vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
I received a debit collection letter from Jefferson Capital Systems LLC on behalf of XXXX for XXXX on XX/XX/XXXX. 

I called XX/XX/XXXX to find out more information as I do not have an outstanding debit. 

I provided the JCS reference number on the sheet, my name, and then the customer service rep asked me for the last four of my social security number. I refused and he stated it is apart of the verification process, I refused and he proceeded to ask me to confirm my social and I hung up the line. 

Jefferson Capital Systems LLC XXXX # XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received an alert by my credit monitoring service that someone opened a Capital One credit card in my name. I immediately froze my credit reports from all XXXX  credit reporting agencies. I contacted Capital One directly and they stated that they will close the account and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I opened this checking account with {$200.00} bonus. I completed the qualifying direct deposits and met all the other qualifications Bonus : " {$200.00} bonus when you open a new eligible checking account and complete the following requirements : Set up and receive Qualifying Direct Deposits of {$2000.00} or more into that account within 90 days of account opening. '' Direct deposits of more than {$2000.00} were made three times on XX/XX/23, XX/XX/23, and XX/XX/23 Date of Bonus : " If you meet all of the requirements, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days '' It has been 120 days since the last direct deposit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I received my tax refund to this account and needed to transfer out of it due to an emergency and came and my husband closing on a home. I made 2 seperate transfers to two different external accounts. The very next day when I tried to log in to check the status of the transfers I was locked out of my account and had to call. I called and got the situation resolved and was told the money would go back into the account since the transfers were reversed. I didnt like the outcome of the situation so I decided to close the account and was told by multiple people that the account was closed and the funds have been transferred to my preferred account. I checked the status of the these transfers multiple times and was told everything was okay. On XX/XX/24, I opened up the app to check the status of the transfer since I requested the account closed and and saw the account was open and was surprised since I requested to have it closed on the XXXX. I reached out to chat and was advised that the account was still open, the transfer was good and that there was a security alert on the account when I indeed closed it on the XXXX and I was advised that I needed to call and speak with someone in a different department. So on XX/XX/24, I called and spoke with a security specialist and explained what was going on and was advised that due to it being quick money movement that XXXX cant access my funds. I advised the lady that the account should be closed there is no reason I cant access money that my husband and I worked hard for and this account needs to be closed. She advised me on how to officially close it and get the money. 


I NEED THIS MONEY TO CLOSE ON A HOME. This has caused so much emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX has been selling this old credit file to different 3rd parties like XXXX and others for the XXXX years. 
The credit file has been removed from my credit report several times due to information being stolen to initially open account. This has been going on for at least 10 years. 
Now Jefferson capital has this credit file. I am reporting them because I have received any validation of debt. Also, tactics they are using to try and obtain debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will ile for litigation due to the stress you have caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: CA

Complaint narrative:
Upon checking my Experian credit report I noticed a fraudulent account had recently been placed on my credit report I called XXXX XXXX and the agent could give me any information on the account but only advised me to sign up for a service they offer so they can help my get the fraudulent account removed from my credit report for {$99.00} a month then the agent started asking me personal questions about me what my social security number date of birth and my email and my telephone number made me very uncomfortable after collecting all that information he informed me that he was going to get access to my credit report so he can challenge the fraudulent account for a {$99.00} fee I told him no way I can do that on my owe any how I file a police report with my local police department in XXXX California please remove this information its not mines and I have never done business with XXXX especially around the time of XX/XX/year> 2023

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 2024-02-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon checking my XXXX credit report I noticed a fraudulent account had recently been placed on my credit report I called XXXX XXXX and the agent could give me any information on the account but only advised me to sign up for a service they offer so they can help my get the fraudulent account removed from my credit report for {$99.00} a month then the agent started asking me personal questions about me what my social security number date of birth and my email and my telephone number made me very uncomfortable after collecting all that information he informed me that he was going to get access to my credit report so he can challenge the fraudulent account for a {$99.00} fee I told him no way I can do that on my owe any how I file a police report with my local police department in XXXX California please remove this information its not mines and I have never done business with XXXX especially around the time of XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I cancelled my account with XXXX in XX/XX/XXXX. My last bill was not received until XX/XX/XXXX through paper mail because I was previously enrolled in paperless statements. XXXX placed late charges on my account. I called XXXX on XX/XX/XXXX to dispute the amount. I negotiated the amount to XXXX dollars and was promised by a XXXX representative over phone that the rest of the charges will be waived. This was not the case. I later received mail and email from AmSher Collections that my account was still owing money and continued to accumulate late fees each month. I called again on XX/XX/XXXX to XXXX and was reassured that the balance on my account will be taken care of by another representative. This was not the case.On XX/XX/XXXX, I received a message from the credit bureau that my account with XXXX was reported as delinquent which negatively affected my credit score. I called XXXX XXXX on XX/XX/XXXX and was told none of the prior promises was documented and voice recording was not immediately available. I have to pay all the late fees amounting to XXXX dollars. I paid the full amount but was not able to get a statement from XXXX stating my account balance is now XXXX. The XXXX representative/supervisor also can not give me any details on what happened that caused a huge discrepancy between what I was promised on XX/XX/XXXX and XX/XX/XXXX and what was documented and stated he would try to get the voice recording of the prior 2 phone calls that happened on XX/XX/XXXX and XX/XX/XXXX. I was later told by the supervisor XXXX that my XXXX dollar fee would now be waived and I will receive a refund. However, the damage this delinquency imposed on my credit score is unacceptable. I am planning to buy a home in the near future using a bank loan, this would causesignificant problemsfor me to get a loan. 

I sent communications to AmSher Collections about the disputing the amount but I did not hear back from them about the dispute result. All I received was the notification from credit bureaus about the publication of a delinquent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I was contacted via mail by Calvary Portfolio ServicesXXXX XXXX XXXX attempting to sue me for a debt ( {$9600.00} ) that is past the collection statute of limitations for New York XXXX XXXX XXXX XXXX XXXX. XXXX & XXXX XXXX ). In the letter I was threatened with wage garnishment and a hit on my credit score. Since the debt is time-barred, the FDCPA prohibits a debt collector from threatening to file a lawsuit, or threatening to take action that would require them to win a lawsuit, such as wage garnishment or bank levy. Calvary Portfolio XXXX XXXX XXXX XXXX are acting in clear violation of the FDCPA. 

The stamp on the court summons has the date XXXX XXXX, XXXX ', I'm confused on why it is dated XXXX, when we are in the year XXXX. The credit card account that I'm being sued for was opened XX/XX/XXXX. According to XXXX XXXX. XXXX. XXXX & XXXX XXXX, this is well past the statute of limitations to collect on said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
per 15 USC 6802 ( B ) 16 CFR 313.7 433.2 433.3 15 USC 1681. 5 USC 552 ( a ) and the privacy act of 1974 should stop these institutions from sharing personal information to third party entities such as early warning services, XXXX XXXX, XXXX, XXXX, Trans Union 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 XXXX  All of these companies violated my rights of all laws above in CFR 433.2-433.3 states my information will will not be disclosed to any third parties without consent and clearly my consent was not given to the companies named above to share my personal information without my consent.

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 2024-02-24 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: OH

Complaint narrative:
per 15 USC 6802 ( B ) 16 CFR 313.7 433.2 433.3 15 USC 1681. 5 USC 552 ( a ) and the privacy act of 1974 should stop these institutions from sharing personal information to third party entities such as early warning services, XXXX XXXX, Experian, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX All of these companies violated my rights of all laws above in CFR 433.2-433.3 states my information will will not be disclosed to any third parties without consent and clearly my consent was not given to the companies named above to share my personal information without my consent.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XX/XX/XXXX I submitted XXXX dispute letter ( EX. A ) to XXXX, XXXX and XXXX regarding factual errors on my consumer report. The factual error was as follows : Capital One Acct # XXXX has been illegally re aged, giving me XXXX different dates of last activity - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. This is the account I was addressing, however, there are XXXX accounts ( EX.B ) with the same account number, different amounts and different payment schedules. In a response letter ( EX.C ) received from Capital One dated XX/XX/XXXX, they only addressed XXXX account, the one in which I am not disputing, same account number, different start date, different amounts. Capital One had access to both accounts, since both accounts were created by them and in their system. My complaint is this, I disputed my XXXX of my accounts with Capital One for factual errors and illegally re aging the date of last activity falsifying the end date. Capital One has willfully blocked and declined me my rights to a fair, accurate and complete consumer report. By not addressing both accounts which they have access to, they are causing me time away from work, undue stress and possibly a financial opportunity in my near future. Please reinvestigate into these illegal reporting activities and delete the entire account # XXXX at the risk of me losing good payment history on XXXX of the accounts. Thank you for your assistance in this matter. Exhibits attached. I am also attaching proof of ID and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: LA

Complaint narrative:
XX/XX/XXXX. I launched a complaint against Nelnet for continuing to misreport the student loans that were transferred by the XXXX XXXX program as delinquent. The last updates to those accounts were from XXXX and XXXX. The last update was that they were delinquent. As per the XXXX XXXX policy program, those loans should have been reported as current and the credit reporting agencies were supposed to be asked to stop reporting the default/delinquency. Neither of those things happened. Despite the loans being listed on Nelnet 's website as either ok or in deferment. They continue to report the older loans as delinquent. I have been denied private student loans and other loans because of the number of delinquent student loans I have on file. This is unacceptable. 

How can loans that are paid/transferred be currently delinquent? How can any student loan be delinquent when I'm in school full-time and have a deferment?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal is reporting late payments on my consumer report on the following dates [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ] that I have no knowledge of ever being late! 

Furthermore 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. 
Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: LoanCare, LLC
State: GA

Complaint narrative:
The lender sent a representative to my house who knock and rang my doorbell before XXXX XXXX  ( approximately XXXX XXXX  local time ) on a Saturday. The lender has previously sent representatives under the pretense of verifying occupancy which has been done and yet they continue to send people and this time at a very early time in the morning. I contacted the lender to inform them and no apology was made and did not say they would not do so again.

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 2024-02-24 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: PA

Complaint narrative:
PER 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
they must give ME an opt out THEY NEVER DID XXXX XXXX XXXX COLLECTION/CHARGEOFF Other XXXX COLLECTION/CHARGEOFF Personal Loans {$3100.00} XXXX XXXX Other {$310.00} XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX 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