vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-13 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: DC

Complaint narrative:
On XX/XX/2020 and XX/XX/2020, I the consumer sent Child Support Services Division notices of ESTOPPEL AND STIPULATION OF CONSTITUTIONAL CHALLENGE to all WASHINGTON , DISTRICT OF COLUMBIA AND STATE OF STATE STATUTES WHERE No general law affecting private rights, shall be varied in any particular case by special legislation, except with the free consent, in writing of all persons to be affected thereby.

I the consumer haven't heard nor been notified in verbal or writing that I the consumer is responsible for this alleged debt. Pursuant to title 15 usc 1692g Validation of debt, there's 5 requirements Child Support Services must provide according to federal law. that's a violation of the FDCPA. Pursuant to title 1

5 usc 1692c ( a ) -communication in connection with debt collection : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of ANY debt. That's Another Violation of the FDCPA.

Pursuant to title 15 usc 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( Equifax ) is in serious violation also. Here 's Violation of the FCRA as well : ( 1 ), 15 usc 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 usc 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living was impacted.

( 3 ), 15 usc 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report.

Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand these accounts be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
According to my last statement with XXXX  XXXX my balance was {$750.00}. How is it in collections for {$1000.00} CURRENT BALANCE 1  {$1000.00} Original Creditor XXXX XXXX XXXX XXXX 

Merchant or Service provider MIDLAND CREDIT MANAGEMENT , INC. - XXXX Original Account Number XXXX XXXX XXXX  Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
XXXX I graduated with my electronic XXXX XXXX degree. I was promised help in getting a job afterwards. XXXX XXXX college helped with my resume but that was it. I still don't have a job in my field and it's XXXX. They broke their promise on helping to put me in my field of study. It was also not fully explained how I would owe XXXX dollars for my student loans.. The company I was with was Navient. I am now XXXX  plus in student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXX XXXX Attachments XXXX AM ( XXXX minutes ago ) to XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX : I have been a BOA customer since XXXX and have been designated a Preferred Reward Platinum Customer. I have both personal and business accounts with BOA. Yesterday, I received in the mail a check from BOA in the amount of {$2000.00} ( copy attached ) for an account ending in XXXX. The only explanation was a statement that said, " closing balance ''. When I looked at all of my accounts online, I could find no record of this account although I know it existed and had a balance in excess of {$2000.00}. I attempted to call the phone number on the correspondence and a recording indicated that this office was not open on the weekends. I called both the customer service and security call centers today and was told that only the closed account department could provide any assistance. 

This action taken by BOA, to close a savings account without any prior notification or communication is very disturbing. The fact that any trace of this account was wiped clean from my online banking records is even more troubling. Obviously, I am concerned that BOA could take this same action on any of my other XXXX accounts. I thought this would only be a concern if there were a cyber attack on BOA. Little did I know that BOA could take action against a customer that would replicate a cyber attack. 

I am therefore demanding that BOA provide : 1. An explanation as to why my account, ending in XXXX was closed, 2. Under what authority you were permitted to take this action, XXXX. Why I can find no trace of this account in my online banking records, 4. Provide me with a verified, final accounting of the balance in this account, and 5. Explain how BOA will rectify and compensate me for this action and provide me with assurance as to how BOA will prevent this from happening to me again. 


Sincerely, XXXX XXXX XXXX CC : XXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau Attachments area

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 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
I called the company and explained to them I had no knowledge of the account. They asked me to verify my information, they confirmed they didnt have the correct information so I blindly gave them my correct information in hopes of clearing all confusion then they attached it to my credit. They then began to report on my credit a different amount that they previously told me in our first conversation and went as far as reporting I made over 10 payments in the last year which is untrue. I havent had any contact with this company since our initial conversation almost 3 years ago now and Ive never made a payment or agreed to settle the debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In 2013 XXXX XXXX XXXX emails were compromised. Several years ago I received emails from from XXXX citing a " settlement '' of credit report monitoring via Experian XXXX. Recently, Experian XXXX contacted me via email stating that they had resolved the settlement and to sign up for credit report monitoring. After applying for numerous jobs and constantly being denied, I did. Then, I started to get " alerts '' that my phone number, drivers license, etc was " found on the dark web ''. I was in the process of applying for a job via XXXX Staffing. The contact there was XXXX. Her number is XXXX. The job involved a FBI level background check and I went to have my fingerprinting done XXXX day, followed by a background check another day. At the same time, I received the alerts from Experian. After reading their " report '', I was appalled and shocked to see court records that were untrue. Loans I did not take out. Every aspect was compromised. I assumed it was true, as my XXXX email had been compromised and subsequently included my XXXX student email, which seems to also be compromised. I have applied for both Covid rent help and now recently Rent help. Both redirect to Neighborly software. These " rent help '' services are further being promoted on the local news and by the City Mayor. To add to that, and having said that, the news continually promoted an Expulsion Expo which I also applied for. I received a response from the County Clerks office stating I was considered, but things were " on hold '' pending Covid in person proceedings resuming. Things about my identity are SO compromised, it makes ones head spin and unsure where to even begin. So, upon filing multiple reports to this and other Federal agencies, I have no recourse but to physically go to the FBI tomorrow and I will be providing them with these reports as well as other fraudulent activities. I am a good human. I need my identity restored and redeemed. I need reputable employment. It is extremely concerning given everything I have said above.

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 2022-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
I do not remember the exact date but because I am in Bankruptcy they did not want to communicate with me and I emailed the company no luck I need my account to be corrected, my payments are not being applied properly, as of the last statement I received, I have over {$2000.00} holding escrow in my account and I am still being charged for monthly escrow and my payments are past due over {$5000.00}. My yearly escrow is {$740.00}, there is now way i should have that much funds sitting in escrow and my payments are that far past due, and their statements also not clear of how they break down the monthly payments as far ( regular payment and escrow amount that is due every month. I need help to have my account reviewed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I cosigned a loan for my XXXX XXXX XXXX , back in XXXX to attend the XXXX XXXX XXXX XXXX for {$7000.00}. She has since XXXX  and has moved on to acquiring XXXX XXXX XXXX and now she is in the last year of her XXXX. 
She was XXXX XXXX XXXX at the time of the cosign and is now going to be XXXX  years of age in XXXX. 
I have asked over and over again for the amount of the loan be taken off of my credit report. 
She has made all payments with XXXX XXXX scoring. I have tried everything to get her loan amount off of my credit report. She has even called to have me taken off of that loan as a cosigner. Nothing has been done and we have exhausted all resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
This complaint is for Navy Federal Credit Union ( NFCU ) ; I am also including the consumer reporting agencies in the complaint so that they may mail my complete file pursuant to 15 USC 1681a ( g ). There are two accounts Navy Federal Credit Union continues to report knowing that information is inaccurate and not reportable by Law. NFCU is infringing on my right to credit. NFCU is violating the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, and The Fair Credit Reporting Act. I have sent a cease and desist to NFCU and they continue to communicate with me in regards to the alleged debt via mail, email, and my consumer report. NFCU has not validated the debt pursuant to 15 USC 1692g ( a ) and continue to report the alleged debt after I have advised them that there are billing errors. Pursuant to 15 USC 1692g ( 4 ) validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 10 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue reporting late payments on my account. I have already sent a cease and desist, again this is a constructive notice that, absent the validation of your claim within 10 days, you must " cease and desist '' any and all collection activity of the alleged debt. Be aware that unauthorized use ( 15 USC 1692p ) is identity theft. And I have all of the documentary evidence to support my claims if a complaint with the XXXX XXXX XXXX is needed to be filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/22 called XXXX XXXX to report. Froze all credit bureaus, called Wells Fargo where someone tried to open an account, froze the fraud application for checking 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 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I would like my credit file corrected.

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 2022-03-13 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: TX

Complaint narrative:
I received a text from Chase on XX/XX/21, they told me they declined a {$230.00} purchase with my credit card at XXXX XXXX. They asked if that was my purchase, I said no. They canceled that card and sent a new one ; however, I found out after going through my statement on my mobile app that there were over XXXX in XXXX charges on my credit card. Chase flagged one charge but there were at least 50 charges. I called both Chase and XXXX, its been an ongoing issue. I received a letter from Chase saying my case was closed because they said I benefitted from the transactions which I did not. I had to continue to call both Chase and XXXX to try to get them to work together to help me get my money back. XXXX asked me if I knew a XXXX XXXX, I said no. This person is involved in this fraud. Ive also filed a police report naming this person in the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
On XX/XX/2021 I was incarcerated and on XX/XX/XXXX {$1400.00} stimulus was deposited into my account. At the time of my arrest I think someone took my card because It was not in my belongings at jail. I was missing a card. I got out of jail on XX/XX/XXXX and immediately filed dispute because someone spent over {$1400.00} within minutes of it being deposited into my account. The bank did refund some of the charges which makes no sense because ALL OF THE CHARGES OCCURRED WITHIN MINUTES OF EACH OTHER. Please help me get my {$1400.00} stimulus money back. I have messaged and messaged and emailed for almost a year now and they dont help. They even filed the original dispute on XX/XX/XXXX incorrectly. I made it clear to them that {$1400.00} was deposited into my account and within minutes it all was being spent while I was locked up in XXXX XXXX XXXX. I have sent them proof of me being in jail for 30 days and they still didnt help. Customer service can only be reached by chat and they are from another country and barely understand what I am trying to explain to them. I had to get them to refile the original dispute because of them not adding all of the correct transactions that I was very clear about. {$1400.00} deposited, {$1400.00} disputed because it was all spent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-13 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: AL

Complaint narrative:
Every account that is reporting negative on all three of my credit files should be removed. Also the addresses. I have only lived at one address. I am enclosing proof. The bankruptcy that are reporting is inaccurate. The Bankruptcy Court does provide information to the Credit Reporting Agencies and XXXX states that it has removed it. Why is it still reporting. I am enclosing copies of police report showing I have been a victim of identity theft and all these negative accounts should be removed immediately.

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 2022-03-13 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: AL

Complaint narrative:
Every account that is reporting negative on all three of my credit files should be removed. Also the addresses. I have only lived at one address. I am enclosing proof. The bankruptcy that are reporting is inaccurate. The Bankruptcy Court does provide information to the Credit Reporting Agencies and XXXX states that it has removed it. Why is it still reporting. I am enclosing copies of police report showing I have been a victim of identity theft and all these negative accounts should be removed immediately.

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 2022-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
XXXX XXXX monthly payment was not collected due to insufficient funds due to the a same day deposit to cover the mortgage was deposited on the same day causing insufficient funds. XX/XX/2021, Nationstar withdrew XXXX payment making my mortgage 30 days late. No other mortgage payments were withdrawn after XXXX payment. In XXXX, my tenant of the property financed by Nationstar notified me of a balance of {$2400.00}. My privacy was violated because the tenant opened mail that was not to be sent to the financed property. The mailing address on file is my residential address but Nationstar mailed the letter to financed property without my approval. I was not notified by phone because Nationstar didn't have my phone number on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I would like my information corrected

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 2022-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have tried to fix this several times with the creditor and XXXX. On report is misleading information. First it says closed but payment status says pays account as agreed yet shows a 0 balance and a 0 monthly payment that's due, when the truth is I got the car and I got insurance through them but then found ins on my own cheaper and needed XXXX and the creditor refused to take away that extra amount of money off of my payment monthly on top of that they wouldn't fix the problems it had when I had literally just got it. So I talked to a higher up gentlemen who finally called me and said if I took the car back to lot voluntarily that day which I did that I would be free from the debt of the car... Here it is on my credit report. Last update they made was XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I was attending XXXX XXXX in 2018 when my mother passed away unexpectedly and I needed to withdraw d/t grief. And I was billed for that. I attended next semester. Then when I registered for upcoming semester I was given wrong schedule. I went to registrar and was told I needed to go to financial aid. Financial aid stated that the XXXX scholarship given to XXXX  was taken back from prior semester leaving me a said balance of same. I would not be able to attend classes until paid. So I was told to withdraw. Then I was told I have another balance because I should have withdrawn a day prior. They have put me through the stress of proving my mothers expiration, meeting with advisors, and emailing explanations. Quite recently in my attempt to re enter I was made to repeat the process. Only for them to list a collection on my credit report, taking XXXX points off my score. Score is XXXX now. They billed me and received payment for XXXX semesters in which I only attended XXXX.

Company response to consumer: Closed with explanation