vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My partner ( authorized signer ) and I ( primary signer ) applied for the Capital One XXXXXXXX XXXX XXXX which offered a spend bonus at the time if a minimum amount of purchases were made on the card within a certain time. We met the requirements and did not receive the sign-up bonus. We contacted Capital One and they said there are two versions of the XXXX card labeled as XXXX " for good credit '' and XXXX " for excellent credit '' ( which is the XXXX with the spend bonus ). We signed up for the latter version of the XXXX " for excellent credit '' but instead were approved for the former version " for good credit, '' which did not include the spend bonus. The fact that Capital One uses the exact same name ( " XXXX '' ) for both credit cards is extremely deceiving, but the bait-and-switch technique that they use to further deceive customers into thinking that they are receiving a sign-up bonus after making required purchases is doubly deceiving and appalling. ( Note, the name of the credit card has since been changed from " XXXXXXXX XXXX XXXX XXXX XXXX XXXX' )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXXXXXX XXXX XXXX XXXX SC XXXX Subject : Follow-Up on Disputed Debts Due to Identity Theft Request for Validation XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ) To Whom It May Concern, I am writing to follow up on my previous disputes regarding the accounts referenced above. As I have previously informed you, these accounts were opened as a result of identity theft. I have reported the incident to the appropriate authorities, including, Federal Trade Commission, XXXX, XXXX and XXXX. I have also taken the necessary steps to secure my identity. 
Despite this, I have recently received statements from your office as a form of debt validation. Under the FDCPA, you are required to provide a full validation of the debt, not just a statement from the original creditor. Until you can provide the appropriate documentation, I ask that you cease all collection activities related to this alleged debt. Furthermore, I request that you refrain from reporting these debts to any credit bureaus until this matter is fully validated. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide verification of these debts, including but not limited to the following : 1. The amount of the debt and a breakdown of any charges or fees applied to the balance.

2. The name of the original creditor.

3. Proof that I am legally obligated to pay this debt, including any documents or agreements signed by me.

4. Verification that this debt is not the result of identity theft, including supporting documentation or proof of how this account was opened and who authorized the charges.

5. A statement confirming that the account has been flagged as fraudulent in your records, and that collection efforts will cease until the matter is fully resolved.

Please be aware that until I receive proper validation of these debts, I consider it disputed. I request that you cease all collection activities, including reporting this debt to the credit bureaus, until you can provide the requested documentation to prove the legitimacy of the said debts. If you are unable to provide the necessary verification, I expect the two accounts be deleted from my credit file.

I expect a response within 30 days, as required by law. If you fail to provide the requested documentation, I will take appropriate steps to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my states Attorney General. I will also consider taking legal action to ensure that my rights under the Fair Debt Collection Practices Act are upheld. 
Please respond in writing to the address above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
Dear CFPB, I am filing this complaint to report what I believe to be unfair, misleading practices by XXXX  concerning my private student loan. Since XXXX, I have been enrolled in a loan agreement with XXXX  at a promised 1 % interest rate for the life of the loan. I chose this program under the impression that it would offer predictable payments and stability. However, recent experiences have shown that XXXX practices have led to unexpected late fees and inconsistencies in the handling of my payments. 

As part of my repayment arrangement, I scheduled payments on the XXXX and XXXX of each month. This approach was meant to meet my monthly obligations while accommodating my income schedule. Recently, in XX/XX/XXXX, I discovered that XXXX  had been applying late fees to my account, which were apparently due to my payments not being made on a specific due date each month, despite my full monthly balance being paid on time within each month. I was not made aware of this specific due-date policy at any point in our agreement, and I had been led to believe that payments within the calendar month would satisfy my monthly payment requirement. 

Upon contacting XXXX, a representative explained that only a single payment on an exact due date would avoid late fees. This policy was never disclosed when I set up my payment plan, and as a result, XXXX  has been penalizing me for what I believed was an acceptable and timely arrangement. I feel that XXXX lack of transparency regarding its due-date requirements has led to an unfair accrual of fees over several years. I have already repaid a significant amount of my loan and to date, have paid XXXX XXXX XXXX more due to these unexpected late fees. 

In light of these circumstances, I am requesting that XXXX  conduct a thorough review of my account, retroactively remove all late fees charged due to this policy miscommunication, and confirm my original 1 % interest rate, as was initially promised. I also request that any future changes or policies affecting my loan be clearly communicated in writing. 

I hope that the CFPB can help address this matter. XXXX  practices have caused me significant financial and emotional distress, and I am concerned about how these fees have unfairly inflated my debt. Thank you for your attention and assistance with this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally demand the immediate removal of all collection accounts listed under my name on my credit report. If these account is not removed, I will pursue legal action against your agency. 
This demand is based on violations of the following laws : 15 USC 6802-05 : These laws protect consumer privacy and personal information. Your agency has not followed proper procedures in handling my data.

Privacy Act of 1974 : This Act guarantees my rights regarding the use and disclosure of my personal information, which your agency has violated by reporting this account without my consent.

16 CFR 433.32 and 16 CFR 433.3 : These regulations prohibit false and misleading representations in the debt collection process. I contend that your agency has failed to comply with these standards.

If this account is not removed from my credit report within 15 days of this letter, I will take legal action to enforce my rights under these laws, including seeking damages. 
Please provide written confirmation of the removal of this 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 non-monetary relief
Consumer complaint received 2024-11-06 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: NY

Complaint narrative:
I am writing to formally demand the immediate removal of all collection accounts listed under my name on my credit report. If these account is not removed, I will pursue legal action against your agency.

This demand is based on violations of the following laws : 15 USC 6802-05 : These laws protect consumer privacy and personal information. Your agency has not followed proper procedures in handling my data.

Privacy Act of 1974 : This Act guarantees my rights regarding the use and disclosure of my personal information, which your agency has violated by reporting this account without my consent.

16 CFR 433.32 and 16 CFR 433.3 : These regulations prohibit false and misleading representations in the debt collection process. I contend that your agency has failed to comply with these standards.

If this account is not removed from my credit report within 15 days of this letter, I will take legal action to enforce my rights under these laws, including seeking damages. 
Please provide written confirmation of the removal of this 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 2024-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
XXXX. The account that is being reporting is identified as an installment loan, which is factually incorrect. The true account type for this account is a credit sale agreement. I have the right to an accurate credit file, and discrepancies like these are unacceptable. 

Please remove this account from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Subject : Enclosed Correspondence Regarding Privacy and Opt-Out Request To Whom It May Concern, Please find enclosed two letters regarding my formal request to opt out of reporting my personal information, as detailed under the relevant sections of the U.S. Code and supported by federal guidelines. I am addressing these issues with respect to privacy protections afforded to me under 15 U.S.C. 6802 ( b ), along with applicable case law and Consumer Financial Protection Bureau guidance. These letters outline my concerns and specify actions requested to ensure compliance with my rights. I am asking that these matters be addressed promptly, with acknowledgment of the requested removals within 10 days. Thank you for your attention to this matter. I look forward to receiving confirmation of your compliance with these requests. Attachments : Letter XXXX Opt-Out Request Letter XXXX Privacy and Compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
We have a mortgage loan through Newrez and they did not pay our insurance through our escrow. They caused our insurance to cancel. We contacted the insurance company and they fixed it and made it where we didn't have a laps in coverage. Newrez is forcing us to pay {$210.00} for their insurance. We had coverage until XX/XX/2024, but Newrez is saying we didn't. I have all the proof and even sent them the proof from the insurance. They have stated there's no proof of coverage and are still trying to force us to XXXX it. It was only {$60.00}, but now it's went up to {$210.00} in a month. Now, we got a statement showing they have XXXX  paid our taxes. The taxes were suppose to be on XX/XX/2024. Here it is XXXX and they have not paid the taxes yet.

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 2024-11-06 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: NC

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy. LexisNexis has 15 days to reinvestigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to dispute the claim that the collection on my account was referred to a XXXX  collection agency JEFFERSON CAPITAL SYSTEMS , LLC XXXX XXXX XXXX XXXX, XXXX in the amount of {$5300.00} under account number XXXX I recently received a notice from this office stating that the collection on my account was referred to a XXXX collection agency, but I believe this information to be inaccurate. 

I have been diligently monitoring my credit report and have not seen any indication of a XXXX collection agency being involved in the collection process.As per 15 usc 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, I kindly request that you investigate this issue further and provide me with any documentation or evidence that supports the claim that the collection on my account was referred to a XXXX collection agency. I am confident that upon review, you will find that this information is incorrect. 

I appreciate your prompt attention to this matter and look forward to receiving a response from your office in a timely manner. Thank you for your assistance in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, XXXX  and tired of living paycheck to paycheck with my credit applications being denied because of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I logged into EquifaxXXXX and no history is pulling up on my credit report. I pay {$19.00} a month for the Equifax services with identity theft insurance and restoration services. My data has been compromised and I am a victim of identity theft. Attached are supporting documentation ( ID etc ) to complete investigation. 

The identity theft restorative services that I pay for comes with : Social Media Monitoring, Device Protection, Parental Controls, VPN, & Password XXXX XXXX searches the XXXX XXXX for your personal data Credit alerts help you detect fraud faster ID Restoration Specialists help you recover from ID theft Up to {$1.00} XXXX in ID theft XXXX to help you recover from ID fraud The identity theft plan I pay for is suppose to help with : Protect Your Identity Device Protection Help protect devices from ransomware attacks and phishing attempts, and block dangerous websites. 

Identity Restoration " a dedicated Identity Restoration Specialist '' to help with " the financial cost of restoring your identity '' which can be high - we reimburse many different out-of-pocket expenses. Up to {$1.00} XXXX  in Identity Theft Insurance- when it comes to monies owed, everything is done to prevent me from accessing reimbursement - a form of financial abuses. 

Monitor Your Credit and Identity Equifax Credit Monitoring with Alerts Credit Monitoring with Alerts Receive email alerts about new credit inquiries and credit accounts on your Equifax credit reportXXXX to help spot signs of fraud. You can also be alerted to changes to your Equifax credit XXXX. 

Updated Equifax Credit Report. Updated Equifax Credit ReportXXXX Your Equifax credit report is updated every time you log in, up to once daily. 

Updated Equifax Credit Score. Updated Equifax XXXX XXXX. Updated Equifax Credit ScoreXXXX Your Equifax credit score is updated every time you log in, up to once daily. Your credit report is a summary of your credit history, as reported to Equifax. Youll see your most updated Equifax credit score that lenders may use when reviewing credit applications.

Lock your Equifax credit report to help prevent new or additional credit from being opened in your name. 

I received the " Remedying The Effects Of Identity Theft ''. Fraud alerts were placed on my Equifax file back in XXXX as well as extended alerts in XXXX. I was also a part of two data breaches with Equifax over the years. 

Being Billed for Services Not Rendered - Equifax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation