/XX/XXXX I receive my move out documents with the repair bill balance still on it, giving me until XX/XX/23 to resolve it or they will send it to collections. 
XX/XX/XXXX Emails were exchanged between myself and the apartment complex, as well as our attorneys. 
XX/XX/XXXX XXXX XXXX admits because the case was deemed a non-suit it can be reopened whenever they want. They say they are opting to use an alternative method to collect money owed. 
XX/XX/XXXX I am contacted by phone by FAIR COLLECTIONS & OUTSOURCING. I tell them I am disputing the charges as I am not responsible for them and refer them to my attorney. 
XX/XX/XXXX XXXX XXXX sends his letter of representation to the collections agent XXXX XXXX. 
XX/XX/XXXX I begin submitting appeals to the credit bureaus after seeing my credit score take a drastic hit. 
XX/XX/XXXX After three failed submissions, I was referred to the CFPB.

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 2023-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

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

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 2023-06-28 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: TN

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.XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : XXXX Under FCRA law, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Im an over 10 years PayPal user who has never violated the Acceptable Use Policy. Despite this, I received the horrible shock of a You can no longer use PayPal email on XX/XX/XXXX. 
I tried to contact paypal about why my account has been limited and got responses of reason for risky activities. Then I checked the paypal terms, it said : " Higher risk activity We may limit your account if your seller performance indicates high risk activity. This can happen if you : Receive an unusually high number of claims and chargebacks from your buyers, which are an indication of poor seller performance Start selling an entirely new type of product, such as a higher-cost item like jewelry Experience rapidly increasing sales volume, which is out of nature with your usual sales patterns In these cases, we may limit your account while we do a review. '' But I primarily use my PayPal for online shopping payment processor and utility bill pay. In addition, I checked these years ' activities, there is no chargeback, no return or refund in my PayPal and also no money sending or requesting. Everything I do on PayPal is completely legitimate. 

Here are several examples of recent transactions : XX/XX/XXXX : {$490.00} sent to XXXX XX/XX/XXXX : {$5.00} sent to XXXX XXXX XXXX XXXX XXXX : {$450.00} sent to XXXX XXXX None of these violate the AUP. To be honest, I have no idea what could have triggered this mistake. I reviewed it in close detail. I looked on r/PayPal and I am not the only person who has had this problem - many users have been wrongly suspended for no apparent policy violation, especially within the past several days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
NATIONAL CREDIT SYSTEM HAS ATTEMPTED TO COLLECT ON A DEBT THAT I DO NOT OWE. THERES AN APARTMENT IN ALABAMA THAT SOMEONE OBTAINED FRAUDULENTLY IN MY NAME, NOW A COLLECTION AGENCY IS TRYING TO GET ME TO PAY A BALANCE I DO NOT OWE. I HAVE NEVER LIVED IN ALABAMA. BALANCE IS {$360.00} ACCOUNT WENT INTO COLLECTIONS XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
I sent a letter out on XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX XXXX. Heres my tracking number XXXX, However the collection agency said they completed an investigation and everything was accurate. 

Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: CA

Complaint narrative:
Hello team, am trying am begging XXXX XXXX from 4 months till today to report my XXXX auto loan to credit bureaus, I'll submit their emails, they always tell me that XXXX does not report accounts in good standing to any of the credit bureaus, and they tell me let the credit bureau give us a call or send us an email with your signed authorization for us to confirm your credit history to them, I contacted TransUnion they said let XXXX XXXX send us your information, I'll attach also the TransUnion conversations here. 
Am stuck in between, and I need XXXX XXXX  to report my auto loan to the credit bureaus, so that the monthly payments will reflect my credit. 
I need your help please with this issue. 
God bless 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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am trying to deposit a check from my XXXX XXXX XXXXr, and I am unable to. I am displeased.

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 2023-06-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There are two hard inquiries on my report from synchrony bank. 

SYNCHRONY FINANCIAL Inquiry : XX/XX/XXXXXXXX  SYNCHRONY FINANCIAL Inquiry : XXXX XXXX, XXXX  Both of these should have been a soft pull for pre-qualify for an account. And the hard pull would be if I accepted the offer. That is not the case.

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 2023-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
On XX/XX/2023, I submitted an application, which contained my Social Security Account Number as well as my Electronic Signature through the Ford Motor Credit Company. 

On XX/XX/2023 I overnighted my Initial Notice in the form of a Letter of Introduction to the CFO, Attorney-in-fact, and the FORD CREDIT AUTO OWNER TRUST Trustee informing them collectively that I, in good faith, am extending my credit and exercising my right to credit. I submitted an endorsed Offer to Purchase with the Initial Notice. I also informed them collectively not to deny my Consumer Credit Protected Rights per the Equal Credit Opportunity Act. 
( TRACKING # : XXXX, XXXX, XXXX ) On XX/XX/2023 I received a vague Notice from FORD CREDIT EXECUTIVE OFFICES stating what factors they may use to approve/deny applications. [ my initial notice addressed that I was exercising my consumer credit protected rights to credit ] On XX/XX/2023 I received an adverse action notice stating FORD MOTOR CREDIT COMPANY stating they denied me my right to credit. The adverse action notice did include that the Federal Equal Credit Opportunity Act PROHIBITS CREDITORS from discrimination against the credit applicant on the basis ofor, because the applicant has in good faith exercised ANY RIGHT under the Consumer Credit Protection Act. 

If Im not mistaken, I was supposed to receive that denial within 30 days of application for credit. Nor was I to be denied/discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Today, I called SPS Mortgage and spoke with relationship manager XXXX and informed her that my XXXX XXXX and XX/XX/2023, payments for XXXX and XXXX Principal and Interest only of {$200.00} were wrongfully posted under unapplied balance. Her response was that it would take XXXX days to correct the error, that is unacceptable. I stated that I spoke directly with a customer service agent on XX/XX/XXXX and made the XXXX payment and then scheduled the XXXX payment for the next day, XXXX XXXX since the agent stated that they could not take XXXX payments on the same day. XXXX was firm and stating that they send them to the payment department who in turn post it. That sounds as if the payment department decides how they want to allocate my funds, which is false, I decide. Also, they report erroneously to the credit reporting agencies based on their inaccurate decisions. Why as a consumer am I making payments to have SPS mortgage payment department servicing my loan for them to do what they want with my specific payment request ( XXXX )? This is not the first time this has occurred with SPS Mortgage Servicing , Inc. chooses to give excuses for their misconduct in handling my mortgage payments. I have yet to get my escrow account corrected from where they misappropriated funds that I clearly requested to me added to my escrow account over 8 months ago. Refusal ongoing in both areas gives false balances, false monthly statements, false narratives, false credit reporting and all this damages me as a consumer. This ought not be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I received a cash check of XXXX on XX/XX/2023, from a car dealership. At the time, I had to leave the States, so I asked a very close friend of mine that is in the States to help me cash the check. 

We have called a Chase branch in XXXX multiple times to confirm that it is ok for him to deposit the check into his account for me as long as I write a line that says " payable to xxx ( his name ) -- xxx ( My name ). '' After he deposited the check, Chase bank suddenly told him that they had to lock his account because they had to call me to verify that I had approved him to cash the check for me, but there was another problem. The bank says, from their internal system, they can not associate my phone number with me, so they can not call me for verification. Now his chase bank account has been frozen, and the money has been locked. 

The bank says we have to verify the money within 10 business days, or they will have to close the account and suspend the money. The problem is, there is nothing I can do to make their " internal system '' verify that my phone number is linked to me, the phone number that I used when I open a chase bank account. On top of that I am currently overseas right now so I can't even receive any phone calls from the States.

If there is a problem like this, the bank should tell us at the very first beginning. Instead, now they are making the problem trapped in a loop like this. We had confirmed multiple times before we made this deposit, but they are now making it like it is our responsibility.

Company response to consumer: Closed with explanation