vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collins Asset Group, LLC
State: FL

Complaint narrative:
Please be advised that the following collection company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, FL XXXX XXXX Reported on my credit bureau the delinquency of an account that already is in the XXXX XXXX XXXX, FL court system. Please find Case # and Docket information below. Not to mention they made numerous attempts to collect on this debt by using scare tactics stating that I needed to contact the law firm handling this matter immediately. They called my cell phone 4xs in a row from phone # XXXX. 

I strongly believe that this is harassment since the law firm which is handling this matter has still not responded to my Motion to Compel Arbitration with the Court. I would be interested in knowing if they are using these tactics as common practice. 

The Law Firm Associated with this matter is the : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Toll Free : XXXX CASE NUMBER : XXXX CASE STYLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CIVIL COVER SHEET Submit Submit 3 XX/XX/XXXX DIFFERENTIATED CASE MANAGEMENT PLAN STANDING ORDER F/B PLT Submit Submit XXXX XX/XX/XXXX SUMMONS ISSUED XXXX ; XXXX ; XXXX AS TO XXXX XXXX XXXX FILED Submit XXXX XXXX XX/XX/XXXX COMPLAINT F/B PLT Submit Submit XXXX XX/XX/XXXX NOTICE OF EMAIL DESIGNATION XXXX XX/XX/XXXX DIVISION ASSIGNMENT AD : Circuit Civil Central - AD ( Civil ) Submit Submit XXXX XX/XX/XXXX XXXX {$410.00} ON RECEIPT XXXX {$410.00} XXXX Fully Paid Submit Submit XXXX XX/XX/XXXX SERVICE RETURNED ( NUMBERED ) VERIFIED RETURN OF SERVICE SUBSTITUTE XXXX XXXX - XX/XX/XXXX Submit Submit XXXX XX/XX/XXXX RESPONSE TO : ALLEGATIONS F/B DFT XXXX XXXX, PRO XXXX ALLEGATIONS F/B DFT XXXX XXXX, PRO XXXX Submit Submit XXXX XX/XX/XXXX NOTICE OF HEARING NOTICE OF VIRTUAL HEARING XX/XX/XXXX XXXX XXXX Submit Submit XXXX XX/XX/XXXX AFFIDAVIT AS TO COSTS AFFIDAVIT OF COSTS XXXX XXXX XXXX Submit Submit XXXX XX/XX/XXXX MOTION FOR SUMMARY JUDGMENT PLAINTIFF 'S MOTION FOR SUMMARY JUDGMENT AS TO XXXX XXXX Submit Submit XXXX XX/XX/XXXX XXXX WITH NON-JURY TRIAL ORDER XXXX XXXX XXXX XX/XX/XXXX Submit Submit XXXX XX/XX/XXXX MOTION TO COMPEL ARBITRATION AND STAY PROCEEDINGS ( F/B DFT ) Your help in this matter would be greatly appreciated. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was scammed out of {$90000.00}. This happened between the period of XX/XX/XXXX - XX/XX/2022. I paid for a product ( two trucks ) and did not receive the product. The fraud department at my bank ( Wells Fargo ) is refusing to reimburse me my money that I was scammed out of after several attempts at providing them with the proof ( receipts, emails, text msgs, the arrest document, recorded phone calls etc ) and information that they needed to resolve this issue.

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 2023-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I mailed letter telling them that debt was paid years ago. But I'm still receiving letters. This debt was paid in 2017 It was paid 6 yrs. ago and is still reporting incorrectly for 6 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX IXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX I 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 XXXXXXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-03-14 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: Ocwen Financial Corporation
State: PA

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. PHH MORTGAGE SERVICES Account # XXXX has violated my rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an 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 or any other adverse item of information, other than records of convictions of crimes ( they may only report crimes, not debts ) 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.

Please delete this account properly thank you. 


PHH MORTGAGE SERVICES {$430000.00} Balance updated XX/XX/XXXX Account info Account name PHH MORTGAGE SERVICES Account number XXXX Original creditor - Company sold - Account type Mortgage Date opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: TX

Complaint narrative:
In accordance with Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

Re : Accounts XXXX XXXX Account # XXXX has violated my rights. 

The credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate, the date of last active is inaccurate, the high credits are reporting differently and the date last reported is also inaccurate. 

This is grounds for removal and they have violated my rights under 15 U.S.C. 1681 section 602 A states I have the right to privacy.

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 2023-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion Information Service LLC has violated my rights to privacy according to the FCRA Consumer law.15USC 1681 ( 3 ) ( 4 ) Transunion Information Services are reporting an account. From XXXX XXXX XXXX XXXX XXXX account ( XXXX ). I disputed an account for XXXX with Transunion Information Services in XX/XX/2022 and it was removed XX/XX/2022. XXXX XXXX XXXX came back and added another account number and re reported an account that was already removed. I have litigated with Transunion in the past. I have been denied a business loan as a result of this account reappearing on my file. This account is opened fraudulent. Please delete this fraudulent account from my credit file.

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 2023-03-14 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX Installment Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have not issued any written consent or instructions for this to be listed on my consumer report as this is not a personal account. This is a business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One has fraud restricted my account. I had a large refund hit my card due to a return, and Capital will not give me back the negative balance now on the credit card. An amount of {$2800.00} Details : Late 2022 I tried to purchase an XXXX at my local XXXX XXXX in XXXX NY using my Capital One Quicksilver card. I was flagged for fraud and the transaction was blocked. 

I called up Capital One immediately in the XXXX store. I was asked to upload a picture of my license. I did that, however the lighting conditions in the XXXX store are sub-optimal. Many overhead lights causing reflections. The id was not verified by Capital One 's systems and i was not allowed to proceed with the purchase The next day I called up again, I was asked to go through verification and upload my license pictures. I followed instructions and uploaded clear images. Once again Capital One 's system did not verify my identity. I was then permanently blocked from using the account with no option for a resolution. I offered to go in person to a branch with my license and passport for verification. I was told that Capital One 's systems/processes don't allow this. 

As the account was in-operable. I told them to close it. 

Following these events I received a large refund onto the card from a purchase I had made and then returned. After calling Capital One many times, they have not sent me a check for the amount they owe to me of {$2800.00}. They have offered no way to provide me with the money even though they repeatedly stated that they can not hold onto those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have an account with XXXX that was paid off on XX/XX/2023. I have the proof. I called the company. They did not remove it yet they were reporting every 30 days before I paid it off. I disputed the account with Experian twice and even gave them the proof and they came back with the creditor has verified that the account is accurate. Which proved that Experian paid no attention to what was sent to them. I then called XXXX again and they still refuse to remove it. SOmething about 60 days. It is now XX/XX/XXXX and it's still not removed. The payment is affecting my dti and the information on my credit report is not accurate. Experian did not do its job and neither is 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 2023-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Account sent to collections when i already had a payment plan in place paid off in full still was placed on my credit report as delinquent

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 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Bank has closed my account 4 months ago, yet I haven't received my check for {$10000.00}. They shipped out the check, however it was lost and I never got it. I called for 2 months every 3 days and they kept saying they will issue out a new check yet they haven't. Every time I call it's the same story, we sent a notice to the back department. I'm sick of it and will be filing a lawsuit if it's not given to me by XX/XX/23. Bank withheld funds past 120 days! 

UPDATE : I've called for the XXXX time and they say that someone has cashed in the check that sent me, although for the past 3 months I've been informing them to cancel the lost check and reissue another. I have NEVER received my money from this HORRIBLE BANK and they are RESPONBILE for losing my check, not canceling and reissuing when I told the XXXX times. They are liable for the money they OWE 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 2023-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They just took my number and never got back with 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 2023-03-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-03-14 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am a victim of identity theft : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: AFNI INC.
State: TX

Complaint narrative:
I am a victim of identity theft : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Had a problem with online banking and my email being taking over and I recently gained access back to my email account not entirely the email address does not come back to me someone still has access to my email but I can get in from my phone, my online banking, I can not gain access to my bank account due to a problem with online banking which I do not use except to deposit checks from time to time, i have went into the branch and its been kicked over to a department whos investigating the matter of online banking issues, I told them I dont wish to use the online banking I just wish to come into the branch and I can not access my funds and Im on the phone constantly trying to regain access to my account, I cant access my funds or pay bills with my debit card due to issues with online banking

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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

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