vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: NCB Management Services Inc.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account Number : XXXX To Whom It May Concern, This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to cease all communication with me regarding the above-referenced account. This request applies to any and all forms of communication, including but not limited to telephone calls, text messages, emails, letters, and any other medium of communication. Additionally, this directive explicitly includes any communication via my consumer report, as defined by the term " communication '' within the meaning of 15 U.S.C. 1692a ( 2 ).

As per the FDCPA, once a debt collector receives a written request to cease communication, they are required to comply, except to notify the consumer that further collection efforts are being terminated or that specific actions may be taken as allowed by law. Any further communication in violation of this request will be reported to the appropriate regulatory agencies, and I will pursue all available legal remedies.

This letter is not to be construed as an acknowledgment or validation of any alleged debt. Please provide written confirmation that you have received and will comply with this cease-and-desist request. 

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX All Rights Reserved Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally file a complaint against the Credit Card Application Center of Bank of America regarding their unprofessional service and inability to process my application. 

On XXXX, I contacted the Bank of America Credit Card Application Center to complete a credit card application. Unfortunately, the representatives I interacted with exhibited a lack of professionalism and failed to provide the assistance required to complete my application. Despite following all necessary steps and providing the requested documentation, my application was not processed, and I was left without any explanation or resolution.

This poor service has caused me significant inconvenience and frustration. I expect a financial institution as reputable as Bank of America to ensure its employees are adequately trained and capable of assisting customers in a professional and efficient manner. 

I kindly request your assistance in investigating this matter and ensuring that Bank of America addresses these service shortcomings. Customers should not have to face such challenges in managing their financial needs. 

Thank you for your time and attention to this matter. I look forward to hearing about the resolution. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I use Venmo to purchase and transfer crypto currency for these online games I play. My last XXXX transactions were flagged and held by venmos AI run system which means they hold the funds from me for 5 days. When I request support they say there is nothing they can do. Each time I buy the crypto and go to transfer it I pay a fee for each transaction. They happily take my fee but my transaction is not completed in full due their system hold. I requested a refund of the fees since their platform did not perform as promised and have been denied each time in the basis that its not a Venmo fee. Well it is, they make a profit off the transaction and its their system that keeps the transaction from completion. An AI should not govern in totality the transaction. I understand the need for security and quality control but holding peoples money after collecting a fee for a transaction that was never completed due solely to their own system is robbery, fraud and misrepresentation of what I am paying the fee for. I am not paid interest in the amount withheld or refunded even a portion of the fee. I works hard for my money and institutions like XXXX and Venmo have no right to withhold funds or collects fees for transactions that are never completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I received a credit card in the mail with my name and address. I looked into it and there was a hard inquiry from them ( Citibank ) on my credit report. I immediately called them and told them I did not request this card and I want it deleted and my credit report clean up from their inquiry.

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 2024-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit history is longer than 4 years. Check my XXXX XXXX card and the information will speak for itself. I have this card since 2001 which is 23 years. 
Please advise!

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 2024-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
I have reached out to MOHELA on several occasions when I can actually get through to someone despite long wait times. Each time to speak with someone about removing a voluntary forbearance, I am assured it will happen, and the interest accrued will be reversed, months later it still has not happened. I am on the SAVE plan so I should be automatically enrolled in the general interest free forbearance but that has not been done.

Mohela has told me so much conflicting information each time I speak with them. First when I spoke with them they directed me to XXXX  and stated they needed to resolve the interest refund. Then when I spoke with XXXX, they directed me back to the servicer saying there was nothing they could do. Then, I was told they just needed to remove the forbearance ( which would take 10 days ) and I would be refunded and now 2 months later it still has not happened. 

I reached out to the AGO. They told me XXXX XXXX. XXXX  XXXX instructed servicers not to effectuate the 0 % interest SAVE forbearance until such voluntary forbearances ended. This information is shared NOWHERE for borrowers to see and understand. They also told me there was nothing they could do and then directed me to lodge a complaint here. 

I am in an extremely difficult position where it appears this servicer has customer service agents that are uniformed and misdirecting me and also not changing my forbearance status despite my multiple requests. Their website has never directed me that I was supposed to remove my voluntary forbearance, it states I would be automatically enrolled into the interest free general forbearance. The communication and direction I am receiving is fraudulent and purposely misleading it seems. It needs to be resolved now. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint to formally dispute the reporting of a charge-off account by XXXX XXXX XXXX Account Number : XXXX XXXX, Amount Due : {$2500.00}, total {$13000.00} on my credit report. This reporting is in violation of federal laws, and I am requesting the immediate removal of this account from my credit file for the following reasons : 1. Failure to Issue a 1099-C Form Under IRS regulations , when a debt is charged off and considered " canceled '' or " forgiven, '' the creditor is required to issue a 1099-C form to the debtor, as this cancellation may be treated as taxable income. In this case, XXXX XXXX has reported the debt as charged off on my credit report but has failed to issue the required 1099-C form to me.

The absence of this form raises questions about the legitimacy of the charge-off reporting and whether the account has been properly processed in accordance with federal tax and credit reporting regulations. Without the 1099-C form, the debt has not been properly " canceled '' and, therefore, should not be reported as a charge-off.

2. Violation of 15 U.S.C. 1681-2A ( i ) : Reporting Income on a Credit Report The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681-2A ( i ) explicitly limits the types of information that can be reported on a credit report. Income or transactions that reflect income, such as a charge-off that may be deemed canceled debt, should not be reported as part of a consumer 's credit file.

A charge-off that is reported without proper documentation, such as a 1099-C, creates an inaccurate and misleading depiction of my financial history. Reporting such income-like entries on my credit report is not only misleading but also appears to contravene the intent of Congress as outlined in the FCRA.

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 2024-12-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint to formally dispute the reporting of a charge-off account by XXXX XXXX XXXX Account Number : XXXX XXXX, Amount Due : {$2500.00}, total {$13000.00} on my credit report. This reporting is in violation of federal laws, and I am requesting the immediate removal of this account from my credit file for the following reasons : 1. Failure to Issue a 1099-C Form Under IRS regulations , when a debt is charged off and considered " canceled '' or " forgiven, '' the creditor is required to issue a 1099-C form to the debtor, as this cancellation may be treated as taxable income. In this case, XXXX XXXX has reported the debt as charged off on my credit report but has failed to issue the required 1099-C form to me.

The absence of this form raises questions about the legitimacy of the charge-off reporting and whether the account has been properly processed in accordance with federal tax and credit reporting regulations. Without the 1099-C form, the debt has not been properly " canceled '' and, therefore, should not be reported as a charge-off.

2. Violation of 15 U.S.C. 1681-2A ( i ) : Reporting Income on a Credit Report The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681-2A ( i ) explicitly limits the types of information that can be reported on a credit report. Income or transactions that reflect income, such as a charge-off that may be deemed canceled debt, should not be reported as part of a consumer 's credit file.

A charge-off that is reported without proper documentation, such as a 1099-C, creates an inaccurate and misleading depiction of my financial history. Reporting such income-like entries on my credit report is not only misleading but also appears to contravene the intent of Congress as outlined in the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
I reported this to the XXXX P.D department as fraud.I noticed a account was put in my name from XXXX that was mine. I never had a phone account with them.I have been staying in Louisiana for XXXX years and this account was fraudulent opened in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/year> I filed a dispute with Truist Bank about my debit card being stolen and two fraud charges being made to my account. A charge for {$2900.00} and a charge for {$2900.00} totaling {$5800.00}. I received a letter only acknowledging the fraud charge for {$2900.00}. My account has been closed, and my online access has been revoked, so there is no way for me to attempt to have my claim updated. 
I am writing this complaint requesting that this claim be governed for constructive fraud being caused by Truist Bank staff or system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-22 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I find out new collection account in my credit report with XXXX. 
Account name NATIONAL CREDIT SYSTEMS, account number XXXX, account type : COLLECTION Original name : XXXX XXXX XXXX XXXX, date opened : XXXXAmount {$150.00}.

I have never had any dealings with this company. First of all, I asked them to provide proof that this debt is mine, and they failed to do so. If they can not verify my information, please remove this account from my credit report immediately. I am aware that such requests must be addressed within 30 days. 
If they can verify that this account belongs to me, they should provide the following : the method of verification, the original contract with my signature, and my SSN. Only with such evidence can this account be verified. 
However, I am confident that they can not provide this information because this is not my debt. 
Please REMOVE THIS ACCOUNT from my credit history as it is significantly damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Auto debt
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:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: WI

Complaint narrative:
This account has been submitted as a charge-off. Yet sold to collections, and should be closed and taken off my report. 
Here it is. 

This account was closed on XX/XX/XXXX DISCOVERBANK Last reported XX/XX/XXXX {$1300.00} Reported balance Credit limit {$2000.00} You're using 66 % of your account 's limit OVERVIEW Credit limit {$2000.00} Minimum monthly payment -- Opened XXXX XXXX, XXXX ( 3 yrs, 8 mos ) PAYMENT HISTORY You've made 79 % of payments on time 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 Current red_status Not current Last payment XX/XX/XXXX Payment status In Collections/Charge-off Amount past due {$1300.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Profit and loss write-off Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO DISCOVERBANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
Among other things, it requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer reports. 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I have a charge of on my credit report that shows incorrect information. I never received 1099 abbout this account so that information is incorrect since it can not show a balance on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
The credit card company JP Morgan chase keeps reporting on my credit report for a credit card! It is inaccurate as it is reporting as a profit or loss/writeoff. I never received a 1099 form! It is a violation of my rights because I have not been provided with a 1099 form. It is fraud to report a debt as a profit or loss and not produce a copy of their write off! The 1099 profit or loss has to be reported to the IRS and without my copy of that form from this company it is a violation of my rights as well as fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to disputed account on my credit report that were made without my consent. According to section 604 OF THE FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT REPORT. i DID NOT AUTHORIZE THESE ACCOUNT AND CAN NOT FIND ANY PERMISSSIBLE PURPOSE UNDER THIS SECTION THAT JUSTIFIES THEIR PRESENCE ON MY CREDIT REPORT.

PLEASE DELETE ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER 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 2024-12-22 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : - 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION INFORMATION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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