vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I dispute your claim and request validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide a breakdown of fees, including how YOU calculated what YOU claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, 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 2023-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
in XXXX i purchased a used car from XXXX XXXX it was financed through Santander. 
XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Around the time of XXXX we found out the our Loan was a charge off. Closed on XX/XX/XXXX with a balance of {$2700.00} I am not really understanding, because there is a Loan Amount on our CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: IL

Complaint narrative:
To whom it may concern, let me first state that this account was deleted on XX/XX/XXXX Experian report # XXXX and had not been reporting since until XX/XX/XXXX 4mo later it appear back on my credit report with out justification other then I opened a dispute ( on a deleted account ) which I never did because the account was deleted there was nothing to dispute account had been deleted back on XX/XX/XXXX how is this possible? XXXX has had muitiple chances to correct this account and did not and or did not respond in time allowed by law so account was deleted. Now Experian has allowed XXXX to place account back on my Experian report still reporting false information. I have attached 3 reports a report of account being deleted on XX/XX/XXXX, report of XXXX response letter of XXXX records stating account charged off XX/XX/XXXX and the actual Experian report shown that XXXX is reporting to Experian account was 120days late on XX/XX/XXXX not charged off among other false information! I also called Experian talked to XXXX a special handling department rep and he advised me to make a FTC report so it would block XXXX from reinsterting account again once I made another dispute so I did and I will also attache FTC report as well I understand XXXX is paying for Experian service but Experian has a lawful obligations to insure the information being reported to Experian is in fact true!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a new inquiry from JPMCB auto finance. Im not sure if that means someone has used my credit to open an account or why it was even pulled there. I have no accounts with chase banks whatsoever and hope it doesnt connect with my credit going down XXXX whole points afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hi Dear CFPB/ Comenitybank/Victoria 's Secret Card : I am writing this letter to dispute the accuracy of Commenity Victoria 's secret mastercard opened in my name on XX/XX/XXXX. 

Name : XXXX XXXX Account Info : XXXX ( I dont have the full account into, the number is from credit bureau and Comenitys letter ) Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX Phone : XXXX ( cell ) On XX/XX/XXXX, I noticed that my XXXX bank account had unauthorized checks withdrawn.. From XXXX, the total unauthorized amount is ~ {$9000.00}. 

The XXXX bank has investigated this issue and found that someone in New York used my fraudulent driver license ID in one of the bank branches to ask for paper checks and took cash. 

The XXXX bank has completed the investigation and returned all money back to my account. 

I also checked my XXXX credit profile and found out someone used my name to open a Comentiy Bank/Victoria 's Secret card on XX/XX/XXXX and they spent a total of {$630.00}. 

I called Comentiy Bank/Victoria 's Secret card Fraud Department twice on XX/XX/XXXX and they told me a fraud investigation case was opened. I have received no information from Comenity Bank afterwards. 

However I learned from XXXX recently that Comentiy Bank has reported my case as charge off and late payments, not as fraudulent activity. 
Comenity Bank also sold my debt to XXXX XXXX XXXX XXXX as a debt collector. 

Comentity Bank is negligent to handle my fraud case which I called them twice on XX/XX/XXXX. They have never sent me any information after my report. Their negligence has severely ruined my credit score. 

I would greatly appreciate it if you can investigate my case and if you have any questions, please contact me at XXXX. 

Best Regards, XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
XX/XX/XXXX, I had 6 emails from this company ( XXXX ) in my junk mail. I then noticed that they had a hard inquiry on my credit report ( Transunion through XXXX XXXX. ) I have never heard of this company -- much less applied for ANY of their services. They had my information from 9 years ago! I called them and they said I had to file a police report ( in the process ), within 7 days or they were going to start collections! On WHAT?! I have reported this to the local sheriff, and the MT Attorney General. I am also going to contact the FCC! I don't know who these people think they are! I am working hard on my credit to get my score back up, and someone like this swoops in and dings it! NOT RIGHT! The emails start out saying they received my application, but they needed more info ( XXXX ) ... then, it was being forwarded for processing ( XXXX. ) I was matched with an offer of {$3800.00} at XXXX, but then rejected the next morning because they couldn't verify my identity! But, they still accessed my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I dispute your claim and request validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how YOU calculated what YOU claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

Account name : XXXX XXXX # XXXX name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX mortgage sold our loan to LoanCare ( XXXX ) on XX/XX/XXXX. 

We applied and were approved for HAF of {$16000.00}. Loancare received the funds but waited weeks before allocating the funds. Eventually, Loancare applied HAF funds of {$16000.00}. However, instead of our balance being decreased to reflect the payment, the new balance went from {$470000.00} what {$470000.00}. 

Additionally, under RESPA, LoanCare was not allowed to report the account to credit bureaus for 60 days during the transfer. Our loan was transferred on XX/XX/XXXX and LoanCare reported delinquency of 90 days on XX/XX/XXXX. LoanCare reports the account as having been opened on XX/XX/XXXX ; however, they were NOT our loan servicer until XX/XX/XXXX ; the credit bureaus reflects that LoanCare opened the loan on XX/XX/XXXX ; whereas, they have restarted the loan. 


LoanCare violated and reported the account to credit bureaus before 60 days. As a result, they reported the account delinquent for 90 days during XXXX, XXXX and XXXX and charged late fees whilst they held the HAF funds. 

Additionally, XXXX mortgage transferred our loan with an ending SURPLUS ESCROW and LoanCare never refunded. 

We never requested to refinance. We never requested to be transferred. We were in forebeafance during the transfer period and LoanCare is attempting to profit on government funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
Back in XXXX of XXXX, I closed my account with the internet provider, XXXX. I closed my account with XXXX, because I wasnt receiving the service I was paying for, and their customer service was unhelpful in resolving my service discrepancy. As a result, I paid the balance owed on the account, which was in the amount of {$65.00}, with a convenience fee of {$3.00}. After I paid my balance, I closed the account, and immediately changed service providers. Some time after, XXXX attempted to collect an erroneous debt I didnt owe, and reported the debt to the credit bureau XXXX XXXX XXXX I disputed the debt, and XXXX determined that I didnt owe anything, and removed the debt from my credit report. Now, this year ( XXXX ), it appears Transworld Systems ( a debt collector ) is attempting to collect on an erroneous debt they claim is on behalf of XXXX, in the amount of {$540.00}. Theyve recently reports to the credit bureaus XXXX XXXX XXXX. Ive disputed both, but both XXXX XXXX XXXX are reporting that Transworld Systems is reporting accurate information. Ive requested evidence & an itemized breakdown of this accurate information, but neither XXXX, nor XXXX have been forthcoming with it. Instead theyve referred me to contact Transworld Systems, the debt collector. Ive attempted to contact Transworld Systems, but theyve been completely unhelpful in resolving the matter, and have been less than forthcoming with any evidence Ive requested, including failing to provide an itemized breakdown of the erroneous debt they claim I owe. They didnt even get my name correct. At this point I dont know how to resolve this matter, as none of the parties involved seem interested in helping. Whatever is being reported by Transworld Systems is false, and inconsistent with my credit history, and inconsistent with my experience with XXXX ( the internet service provider that Transworld Systems is apparently attempting to collect a debt on behalf of ), and is completely inaccurate. I am requesting that this erroneous debt be removed from my credit report history, and that Transworld Systems cease and desist their attempts to collect on this erroneous debt.

Upon further research, Transworld Systems appears to be a scam, which is being reported by numerous consumers who are having a similar experience, that Transworld Systems is attempting to collect on a debt not owed. A simple XXXX search will reveal other consumer reviews of Transworld Systems, as well as the over XXXX reviews reported at consumer affairs hXXXX XXXX XXXX # reviews

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
In XXXX I received {$6600.00}, these funds went into my Venmo account, shortly after that Venmo locked my account for an unknown reason. Ive been contacting them now for several years, I dont get a much of an explanation. The last time I spoke with them was XX/XX/XXXX and was told Your account is currently frozen. Unfortunately, there are no further changes that we can make to your account. Additionally, there is no further information or detail I can provide about why your account is frozen. 
The funds in your account will not be made available to you at this time. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. Please if you can, help me. Ive reached out so many times and this is the only thing they will say to me. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Historically, my mortgage payments are typically set up to post mid month around the XXXX. Mortgage amount of {$2200.00} and additional principal of {$2000.00} is paid timely ( by the XXXX ) every month. Due to a vacation and time zone issue, XXXX payment posted and reflected on the XXXX of that month. The account that is paid from receives exact funds for transfer to the mortgage company. Because of a late charge and consequential reversal of that late charge, that account ran negative for a very brief moment and my typical mortgage and additional principal ended up showing in the account as insufficient by the amount of the late fee that had not payed back into the account. Also, MR.COOPER does not allow a principal payment without paying late fee first. That insufficient transaction was never known by me and MR. COOPER never notified me and instead let the overdue amount run for over 30 days without notifying me of any issue. I was able to resolve the late payment issue with them however they reported to the credit agencies as a late payment over 30 days. I attempted to resolve this by requesting a retraction to the credit agencies with MR.COOPER but they refuse claiming it was in line and no error was made on their part. MR.COOPER never emailed, phone, left voice mail, or text that there was a missed payment, but instead let the account run overdue. I found the discrepancy the following month during the following payment. I have had to solicit results of their " investigation '' as they never sent me a mailing or posted in their account portal. During the course of my time with MR.COOPER, they have made at minimum 3 communication errors to which they sent followup mail apologizing, and have double charged customers accounts doing system upgrades, ending up in an apology. They have since transferred my account to a mortgage collecting agency, XXXX, who appears to have their own servicing problems. Please have MR.COOPER SEND A CREDIT RETRACTION TO THE CREDIT AGENCIES DUE TO THEY DID NOT ALERT ME ON ANY MISPAYMENT ISSUES. Please request credible evidence that they made an attempt to alert me. To this day they have provided me nothing upon my numerous requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: AZ

Complaint narrative:
A monthly cell phone bill was paid after being prorated for actual daily use. The service was cancelled with the provider ( XXXX XXXX ) because of customer finding a better service. 
Consumer cellular called XXXX times over a period of 2 months. I discussed the issue with the XXXX XXXX rep, and they told me that I had to pay for the full month of service. They informed me that their contract with me does not allow proration of service. I wrote a complaint letter to XXXX XXXX explaining ( after reading the contract again, that there was nothing in the contract that prevented pro rationing of daily use service upon cancellation. 
I did not hear anymore from XXXX XXXX until about 6 months ago where their collection agent, Professional Credit Service sent me a demand for payment ACCT # XXXX. I wrote them a letter stating the same information that I sent to XXXX XXXX. The collection agency has not responded and continues to send me a demand for payment letter. 
I do not owe any amount to XXXX XXXX and have paid them in full for services provided. 

XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2023, an unknown party purchased {$1000.00} worth of products using my credit card number on the online portal for XXXX XXXX. Sometime later, that order was physically picked up in a store far from my home by someone who was not me. XXXX XXXX does not appear to have asked for any proof of identification for the pickup. Video monitoring for the pickup ( which surely would have revealed that the person who picked up the order was not me ) appears to have been broken or is for some other reason inaccessible. 

I reported the transaction as fraudulent to my bank ( Chase ) and received a credit back for the charge while they opened an investigation on the case. 

Today, two months later, I received notification from Chase that I was being charged for the purchase again. I do not know the status of their investigation, and I will not be able to find out what happened until next Monday. I will pursue that, but predict I will be faced with many difficulties in reopening the case again by myself. XXXX XXXX was similarly unhelpful in preparing a case for me, but I don't know what really happened. I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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