vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Law Office of Michael J. Scott, PC
State: GA

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX ___________________________________ Scott and Associates XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX - XXXX RE : ACCOUNT XXXX File # : XXXX Dear XXXX XXXX, I am continually being called on the telephone by your firm over an alleged debt. Im sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence by writing or email. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiffs debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled that reporting a collection account indeed is considered collection activity. 

While I preferred not to litigate, I will use the course as needed to enforce my rights under the FDCPA. 

I look forward to a speedy resolution of this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: Experian Information Solutions 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.

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 explanation
Consumer complaint received 2024-03-22 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: MO

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my 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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MS

Complaint narrative:
I have contacted Chime multiple times for disputes against XXXXXXXX XXXX charging my account 3 times per order. I received some of my money however XXXX disputes remain unresolved after receiving approval emails and credits never being posted. I have made XXXX phone calls for dispute numbers XXXX & XXXX. I have been a customer of Chimes for years even had my son open an account. I hadnt had a problem until now. I do not know what changed but we are both about to change banking services. This is ridiculous and I am completely out of patience. My first call was XX/XX/XXXX ; XXXX call XX/XX/XXXX ; XXXX call XX/XX/XXXX and XXXX call XX/XX/XXXX ( today ). Someone needs to post both credits to my account immediately. XXXX for {$23.00} and the other for {$60.00}. I should be compensated for the time and inconvenience of missing lunch and canceling my card to receive a new one. We are a whole month later and I am still dealing with the same issue. I also asked for a copy of the escalation ticket however I was only given the number XXXX. I have called again today XX/XX/XXXX only to be read the same script with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America NA, XXXX CA is asking me to send them a wire every month for next 1 year to penalize me for XXXX late payments which were paid within a month of the due date but none of the payments were over a month late. I work Monday to Friday and am unable to go to the bank to do the wire every month. I would like them to do automated payments through my bank account. I am on the XXXX year of mortgage payments. Also they sent me a letter saying that my automated payments have been cancelled on my request. I never contacted them to stop the automated payments. they choose themselves to stop the automated payments because of their internal policy

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
Ford Motor XXXX XXXX of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., FDCPA, and Pennsylvania XXXX I am writing to file a formal complaint against Ford Motor Credit, located at XXXX XXXX XXXX, XXXX, XXXX XXXX, for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections XXXX XXXX. XXXX ( a ) and XXXX XXXX. XXXX, among others as well as the FDCPA and Pennsylvania XXXX. 

XXXX XXXX XXXX has inaccurately reported an account on my credit report as charged-off and closed by the credit grantor. However, this account was charged off and subsequently sold to a debt collector. Given that XXXX XXXX XXXX XXXX XXXX owns this account and has been compensated for it, the persistence of this trade line on my credit report is incorrect and misleading. 

Additionally, the reported charge-off amount is erroneous. Prior to XX/XX/2021, I had made substantial payments towards this account, which are not reflected in the reported balance. This misrepresentation has unjustly impacted my XXXX XXXX and financial standing. 

Pursuant to XXXX XXXX. XXXX ( a ), XXXX XXXX XXXX XXXX XXXX to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under XXXX XXXX. XXXX, as a consumer, I have the right to dispute the completeness or accuracy of the information in my credit report, compelling Ford Motor Credit to rectify any inaccuracies found. 

Ford Motor Credit 's refusal to amend this inaccurate trade line despite my disputes and supporting documentation violates these FCRA provisions. This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system. 

I request the Consumer Financial Protection Bureau to intervene in this matter and compel XXXX Bank to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting multiple names and addresses and credit accounts on my credit report that are not mine and not accurate or non verifiable. attached is a copy of my government id letters that i sent to correct my personal info as XXXX NAME AND ADDRESS along with the accounts that are not mine. Please delete this non verifiable information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2024-03-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
hard inquiry XXXX OF XXXX Bank XX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX OF XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I have had a debt purchasing company claim that i owe over XXXX XXXX dollars to them due to a profit/loss write off by the previous credit card company named XXXX XXXX XXXX XXXX This has been previously disputed and removed from my credit report due to activity being Fraudulent and not done by myself. The Credit Bureaus have removed this from my report multiple times due to missing documentation. Until now when CKS Prime Investments purchases the written off bad debt from fraud and they proceed to call me, my wife, my parents in another state, my previous employers and tell them they really need to talk to me over this legal matter and what im doing is against the law. They specifically told my father the amount i owed and asked if he could make a payment to keep me from being sued and possibly going to jail on criminal charges. They represented themselves as a legal firm and they asked XXXX members of my family who live far away from me " What all property does he own and have at his residence. '' This has been resolved several times previously and removed from my report. CKS prime investments has now filed a lawsuit against me but i am unable to receive the paperwork due to the person comes during mid day when im working and will not leave a contact # for me to meet them after work. They filed the suit electronically so i assume they will not be in court for me to even speak with about this matter. They have broken multiple financial, credit reporting laws with there collection formats as well as they have never sent me a single letter explaining the debt after i request it then the credit bureau removes it from my report and a few months later they add it back on with different amounts.just changing name abbreviation to CKS LAW & CKS PI.

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 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Capital One XXXXXXXX  card. The card has a high-interest rate. I transferred the balance to a new card. The XXXX card had a {$0.00} balance. The balance of {$4200.00} was paid on XX/XX/XXXX. 2024. I was charged {$61.00} in interest on XX/XX/2024. I called Capital One on XX/XX/2024, to request the fee be waived. The refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE NOR DO I HAVE ANY AFFILIATION WITH. I CONTACTED THE CREDIT BUREUAS REQUESTING VERIFICATION, AND THIS ACCOUNT IS UNVERIFIABLE. 
THIS ACCOUNT BE FURNISHED TO MY PROFILE IS SEVERLY AFFECTING MY CREDIT. 

I HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS ACCOUNT OR CREDIT INQUIRIES TO BE REPORTED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURNISHING FRAUDULENT ACCOUNT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC
State: SC

Complaint narrative:
Refuse to file medical bill to insurance. Improper billing. Excessive fee for Covid 19 test. They did not file bill to XXXX and are charging an outrageous amount for a Covid 19 test

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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My checking account ( XXXX ) was held by PNC Bank. On XXXX the account was hacked and a total of {$36000.00} was fraudulently withdrawn to payoff a credit card unauthorizes transactions. 
After many weeks of bureaucratic procedures the bank returned a total of {$34000.00}. A balance of {$2500.00} hasn't returned yet. It has been almost a year now and it appears the bank ignores my request to have my money retuned in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MN

Complaint narrative:
To Whom it May Concern, I am writing to ask for a review of my qualifying payments under the Public Service Loan Forgiveness program ( PSLF ). My loan is currently being serviced by MOHELA and I have been approved into the PSLF program.

My employment has been certified for PSLF as follows : Approved Employer BEGIN DATE END DATE 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  Currently, when looking at my loan record in studentaid.gov, this results in a qualifying payment count of XXXX toward the required XXXX for PSLF. I am writing because this total is incorrect. There are dates missing in studentaid.gov that are simply missing. Throughout my qualified employment I did have periods where my loan was deferred or in forbearance, however, in addition to these periods, there are some dates when my student loans were being repaid that are simply missing. During the period from XXXX nothing has been tracked yet I worked for a qualified employer and I was making payments on my loan. It seems like my loan disappears into the ether during this time. 

I have called everyone I can think of, student aid, all my former servicers. I have repeatedly called Mohela for help and no one seems able to track down these missing 13 payments. As far as I can tell, XXXX consolidated my loan but neglected to start tracking it until 13 months after they took over as my processer. 

I really need credit for these months. They are a 10th of the progress I need to achieve student loan forgiveness. I dont know where to turn to figure out how to receive credit for these missing months. Please can you assist? 

Sincerely, XXXX 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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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