vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received information from the collections agency. I asked for additional information in writing in XX/XX/2022 as I had no idea what the debt was related to. I again requested the same information twice when the collector sent attempts to collect a debt without details of the original debt. I never received any verification of the debt. I found the account on my XXXX file and found that it was related to XXXX and XXXX. I attempted to dispute the charge and request additional information through XXXX, to no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: National Credit Adjusters, LLC
State: SC

Complaint narrative:
This has already been disputed with Cash Central claiming no fault but would delete it from ALL 3 Credit Bureaus., NOT just ONE. XXXX and XXXX still show, but XXXX says closed but it's still affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: AL

Complaint narrative:
Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XXXX XXXX Certified Mail Tracking numberXXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX I Account Number : XXXX 2.Account Name : XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX XXXX Account Number : XXXX 5. Account Name : XXXX XXXX XXXX Account Number : 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.

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 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 non-monetary relief
Consumer complaint received 2023-06-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. 

XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX I Account Number : XXXX XXXX Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX 3.Account Name : XXXX XXXX XXXX Account Number : XXXX  4. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : 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.

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 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 2023-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
My Direct Loan was originally serviced under XXXX. I submitted my final XXXX in XXXX of XXXX and my employment was approved for XX/XX/XXXX to XX/XX/XXXX. My eligible counts were initially updated with XXXX and then there was a long delay with the transfer to MOHELA. In XXXX of XXXX, I received notification that I had 124 of the necessary 120 qualifying payments and my loan was eligible for discharge. In XX/XX/XXXX, my counts were further updated to 175 qualifying payments. However, now 6 months later, my loan has still not been discharge. My service provider, MOHELA, says that the delay is dependent on the FSA. I have filed a complaint at the FSA to get more information but the FSA has repeatedly redirected me to MOHELA. 

This delay is far in excess of the typical 90-business day that both MOHELA and the DOE state are their typical time for inquires or reviews. I am certainly frustrated that my loan hasn't been discharged after I was told it was eligible for forgiveness, but my main reason for this complaint is that I am unable to get any information about the reason this review is taking longer than expected and whether there is problem with the application. MOHELA tells me the problem is at the FSA. FSA tells me the problem is with MOHELA. I am unable to get any answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I recently legally settled my debt with XXXXXXXX XXXX XXXX and started making payments per our agreement- they sold this debt to Portfolio Recovery Associates of XXXXXXXX XXXX. They immediately showed this as due in full without any mention of my settlement. My sister who is a co-applicant has been diagnosed with XXXXXXXX XXXX XXXX XXXX XXXXXXXX. This has ruined our credit and we cant pay for her treatments. XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: Zions Debt Holdings
State: CA

Complaint narrative:
ZIONS DEBT HOLDINGS submitted a collections to my account. I asked them to provide proof that the debt was correct because this had been previously submitted by XXXX XXXX back in XXXX. XXXX sent me a contract that I signed in XXXX for 3 years. They said that XXXX has XXXX that my account was on contract until XXXX and that my contract was valid. I told them that I cancelled that contract on XX/XX/XXXX and they said to provide proof. At the time I did not have access to my records. I have requested additional proof, but not received anything except text messages saying they will remove this from my credit report if I pay {$300.00}. I contacted XXXX / XXXX, but they have not provided me with any requested records though they emailed me saying that the last know payment was in XXXX. ( I will attach email. ) I submitted a dispute resolution with XXXX 2 times. I submitted the documentation from XXXX XXXX XXXX with everything they sent me including the billing summary showing that my account went initially delinquent on XX/XX/XXXX. Thus the account is over 7 years since it was current. XXXX said that they researched the case and found to be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I have inaccurate charges on my account the guy read the payments seen that they werent right then got angered and wouldnt give name or Id I have it recorded I have all paperwork of previous people who handled matter and it was placed on my credit after it was supposed to be token care by Hyundai finance

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 2023-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. Specifically, The credit bureau// has failed to comply with their obligations under 15 U.S. Code 1681b and 15 U.S. Code 1681a by reporting inaccurate and misleading information on my credit report. I recently viewed my credit file. Within the report I noticed that there were numerous accounts included in my report that were not mine and/or reported incorrect information. I disputed the incorrect information and challenged each account. On or around XX/XX/2023 I received a notification that my dispute was updated and the incorrect information was showing on my credit report. 

Additionally, I was not provided with adequate notice of these negative entries on my credit report, which is a violation of 1681g of the FCRA and 809 of the FDCPA.

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 2023-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
RE : CASE NUMBER XXXX Wells Fargo mortgage continuously miscalculated fees and other charges in my Escrow account. When I requested correction of these errors, Wells Fargo mortgage responded first by generating two incorrect foreclosure letters among other tailored documents to justify misappropriating funds in my escrow account, then refused to directly address issues raised. A lender that would go to such lengths to cover up untruths leaves much to be desired. 
Be advised that I demand an explanation of the epileptic mortgage interests charged in : XXXX ( {$6300.00} ) ; XXXX ( {$5100.00} ) ; XXXX ( {$4800.00} ) & XXXX ( {$3700.00} ), since my loan is on a fixed rate. Additionally, please provide following XXXX escrow calculations : Beginning balance - Funds Received - Funds Disbursed - Ending balance. 

Lastly, I will appreciate details of the 'interests ' and 'other charges ' added to the ending principal balance of {$85000.00} that produced an outstanding mortgage of {$91000.00} as stated on my XXXX Form 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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
All companies listed below have unauthorized inquiries on my credit report, names and dates are included. 

Factual Data XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc.
State: NC

Complaint narrative:
I received a letter yesterday from XXXX XXXX XXXX XXXX XXXX that stated First Portfolio Ventures I, LLC account number XXXX on XXXX the debt was owed to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX {$10000.00} and I don't owe First Portfolio Ventures I, LLC either. This account doesn't belong to me this is a business account for restaurant equipment and I never owned a restaurant either. I have asked XXXX XXXX XXXX on numerous occasions to send me the contract showing that I brought and owe this debt for restaurant equipment to no avail. I still haven't received proof of claim to this date. My name is a very common name and therefore I do not wish to be contacted any further about this debt until you have the proof of debt, like the contract, what was ordered, where was it delivered to, who signed for it and what business did it go to. For the record I have never received any written notice from First Portfolio Ventures I, XXXX therefore if they brought this account from XXXX XXXX XXXX I suggest you get a refund and stop selling this loan off to other credit collections agencies just because you've been had by XXXX XXXX XXXX thinking you could pay them pennies on the dollar and get $ XXXX out of me for a debt I don't owe!!!! Stop breaking the law!!!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: DISCOVER BANK
State: NC

Complaint narrative:
XXXX accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below had violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate theses Accounts : XXXX  Financial account # XXXX XXXX XXXX account # : XXXXXXXX XXXX XXXXXXXX account # : XXXX XXXX XXXX XXXX  account # : XXXX XXXX XXXX XXXX account # XXXX XXXX  as ( Orgingial XXXX XXXX XXXX XXXXXXXX ) account number # : XXXXXXXX XXXX ( Orgingial Creditor : XXXX XXXX XXXX ) account # : XXXXXXXX XXXX account # : XXXXXXXX XXXX account # XXXX 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 : Its 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 information any other adverse item of information, other than records of convictions of crimes which which antedates the report by more than seven years.

15 U. S. C 1681 ( A ) ( 1 ) a person shall no 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. Also they aren't even in compliance with metro credit reporting. I have Evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America fraud department will not give me my funds back. Someone took my money from my bank account

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 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A credit card to Capital One was applied for in my name. I received a hard inquiry alert for Capital One on XX/XX/2023. On Wednesday, XX/XX/2023, I received the credit card in the mail. I then called Capital One to report the card was opened fraudulently in my name. Capital One closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
This debt was paid XX/XX/XXXX. I received an alert that there was a debt added to my credit score. I did not receive any communication from Rent Recovery Solutions under my name, XXXX XXXX. 

This is a joint account with XXXX XXXX. XXXX XXXX and I disputed the debt and sent four types of proof, certified mail to Rent Recovery. Along with proof, we sent a letter requesting proof debt from Rent Recovery.

Rent Recovery never responded and sent the wrongful {$300.00} debt to the credit agencies without providing proof. We tried calling Rent Recovery two times on XX/XX/XXXX, we were told a supervisor would call us back about the incorrect debt. It is XX/XX/XXXX, nobody has communicated with us since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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:
I am writing to file a formal complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. Specifically, The credit bureau// has failed to comply with their obligations under 15 U.S. Code 1681b and 15 U.S. Code 1681a by reporting inaccurate and misleading information on my credit report. I recently viewed my credit file. Within the report I noticed that there were numerous accounts included in my report that were not mine and/or reported incorrect information. I disputed the incorrect information and challenged each account. On or around XX/XX/2023 I received a notification that my dispute was updated and the incorrect information was showing on my credit report. 

Additionally, I was not provided with adequate notice of these negative entries on my credit report, which is a violation of 1681g of the FCRA and 809 of the FDCPA.

Company response to consumer: Closed with explanation