vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
ON XX/XX/2021 i filed a CFPB complain with the complaint number XXXX-XXXX  because there was an alleged debt being reported on my consumer reports. I sent the company a cease and desist and also a debt validation letter the company responded saying they have requested the documents from the original creditor. I received mail from the company a couple of days ago they sent me a membership agreement between me and blink fitness, Under the FDCPA this does not meet the requirements of validating a debt so I demand that this unvalidated debt be removed from my consumer reports immediately. Also pursuant to 15 USC 1692G as the original creditor only I can validate a debt and I do not validate this debt. I also found a couple of violations in the letter they sent me attached with the rental agreement which is a {$1000.00} per violation the alleged debt is for a {$130.00} it will cost you way more to keep trying to collect on this alleged debt than to remove it from my consumer reports and XXXX out the balance because I am a federally protected consumer and I know my rights and power I am prepared to go the distance if this issue is not resolved immediately. My next action if I dont get my desired outcome is to send an invoice for all the violations I found and also sue you in court for it and also for defamation of character my credit report is a reflection of my reputation and you are damaging it the ball is in your court now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has been reporting my negative account over 7 yrs. they have made false reports about account being late 4 after years. i was late for payment first year of loan and they arrear balance..fcra states 7 years. i disputed information with experian.trans union and equifax. stating first late payment was XXXX..when first late payment was XXXX..due to hardship i was going thru. unable make payment they agree to arrear two months payments XXXX..i wish have remove immediately from all credit agencies.

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 2021-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Debt Collection Company Claimed That I owed an alleged debt from a Car Insurance Company. The Debt Collector submitted collection accusations onto the XXXX Credit Bureaus : XXXX, XXXX XXXX XXXX XXXX  damaging my personal-Credit Rating ( which the Bureaus aren't authorized to exist by law see 15 USC 1681, nor do they have my written consent to post ANY of my personal information on ANY public-website ) and violating Two Acts of Congress : The Fair Debt Collection Practices Act ( F.D.C.P.A. ) & The FAIR CREDIT REPORTING ACT ( F.C.R.A. ). I don't know this company and don't have a contract with this company. I sent this company my dispute dated XX/XX/2021 to remove all harmful violations of the F.C.R.A from the Credit Bureau 's and submitted my Invoice for the several violations as required by the Federal Laws that they violated by this action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HCFS Healthcare Financial Services of TeamHealth
State: CT

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT i wrote to ARS ACCOUNT RESOLUTION on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to. Please be advised that this is my 3rd written request to you and my my 3rd complaint through the CFPB and that i fully intend to pursue litigation AGAINST ARS ACCOUNT RESOLUTION in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance. the only document i received from ARS account resolution does not validate a debt. i have attached it to the complaint for the review of the CFPB. BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT. United States Court of Appeals, Ninth Circuit. Linda L. CLARK ; Jerry V. Clark, Plaintiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant. Nos.04-35563, 04-35795. Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant. Court of Appeals of Indiana. March 26, 2001. Attorney ( s ) appearing for the Case Clifford W. Shepard, Consumer Protection Law Offices, Indianapolis, IN, Attorney for Appellant. Thomas J. Grau, Carol A. Nemeth, White & Raub, Indianapolis, IN, Attorneys for Appellee. ATTACHED ARE COPIES OF THE LETTERS WHICH I WROTE TO ARS ACCOUNT RESOLUTION I HAVE ATTACHED THE INSUFFICIENT DEBT VALIDATION THAT WAS SENT BY ARS ACCOUNT RESOLUTION WILLFULLY AND I HAVE ALSO ATTACHED A COPY OF THE LETTER I WROTE TO THEM

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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian dispute. XXXX XXXX XXXX  account says 30 days past due for XXXX. This is a joint account with someone who used the vehicle on a daily basis refusing to pay for it after previously agreeing to pay for it. I filed a replevin with the court in XXXX. The issue was not resolved until XXXX due to interpreter/covid issues. 

The court ordered the other party to pay off the account balance in full. 

I informed XXXX XXXX XXXX of the issue with the court and told them I had copies of the judge 's order. I provided the judge 's order with Experian dispute. 

Experian only updated the account showing it was closed. 

I am never late on any/all of my accounts. This was a joint account where the other party was taking advantage of me resulting in me filing a replevin with the court.

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 2021-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I had a loan in 2003, i was promised a 1 % max of 1.5 % loan interest. my loan was sold a few times now the last loan Nelnet. they stated i consolidated and i never did, i have no proof of payments made, my interest is at 7 %, i have no documents as : loan agreement, amatrilization, payments made, original promisary note from nelent and from the student laon its self. neither does the financial aide laon people have any documents and nor does nelenet. iv requested these over and over again, my payments made over the years does not show on my principle. there is no proof or evidence of this continued loan or consolidation. When i call nelenet sends me to finacil aide and finaciale aide sends me to nelenet. nelent sent me something like a not original promisary note, they sent me one with fasle information and no signature and further more not completed. 
i am tired of the ru around my loan goes up instead of down. If i do not have these docuents requested then i hould not be obligated. i have been asking for years for info. when i all the financial aid people they are unable tolocate any of my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Fraudulant Inquiries, address, and credit accounts that I never opened. Address I never lived at. Someone is pretending to me and i need these accounts to be removed due to Fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Fraudulant Inquiries, address, and credit accounts that I never opened. Address I never lived at. Someone is pretending to me and i need these accounts to be removed due to 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 2021-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I received a notification on XX/XX/XXXX stating that a collection account from an apartment I resided in was being placed on my credit reports ( XXXX, XXXX  and XXXX  ). I was never contacted about this debt when I moved out in XXXX of XXXX. I contacted the company on XX/XX/XXXX for a debt validation and waiting the allotted time of 30 days and did not receive anything from this company to my address in this time frame. I contacted them again on XX/XX/XXXX for a second time, still had not receive anything. I called the original company that issued the debt to be placed on my report, they do not have any record of this debt and can not verify with me where this debt came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To whom it may concern, I sent a multiple inquiry removal letter on XX/XX/2021 by certified facsimile in order to dispute information, in regards to 21 hard inquiries, that were being reported on my credit report. They received the letter few days after and completed the requested-on XX/XX/2021, the request that I submitted included all 21 hard inquires that were not factual and I received the same process for ALL inquires, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must DELETE the disputed information from it file. The fact that I received a response withing 7 days or receipt of certified mail, one can assume that there was no investigation into this matter whatsoever. Im submitting this complaint due to the LACK of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the creditworthiness a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX of 2019 I opened an account with Capital One, I was on time with my payments up until we had a national emergency with XXXX. I've disputed this with the credit bureaus stating they were violationg my rights on reporting negative remarks under the CARES Act. Upon further research I learned that my rights are also being violated by both the bureaus and capital one under The HEROES Act where it states that no negative remarks should be reported during The XXXX pandemic plus 120 days and that under FDCPA restrictions have been placed on debt collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Loan # XXXX was sold by XXXX to NewRez. NewRez is supposed to pay mortgage insurance with part of the payments I send them. Last month, they didnt pay insurance, and my insurance company, XXXX, was finally going to cancel my insurance, so I paid it myself. So essentially I paid it twice. I tried calling NewRez and got transferred twice, the last time was to a useless voice recording with no help options. I emailed NewRez. On XX/XX/XXXX, they responded : We received your email and are working to gather the requested information and will respond as soon as possible.. Its the XXXX now, so no response in 20 days. My next payment is due and I dont want to overpay again.

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 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America allowed a person to enter a location in Michigan ( I live in Texas ) and allowed them to withdraw {$9500.00} from my account and gave the person a temporary debit card which allowed them to withdraw an additional {$1000.00} from my account. The bank did not utilize any secondary identification such as the password on the account or sending a text to my phone to verify my identity. I have spent now over 10 hours in a week trying to work with the horrible multiple departments to get money back in our account. There is on consumer advocate to deal with when the theft was due to the bank 's failure in policy.

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 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IA

Complaint narrative:
Fay servicing holds my current mortgage. The mortgage had fallen behind, and was included in a chapter XXXX bankruptcy. My attorney has filed a letter with Fay telling them they can communicate directly with me. It has since has been brought back to 100 % current status, with no pre petition or post petition arrearages, as I sent them over XXXX XXXX dollars, and I wish to keep it that way. I had online account access for the last 90 days where I was able to review my account at will, and make payments etc etc. 

Logging in today, I find my access has been revoked. I can no longer access any financial information regarding my mortgage or it's status. All I am offered when calling them today was to blindly trust them and send money over the phone with no way to verify any details whatsoever.

Historically, I do not trust Fay Servicing, but the mortgage is far enough along that refinancing it would actually hurt me more than help me. But it seems Fay is intent upon playing games once again with my account. When I asked for a manager, I was told " his manager was not in '' so I asked for their manager, and the manager of the manager..etc etc all to no avail, just blank refusal and stonewalling to help me in the least. I was told no manager would speak with me.

I find Fay 's procedures and policies in this regard to be both predatory and malicious, and XXXX only knows what they are really up to, what they feel they need to hide. PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

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 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: TX

Complaint narrative:
On XX/XX/XXXX I opened a checking account online with Comerica Bank. I recently moved to XXXX and I would like to utilize a local bank. I also saw an ad on XXXX about {$200.00} bonus for a new account with direct deposit. After the account was approved and opened I immediately set up direct deposit so that my next paycheck would go to this new checking account at Comerica Bank. I also received a debit card a couple days later. 

On XX/XX/XXXX I called in to unlock my online access since I forgot my password and I was told by the representative XXXX that my account was closed on XX/XX/XXXX. There was no communication from Comerica Bank about this closure. My paycheck is supposed to arrive on XX/XX/XXXX and I am not short of funds to settle my bills due to this confusion. 

My account number is XXXX I can understand that banks want to close accounts due to various reasons but the lack of communication is evident of deceiving and misleading practices that can harm consumers greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX has been reporting my negative account over 7 yrs. they have made false reports about account being late 4 after years. i was late for payment first year of loan and they arrear balance..fcra states 7 years. i disputed information with XXXX.trans union and XXXX. stating first late payment was XXXX..when first late payment was XXXX..due to hardship i was going thru. unable make payment they agree to arrear two months payments XXXX..i wish have remove immediately from all credit agencies.

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 2021-08-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX has been reporting my negative account over 7 yrs. they have made false reports about account being late 4 after years. i was late for payment first year of loan and they arrear balance..fcra states 7 years. i disputed information with XXXX XXXX  and equifax. stating first late payment was XXXX..when first late payment was XXXX..due to hardship i was going thru. unable make payment they agree to arrear two months payments XXXX wish have remove immediately from all credit agencies.

Company response to consumer: Closed with explanation