vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX LAST 4 SSN : XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024, I deposited a {$2000.00} cashiers check and was told it would be available on Mon. or Tues. Since it was an unexpected Blessing I agreed. This morning I look to see it is being hijacked until the XXXX? SHE LIED JP Morgan has a habit of hiring XXXX  that display XXXX XXXX  toward their XXXX consumers. The wording used is also demeaning and XXXX. WHO I AM IS A CONSUMER WHO HAS BEEN THERE SINCE XXXX, WHO I AM IS A CONSUMER WHO HAS DIRECT DEPOSITS MONTHLY, WHO I AM IS A BUSINESS PARTNER WHO ENCOURAGES HER COLLEAGUES TO OPEN ACCOUNTS THERE. A gift from my deceased fathers bank has turned into a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: FL

Complaint narrative:
I went to my bank vystar to withdraw money on XX/XX/2024. The bank notified me a judgement is placed on my account and my children account. The bank gave me the name advantage assets llc.and telephone number XXXX. I called advantage assets to get more information. The lawyers office informed me they are a debt collector for XXXX XXXX XXXX. The collector I spoke to asked me for my address. He said the office would mail me a copy of the judgement. I told the collector that is not my account. I need my money and my children money from my bank to pay bills. He would not provide me with account numbers. He only told me the office is collecting and I owe {$12000.00} on XXXX accounts. Both accounts in the total amount of {$24000.00}. I do not owe this company. Please help me?

Company response to consumer: Untimely response
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX continues to supply wrong information. My XXXX dispute was met with the following message on XX/XX/2024, and reporting same day with the next message The dispute for the account with XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

( This is after attaching the loan verification document below ) And ... ( on the same web page ) XXXX XXXX has reported Positive Activity : Loan Paid. 
Nice job paying off your loanyour account was last reported as having a Loan Outstanding, but now it's showing as paid with a XXXX balance. 

I also noticed that the other XXXX that they report, XXXX and transcredit took huge hits on the experian site, yet have remained stable for months, over XXXX, untill i complained about this, now they dropped to XXXX XXXXsh each How is it possible that they did any due diligence the XXXX time, let alone the second, and come up with a blanket answer that the account stands, a $ XXXX balance that was paid in full on XX/XX/2024, and a letter from affirm attached to the second dispute stating in fact it was paid?

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

I told Transunion, and XXXX to reinvestigate these inquiries : XXXX XXXX, inquiry date XX/XX/year> and XXXX XXXX, inquiry date XX/XX/year>. However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2024-03-16 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: NV

Complaint narrative:
The address is invalid on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this address. 
The correct address should be XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: MA

Complaint narrative:
Transaction History IN Crypto.com Frozen my funds customer support did not RECOVERY MY FUNDS XXXXXXXX  XXXX/XXXX/XXXX  at XXXX XXXX XXXX  COMPLETED XXXX  XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX  PLEASE ASK CRYPTO.COM TO RETURN MY BACK PLEASE HELP ADDRESS crypto.com Crypto.com XXXX XXXX XXXX, XXXX  XXXX, XXXX, Florida XXXX | contact XXXX crypto.com | XXXX My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma,XXXX  please help ask my money back {$110000.00} will up or down market rate date XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The address is invalid on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this address. 
The correct address should be XXXXXXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The address is invalid on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this address. 
The correct address should be XXXX XXXX XXXXXXXX XXXX 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
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
So I opened an account on Citibank a few months ago and I noticed that almost every time I would use my debit card anywhere would lock my card and cite it for fraud and on XX/XX/XXXX I had used my card at a XXXX then at a local restaurant then I had tried to use it at a XXXX  and it wouldnt work so I figured no big deal. Ill just call the fraud department once again well I tried to get into my Citibank app and I was locked out, so I called the fraud department of Citibank and they informed me that Citibank had closed me down along with ALL MY MONEY. When I asked for answers as to why they closed me down, they told me they could not help me have a nice day and hung up on me. I ended up calling almost 10 times that day to find out how I could get my money and each and every time while I was talking Mind you I was being respectful they hung up on me each and every time I finally called back and asked to speak to a supervisor and I was simply asking her if I drove the hour and a half to my local Citibank would they be able to give me the money out of the account well, I didnt even get to ask the entire question she told me she could not help me have a nice day and hung up on me. This is totally illegal and unacceptable. I asked the supervisor how am I going to feed my child? You have all of my money I called back and was hung up on again, I dont even know exactly how much is in the account because I can not get into the app this has caused me major duress

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XX/XX/2024 I was notified that there was a hard inquiry on my credit report. It was Wells Fargo, I do not bank with them or have a credit card with them. I am not sure how they got my information. I called them to report Fraud. I have not anything from the process. I want this inquiry off my credit report. This was not me.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American First Finance, Inc.
State: LA

Complaint narrative:
i went to apply for a mortgage when i was notified about a closed collection on my account in the amount of {$4000.00} dollars to a company i never heard of and never done business with but that wasn't the only one i checked my credit score and it had dropped XXXX points due to a collection from a phone company i never used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
The company closed my Credit card account without any notification to me either via email or mail. The reason they are saying is because of inactivity, however my account had transaction at least till XXXX of XXXX and my statements were generated till XX/XX/XXXX. 
This was a card with Annual fee and I dont understand how long do they consider the inactivity in months? Do they close the account for less than 6 months of inactivity? which I think is very unfair to the customers. 
Secondly there was no communication made to me regarding this account closure and I even contacted the customer care in XX/XX/XXXX for other reason and they didn't mention to me about the account getting closure which is insane. 
Finally I had XXXX $ rewards on my account which got forfeited because of this account closure which is a loss to me as it was earned rewards by using the card. 

I would want a resolution on this and a way to reimburse my rewards of XXXX XXXX More controls should be put in place to ensure such communications are reaching to customer on time and given enough time for them to take corrective actions before account closure. This is a total inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email from Cross Country Mortgage LLC XXXX XXXX department that I completed trial modification and am approved and in a permanent workout plan. I signed and returned approved forbearance agreement on XX/XX/XXXX. The loan was current upon entering forbearance term. Forbearance term is from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, they reported to credit agencies I was current, CP forbearance. On XX/XX/XXXX, they reported me 30 days delinquent and that the loan was transferred. I was not delinquent in the month of XX/XX/XXXX. From XX/XX/XXXX to today, Ive sent countless emails and have spent hours trying to get this resolved. On XX/XX/XXXX, I spoke to a representative named XXXX ( XXXX ) who stated that on XX/XX/XXXX they reported me 30 days delinquent and that the loan was transferred, when it shouldve been reported current, transferred and CP forbearance. XXXX told me to hand write a dispute, take a photo of it and send back with credit reporting snapshots. XXXX confirmed that the reporting on XX/XX/XXXX is inaccurate and needs to be updated to current, forbearance and transferred. Despite all my attempts including sending in this dispute, plus all documentation showing forbearance agreement and email stating I completed trial modification and that Im in an approved and permanent workout plan, I received a letter on XX/XX/XXXX stating that Im in default. Additionally, I requested they send me documentation stating Id be reported to the credit agencies prior to executing forbearance agreement and they have both verbally stated and written in email they did not send me notice of credit reporting and do apologize for the inconvenience but that there is nothing they can do and they stand by their credit reporting and letters of default.

Company response to consumer: Closed with explanation