vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rubin & Rothman, LLC
State: CT

Complaint narrative:
I was served court papers before receiving anything stating the account was transferred to the collection agency, before receiving anything stating what my rights are, before receiving anything at all. I then called the collection agency and they admitted they did not send me any of this info. I submitted a complaint to CFPB. After the complaint I received a document in the mail asking for more information my status for financial hardship from the debt collector. I sent letter stating they violated my rights and I would not be sending anything and stated the reasons why. I also ordered a cease and desist. The debt collector then cancelled the lawsuit they filed against me. The phone calls didn't stopXXXX XXXX XXXX XXXX later I am served with yet another court document stating I am being sued from the same debt collector for the same account. Still, they never sent me anything as before. It doesn't matter if they did anyway because the first ever communication I ever received from them is documents for lawsuit which violates the Fair Debt Collections Practices Act. In fact all of their actions have violated my rights under that act. They messed up and they know they messed up. The process doesn't start over just because they were caught in their XXXX up. I am XXXX XXXX XXXX XXXX. This is taking a toll on me and needs to be stopped now.

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 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 non-monetary relief
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
I have sent over information to Transunion several times to verify some invalid accounts that are reporting to my reports and they are still reporting this inaccurate information.

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 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I formally request that you remove my name from the list of your debtors, I never had anything to do with XXXX XXXX XXXXXXXX, you claim of debt may be through Identity Theft. Please provide validity of debt with my name and my signature.

Thanks sincerely for attending to the circumstances

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year> I accidentally made a double payment towards my auto loan with USAA. The morning of the XXXX of XXXX I noticed my automatic payment for my car loan didnt come out on the XXXX so I manually made a {$1200.00} payment towards the loan. Shortly after that my automatic payment of {$1200.00} came out of my account. I called the bank on the XXXX of XXXX and notified them of the issue and asked to have my payment of {$1200.00} to be returned or reversed and they notified me that they will have to dispute it and and that investigation will take XXXX business days. On XX/XX/year> they notified me through documents that they will not be able to reverse my payment because it will make my loan account negative and that is not true. My car payments are due the XXXX of every month as of now with the double payment my next loan payment is XX/XX/year> refunding my money will put my next loan payment on track of XX/XX/year>. I have talk to multiple people at USAA informing them of the issue and I have been there is nothing more they can do and I am not settling for that answer

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
Upon reviewing my Credit Report I have a charged off account from TOWER LOAN OF MS that is in accurately reporting to my consumer credit profile. Upon calling TOWER LOAN to inquire about the reason why the charged off account was reporting differently I was aggressively berated, called stupid, told I need to go back to school and called a thief. When I simply just wanted to know Why it is reporting differently on my Credit profile. 

I have no idea how they obtained my information I only recieved a check in the mail meaning a company I never heard of ran my credit without my knowledge and made me an offer violating USC 1681 ( q ) My XXXX credit report has payments issued in XXXX, XXXX, and XXXX, of 2023 My XXXX Report has no payments made My XXXX Report has no evidence of this debt upon disputing this pursuant to 15 usc 1681i I requested this be removed from my consumer report and was berated for it when I informed the agent for Tower Loan that the IRS considers charge offs income so it looks like they are trying to get paid twice for the same account, I was called stupid and a thief again. 

This debt is a clear violation of the Fair Credit Reporting Act, and the Truth in Lending Act, as well as the Fair Debt Collection Practices Act because TOWER LOAN Issued a court summons in 2023 and then charged off the debt in an attempt to be paid twice for the same debt they received income for according to the IRS Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2024-05-09 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 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/year>

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 2024-05-09 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 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
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : LOANDEPOT Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
In XXXX, I submitted a query to the loan processing company inquiring why there was an additional {$13.00} " late fee '' on my mortgage statement. After considerable time passed, they explained it was for an appraisal fee on the house I purchased in XX/XX/23, and the loan was being transferred to their organization. They included a copy of the appraisal inspection report, which was rife with untruths, and which ignored the fact that I had already paid a considerable fee at closing for a thorough appraisal. I find it impossible to speak to anyone at the " NewRez - Shellpoint '' company. Their websites make it very difficult to get contact information that actually leads to human interaction and does not include an email link for concerns/complaints. I made it clear to them in today 's letter that the sum of {$13.00} is not devastating to me, but am appalled that they, XXXX. had an appraisal without my knowledge ; 2. added {$13.00} to my statement with no explanation, 3. Apparently ignored a very detailed appraisal that had been done prior to closing, and, 4. Unquestionably accepted an appraisal that had untruths in it, including a statement that the appraiser was not allowed in by a " relative '' ( I was not in the State at the time, and there was no one at the house ), XXXX Appraised the house inaccurately, as per the original XXXX XXXX, XXXX XXXX, and original Appraisal Report. I find this kind of corporate deception unacceptable and hope that you'll agree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
Since XX/XX/XXXX, I have contacted Flagship Credit, demanding that they report my account ( XXXX ) correctly with XXXX, XXXX, and XXXX. 

Despite my paying my loan on time every month since XX/XX/XXXX ; Flagship is not reporting my monthly on-time payments correctly each month.

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 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to dispute the late payment entries on my Capital One credit card account, as reported on my credit report. The details of the account in question are as follows : Creditor : Capital One Account Number : XXXX XXXX : Account Type : Revolving account Account Status : Open Monthly Payment : {$200.00} Date Opened : XX/XX/XXXX Balance : {$4900.00} High Credit : {$5000.00} XXXX XXXX : {$4500.00} Payment Status : Paid or paying as agreed Last Reported : XX/XX/XXXX XXXX : Account Type : Credit Card Account Status : Open Monthly Payment : {$200.00} Date Opened : XX/XX/XXXX Balance : {$4900.00} High Credit : {$5000.00} XXXX XXXX : {$4500.00} Payment Status : Current, was past due 90 days Last Reported : XX/XX/XXXX XXXX : Account Type : Revolving Account Status : Open Monthly Payment : {$200.00} Date Opened : XX/XX/XXXX Balance : {$4900.00} High Credit : {$5000.00} XXXX XXXX : {$4500.00} Payment Status : Pays account as agreed Last Reported : XX/XX/XXXX I acknowledge that there were late payments on my Capital One credit card account in the past. However, I want to bring to your attention that I have since caught up on all payments and have not missed any payments thereafter. 

I take my financial responsibilities seriously, and I have made significant efforts to rectify any past delinquencies. I have established a consistent payment schedule and have been diligently making payments on time to maintain a positive credit history. 

Please investigate this dispute and provide me with written documentation of the results. I appreciate your attention to this request and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of grave concern regarding fraudulent practices at the XXXX XXXXXXXX XXXX XXXXXXXX, particularly concerning student loans. As an agency dedicated to protecting consumers from financial exploitation and ensuring fair treatment in the financial marketplace, I trust that you will investigate this issue with the utmost urgency and diligence. 

The XXXX XXXX XXXX XXXX has been engaging in deceptive practices that have directly impacted numerous students and their financial well-being. Specifically, the institute has been implicated in fraudulent activities related to student loans, including but not limited to : 1. Misrepresentation of Loan Terms : Many students have reported that the XXXX XXXX XXXX XXXX misled them about the terms and conditions of their student loans. This includes false promises regarding interest rates, repayment options, and eligibility for loan forgiveness programs. 
2. Falsification of XXXX and XXXX Records : There is evidence to suggest that the institute has falsified enrollment and attendance records to fraudulently obtain federal student aid on behalf of students who may not have been actively attending classes or who were enrolled in programs that did not meet federal eligibility criteria. 
XXXX. Failure to Provide Adequate Educational Services : Despite charging exorbitant tuition fees, the XXXX XXXX XXXX XXXX has failed to deliver quality educational services to its students, leaving many graduates with substantial debt and inadequate skills to secure gainful employment in their chosen fields.

4. Predatory Lending Practices : The institute has been accused of engaging in predatory lending practices, targeting vulnerable students with high-pressure sales tactics to encourage them to take out loans without fully understanding the financial implications. 

These fraudulent practices have had devastating consequences for students who trusted the XXXX XXXXXXXX XXXX XXXXXXXX to provide them with a quality education and support their career aspirations. Many graduates are now burdened with crippling debt and struggling to repay loans for degrees that have not yielded the promised benefits. 

I urge the Consumer Financial Protection Bureau to launch a thorough investigation into the XXXX XXXX XXXX XXXX 's student loan practices and take decisive action to hold the institution accountable for its misconduct. Additionally, I request that measures be taken to provide relief and assistance to affected students, including loan forgiveness and restitution for damages incurred. 

Thank you for your attention to this matter. I remain hopeful that the Consumer Financial Protection Bureau will take swift and decisive action to protect the rights and interests of students who have been victimized by fraudulent practices in the higher education sector.

Company response to consumer: Closed with explanation