vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX NCB MANAGEMENT SERVICES XXXX XXXX XXXX . 
XXXX , PA XXXX Dear NCB Management Services , I am writing to dispute any and all debts associated with my name in your records. As per the Consumer Financial Protection Bureau ( CFPB ) guidelines, I revoke all communication rights and request validation of this debt. I demand full disclosure, including the purchase agreement between your agency and the original creditor, as well as proof of your licensing and bonding. Additionally, I request the deletion of all my information from your systems due to Kelly v. NCB Management Services Inc., No. 23-cv-927, complaint filed ( M.D. Pa. XXXX XXXX XXXX ). The complaint, filed on XX/XX/XXXX in the U.S. District Court for XXXX XXXX XXXX of Pennsylvania, alleges a data breach at NCB Management Systems Inc. exposed the personally identifiable information of as many as 1.9 million people. 

It has come to my attention that despite my requests, you have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Yet, you have reported this debt to consumer reporting agencies, which is a violation of my rights under the same regulation. 

Furthermore, I have not been given an opportunity to dispute this account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Your actions constitute false, misleading, and deceptive practices, which are prohibited by the Fair Debt Collection Practices Act [ 6 ]. Moreover, your furnishing of this account to consumer reporting agencies without proper disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) [ 5 ], [ 4 ]. 

I demand that you cease all collection activities and remove this debt from my consumer report immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was out of the country on XX/XX/2024. I left my phone in my bag a few times on my vacation. On XX/XX/XXXX, i realized that my bank account was missing {$1000.00}. I immediately checked my accounts to see what happened. I realized that my XXXX was used to send money to a person that i dont know. I contacted XXXX to report it as a scam & said that i didnt authorize this money to be sent. XXXX told me that there wasnt anything further they could do and they said that this wasnt fraud. I contacted Chase Bank to report it as a scam & they closed my card, sent me a new one, and temporarily put the money back. Yesterday, XX/XX/2024, i received a letter from chase saying that my claim was denied and they would be taking out the {$1000.00} from my bank account again on XX/XX/2024. I called the bank find out what happened & to get further documentation for my claim. The associate that i spoke with told me that i had sent money to this person before and that you could see it in my bank statement. When i told her that was not true, she became frazzled then proceeded to make things up, like well youve received money here before from XXXX XXXX & it was from the same person. Thats why you cant get your money back. When i asked her to speak to her supervisor, she tried to get me to change my mind & stated that i should just call XXXX. When i spoke to her supervisor, they stated that chase wouldnt return my money because i used XXXX before & the IP address was the same for sending the money. I told him that both of those things were true but Ive never sent this person money before because i dont know them. When i asked him for further details, he said he couldnt give them to me because the details were meant to be internal. How is that possible when Im the one whose money has been taken? I didnt have my phone on me 24/7 but i dont know this person. Much less, i dont send {$1000.00} on XXXX XXXX ever. I only send that amount of money on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: IL

Complaint narrative:
Please adjust my credit report by promptly removing the public record currently displayed. I have provided the necessary documents to support my request, and I appreciate your prompt attention to this matter.

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 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was incarcerated Beginning XX/XX/XXXX and ending XX/XX/XXXX, upon release I logged into my Chime Financial account and discovered a total of almost {$8000.00} was stolen from my account. Immediately I contacted chime, to which they denied my claim within 3 hours, I submitted documents providing the evidence of my incarceration, and my physical incapability to do the transactions. They have denied my 8 rebuttals as well, and I have been waiting for a response on a open rebuttal now, I was told they would have a response by XX/XX/XXXX and here it is XX/XX/XXXX and still waiting. Ive called and they always say itll be 1-3 business days and I should get an email, yet I have still not received anything. I just want my money back. Theyre giving me the run around and Im sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
On XX/XX/XXXX I was served with a legal complaint, electronically filed by XXXX, XXXX XXXX XXXX, on behalf of OneMain Financial XXXX, to recover an alleged debt which I believed to have been paid. I began receiving " service '' of purported court filings from XXXX, XXXX XXXX XXXX as early as XX/XX/XXXX, and possibly earlier. The documents were styled as court filings, titled, " Plaintiff 's Notice of Electronic Service, '' and electronically signed by the same attorneys who electronically filed the complaint I was served with on XX/XX/XXXX. In fact, I received XXXX of these exact notices as an attachment to said complaint. 
Upon receiving the first Notice in XXXX of XXXX, and the second in XX/XX/XXXX, I used the online public search function through XXXX XXXX XXXX XXXX XXXXo search for the legal action taken against me by OneMain. I was unable to find any such action either time, which I now know is because no such legal action had been taken. This, coupled with the fact that I believed this debt was paid, led me to believe the notices must be a scam. What was the purpose of mailing fake legal filings to me, if not to mislead? Both the creditor and its counsel are obviously predatory debt XXXX. 
I have included a copy of the Notice received with the complaint so that you can see what it looks like. Again, this is the exact same notice I began receiving in at least XX/XX/XXXX. It's obviously intended to make the recipient believe that legal action has already been filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX, received a letter from XXXX XXXX XXXX and XXXX XXXX XXXX  decreasing my credit limit on my credit cards stating that the received information from the credit bureaus ( XXXX, Transunion, XXXX ) that lead them to make this decision. I never authorized for this pull on my credit report, I requested to be opted out of sharing my personal information

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX, received a letter from XXXX XXXX XXXX and XXXX XXXX XXXX decreasing my credit limit on my credit cards stating that the received information from the credit bureaus ( XXXX, XXXX, Experian ) that lead them to make this decision. I never authorized for this pull on my credit report, I requested to be opted out of sharing my personal information

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have had my credit report " unfrozen '' without my knowledge several times, most recently on XX/XX/year>. This causes unauthorized hard inquires. I have been told that my online account login information was changed by a bad actor gives them access to my credit report. XXXX has consistently told me that the security questions they ask are enough security, but since this person has stolen my identity, they have access to all the answers for the questions they ask.

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 2024-02-14 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have an American Express gift card that keeps getting decline when I make purchases online. I have a lot of funds and can not purchase things on sites that I want to. When I called Amex the rep could not help me and would not send me a check to refund what is left on card. For instance, I was trying to make a purchase on XXXX XXXX and it got declined. He said it was for security reasons. Would not let me know anything else and just said tried using it elsewhere. I asked if there are sites that are blocked and he told me no. Yet this was the fourth purchase on a site I was trying to make that the card was declined. I asked to speak to a manager and he put me on hold and no one ever came on the phone after five minutes so I hung up. I called back and another rep told me the same thing except that he will do something where if I try in 24 hours to purchase on XXXX XXXX the transaction should go through. I tried again and it was declined. What is the purpose of a gift card if I cant use it online. Also this is a gift card so I cant use it in person unless the store has tap and pay and can use it from XXXXXXXX XXXX. I am beyond frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have had my credit report " unfrozen '' without my knowledge several times, most recently on XX/XX/2024. This causes unauthorized hard inquires. I have been told that my online account login information was changed by a bad actor gives them access to my credit report. Transunion has consistently told me that the security questions they ask are enough security, but since this person has stolen my identity, they have access to all the answers for the questions they ask.

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 2024-02-14 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: WV

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Subject : Dispute of Debts and Revocation of Communication Rights LVNV Funding LLC Dear Consumer Financial Protection Bureau, I am writing to formally dispute all debts asserted by LVNV Funding LLC and to request debt validation and purchase agreement between LVNV Funding LLC and original creditor. to furnish proof that theyre licensed and bonded. I request the revocation of their communication rights via email, call, and text. My decision is based on apparent violations of consumer protection laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), 12 CFR 1006.34 ( d ), and 15 USC 1681s2 ( 7 ) ( a ).

LVNV Funding LLC seems to be engaged in practices that are potentially unfair, deceptive, or abusive, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Moreover, their failure to provide accurate information about my debts, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), raises concerns about their compliance with consumer financial protection laws.

In addition, LVNV Funding LLC appears to be non-compliant with 12 CFR 1006.34 ( d ) by not adequately addressing my previous complaints and disputes, thereby violating regulatory requirements.

Furthermore, I assert my rights under 15 USC 1681s2 ( 7 ) ( a ), as the collection agency has failed to adhere to the Fair Credit Reporting Act ( FCRA ) by potentially reporting inaccurate information to credit reporting agencies. 

As a result of these alleged violations, I am formally disputing all debts claimed by LVNV Funding LLC as I mentioned above and request that the Consumer Financial Protection Bureau investigate these matters promptly and remove from my consumer report immediately. Additionally, I am revoking any rights for LVNV Funding LLC to communicate with me via email, call, and text, in accordance with my rights under the aforementioned laws. 

I appreciate your attention to this serious matter and trust that the Consumer Financial Protection Bureau will take appropriate action to uphold consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: WV

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-02-14 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Andrews & Cox, P.C.
State: KY

Complaint narrative:
On XX/XX/XXXX I was served with a legal complaint, electronically filed by Bleeker, Brodey & Andrews, on behalf of XXXX XXXX XXXX, to recover an alleged debt which I believed to have been paid. I began receiving " service '' of purported court filings from Bleeker, Brodey & Andrews as early as XX/XX/XXXX, and possibly earlier. The documents were styled as court filings, titled, " Plaintiff 's Notice of Electronic Service, '' and electronically signed by the same attorneys who electronically filed the complaint I was served with on XX/XX/XXXX. In fact, I received one of these exact notices as an attachment to said complaint. 
Upon receiving the first Notice in XXXX of XXXX, and the second in XX/XX/XXXX, I used the online public search function through XXXX XXXX XXXX XXXX to search for the legal action taken against me by XXXX. I was unable to find any such action either time, which I now know is because no such legal action had been taken. This, coupled with the fact that I believed this debt was paid, led me to believe the notices must be a scam. What was the purpose of mailing fake legal filings to me, if not to mislead? Both the creditor and its counsel are obviously predatory debt collectors. 
I have included a copy of the Notice received with the complaint so that you can see what it looks like. Again, this is the exact same notice I began receiving in at least XX/XX/XXXX. It's obviously intended to make the recipient believe that legal action has already been filed against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Falsified dates and amounts has been reported to ruin my credit and has blocked me for the past few years to current date from opportunity to live a normal life. I had called, disputed and wrote for corrections and burden of proof with no results. Who owes XXXX for 1month in a 1bdrm individual owned condo when rent was XXXX dated from XXXX to XXXX with late fees added owed XXXX that was Refuse when attempt to pay was made by a non-profit organization. They listed the debt as owing XXXX from XXXX? Please help me to get XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Deceptive lending practices, discrimination, and retaliation. 

Roundpoint is hiding information and refusing to send the account reconciliation after numerous requests. Retaliation also started after the XXXX complaint. XXXX XXXX said they can not deal with me because of the complaint and their supervisor will reach out the next day. The supervisor above them has a title of social media manager and they never contacted me. Followed up with XXXX to let him know I have not been contacted and got zero response from him or anyone else moving forward. I called again the following week and the new supervisor XXXX is blocking me from escalating the issue and has not sent the account reconciliation. I have also messaged and asked them verbally to stop limiting access on the phone app. 

Their deceptive lending practices need to be investigated. They acknowledged they have not fixed anything in XXXX and a half months and agreed the payment listed is wrong after me explaining it to them numerous times but are telling to pay an incorrect payment and threatening to hurt my credit because of their short comings. 

I have asked numerous times to have the issue escalated and they refuse to do it.

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