vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/2024 I looked at my XXXX credit reports and saw a collection for a medical debt that I had no knowledge of. I sent a Certified letter to Debt Recovery Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX on XX/XX/2024 a letter to Validate not verify and to send me a signed original contract of this debt, and a contract that I had with their company and proof that they had the right to collect this debt. On XX/XX/2024 I received a letter from Debt Recovery Solutions LLC containing copies of invoices for Accounts XXXX XXXX. These accounts are dated from XXXX, Florida Law for medical debt states that the Statue of Limitation is XXXX years that either the original creditor or collection agency can sue. After receiving this letter I sent once again a Certified letter for Validation and what the Statue of Limitation was in Florida and a contract with my signature and proof that I owed this company and they had XXXX  days upon signing for my letter, and there was No response from them within that XXXX  days. 
According to 15 USC 1681i ( 5 ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( 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 conformation 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 notice, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair, and this company has failed to respond within XXXX  days of notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against National Credit System for their blatant violation of consumer protection laws, specifically regarding the handling of my account. The actions of [ XXXX XXXX XXXX ] have not only disregarded my rights but have also resulted in significant harm to my financial standing and reputation.

1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), National Credit System is mandated to provide validation information upon request. However, despite multiple requests, they have failed to furnish me with any validation information pertaining to the alleged debt they have placed on my consumer report. This neglect violates my right to verify and validate the accuracy of the debt, as outlined in consumer protection laws.

2. Denial of Dispute Process Opportunity : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute the validity of a debt directly with the collection agency. However, National Credit System has denied me this opportunity by not providing a clear and accessible dispute process. This denial further infringes upon my rights as a consumer under federal regulations.

3. Utilization of False, Misleading, and Deceptive Means : National Credit System has resorted to false, misleading, and deceptive practices in their attempts to collect the alleged debt. Such tactics not only violate ethical standards but also contravene consumer protection laws designed to safeguard individuals from unfair and deceptive debt collection practices.

4. Violation of Disclosure Requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), National Credit System is obligated to furnish all necessary disclosures before reporting any account to consumer reporting agencies. However, they have neglected to provide me with the required disclosures, thereby violating federal regulations and compromising the accuracy of the information reported to consumer reporting agencies.

In light of the aforementioned violations, I demand immediate cessation of all collection activities related to my account and the removal of any derogatory information reported to consumer reporting agencies by National Credit System. Additionally, I request a thorough investigation into the practices of National Credit System to prevent further harm to consumers.

I expect prompt action to rectify these grievances and ensure compliance with consumer protection laws. Failure to address these issues adequately will compel me to pursue further legal recourse to protect my rights as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting and Violation of 15 USC 1692g - Account with SBNASELFLNDR ( XXXX ) Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against SBNASELFLNDR regarding the inaccurate reporting of a paid-in-full collection on my credit report. I believe this action may be in violation of the Fair Debt Collection Practices Act, specifically Section 15 USC 1692g. The details of the account in question are as follows : Account Information : Account Name : SBNASELFLNDR Account Number : XXXX Account Type : Secured Loan Responsibility : Individual Date Opened : XX/XX/2022 Status : Paid, Closed. 
Status Updated : XX/XX/2022 Original Balance : {$720.00} Balance : - Despite the account being marked as " Paid, Closed '' since XX/XX/2022, it has not been removed from my credit report. This inaccurate reporting is adversely affecting my credit score and financial standing.

I would like to draw your attention to the Fair Debt Collection Practices Act, specifically Section 1692g, which states : 15 USC 1692g - Validation of Debts ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; and ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the XXXX period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer, and a copy of such verification or judgment will be mailed to the consumer by the debt collector.

I am requesting a thorough investigation into this matter and the immediate removal of the inaccurate information from my credit report in accordance with the Fair Debt Collection Practices Act. I believe such action is necessary to ensure the fair and accurate representation of my credit history.

I have attached supporting documentation, including proof of payment and closure of the account. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
On I made a charge on XXXX XXXX for {$2300.00}. I did not to this day receive any merchandise. I disputed the transaction with Apple because I dont have the merchandise. They sided against me based on the merchant providing no real evidence. Merchant uploaded tracking to a city far away from me that is clearly not me and XXXX of his other customers This is unacceptable I now have neither the funds not the merchandise

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: NCD Financial, LLC
State: CA

Complaint narrative:
NCD Financial LLC located in XXXX XXXX, Idaho is continuing to report late payments on my consumer report in violation of 15 USC 1681 2 ( A ) ( i ) Exclusions from a consumer report, which clearly states : The consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. This is how the law has been interpreted in XXXX XXXX : A late payment is considered a consumer transaction punishable with a late fee, not by reporting negative information on the consumer 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX, I mail my dispute letters to TransUnion via certified mail ( Certified Mail Tracking Number XXXX XXXXXXXX ) asking for validation of debt per 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) and 15 U.S. Code 1692g. All I have received back is the debt is verified with no proof and sending stall letters saying I'm not a real person sending in the letters. They keep mailing me a balance statement with a breakdown without proof of my wet signature.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I requested a copy of the 1099-C form Creditor filed with the IRS. On XX/XX/year> an letter was mailed to XXXX XXXX XXXX, certified mail and return sender ( USPSCM # XXXX ) requesting the copy of 1099- C Form.

Not only is this company committing security fraud, but they are committing tax fraud as well. While I have NOT received the copy of the 1099-C Cancellation of debt form that XXXX XXXX XXXX filed with the IRS. It is important to rectify this situation promptly to avoid potential tax implications and to ensure accurate reporting on my consumer report. Why are are they witholding the copy of the 1099 - C, and why wasn't a copy sent to me as soon as filing with the IRS? I am requesting XXXX XXXX XXXX  to send me the requested documents per my request immediately. I am also requesting your company to cease requesting payments on an account that has been canceled debt. It is important to align with the FCRA, and IRS guidelines and accurately reflect the cancellation of debt status to avoid any further confusion or potential legal issues. 

They have sold this debt to a third party XXXX XXXX XXXX this is a violation ( 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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested a copy of the 1099-C form Creditor filed with the IRS. On XX/XX/24 an letter was mailed to XXXX XXXX XXXX, certified mail and return sender ( USPSCM # XXXX ) requesting the copy of 1099- C Form.

Not only is this company committing security fraud, but they are committing tax fraud as well. While I have NOT received the copy of the 1099-C Cancellation of debt form that XXXX XXXX XXXX filed with the IRS. It is important to rectify this situation promptly to avoid potential tax implications and to ensure accurate reporting on my consumer report. Why are are they witholding the copy of the 1099 - C, and why wasn't a copy sent to me as soon as filing with the IRS? I am requesting XXXX XXXX XXXX to send me the requested documents per my request immediately. I am also requesting your company to cease requesting payments on an account that has been canceled debt. It is important to align with the FCRA, and IRS guidelines and accurately reflect the cancellation of debt status to avoid any further confusion or potential legal issues. 

They have sold this debt to a third party XXXX XXXX XXXX this is a violation ( 15 USC 1681eb.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested a copy of the 1099-C form Creditor filed with the IRS. On XX/XX/24 an letter was mailed to XXXX XXXX XXXX, certified mail and return sender ( USPSCM # XXXX ) requesting the copy of 1099- C Form.

Not only is this company committing security fraud, but they are committing tax fraud as well. While I have NOT received the copy of the 1099-C Cancellation of debt form that XXXX XXXX XXXX filed with the IRS. It is important to rectify this situation promptly to avoid potential tax implications and to ensure accurate reporting on my consumer report. Why are are they witholding the copy of the 1099 - C, and why wasn't a copy sent to me as soon as filing with the IRS? I am requesting XXXX XXXX XXXX to send me the requested documents per my request immediately. I am also requesting your company to cease requesting payments on an account that has been canceled debt. It is important to align with the FCRA, and IRS guidelines and accurately reflect the cancellation of debt status to avoid any further confusion or potential legal issues.

They have sold this debt to a third party XXXX XXXX XXXX this is a violation ( 15 USC 1681eb.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BARCLAYS BANK DELAWARE
State: PR

Complaint narrative:
The company is imposing restrictive approaches in customer service practices that force customers to resign with no fair justification to their right of freedom of speech towards the State and Federal Reserve System along with imposed recordings with no alternatives to satisfy needs

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 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Midland Credit Management for their blatant violation of consumer protection laws, specifically regarding the handling of my account. The actions of Midland Credit Management have not only disregarded my rights but have also resulted in significant harm to my financial standing and reputation. 

XXXX. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), Midland Credit Management is mandated to provide validation information upon request. However, despite multiple requests, they have failed to furnish me with any validation information pertaining to the alleged debt they have placed on my consumer report. This neglect violates my right to verify and validate the accuracy of the debt, as outlined in consumer protection laws. 

XXXX. Denial of Dispute Process Opportunity : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute the validity of a debt directly with the collection agency. However, Midland Credit Management has denied me this opportunity by not providing a clear and accessible dispute process. This denial further infringes upon my rights as a consumer under federal regulations. 

XXXX. Utilization of False, Misleading, and Deceptive Means : Midland Credit Management has resorted to false, misleading, and deceptive practices in their attempts to collect the alleged debt. Such tactics not only violate ethical standards but also contravene consumer protection laws designed to safeguard individuals from unfair and deceptive debt collection practices. 

XXXX. Violation of Disclosure Requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), Midland Credit Management is obligated to furnish all necessary disclosures before reporting any account to consumer reporting agencies. However, they have neglected to provide me with the required disclosures, thereby violating federal regulations and compromising the accuracy of the information reported to consumer reporting agencies. 

In light of the aforementioned violations, I demand immediate cessation of all collection activities related to my account and the removal of any derogatory information reported to consumer reporting agencies by Midland Credit Management. Additionally, I request a thorough investigation into the practices of Midland Credit Management to prevent further harm to consumers. 

I expect prompt action to rectify these grievances and ensure compliance with consumer protection laws. Failure to address these issues adequately will compel me to pursue further legal recourse to protect my rights as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
For the past few months Ive been constantly lied to by PNC Bank in reference to closing the Money Market Account with a zero balance that was put on hold due to PNCs Imaginary fraud games. So a new account was open now all of a sudden there are some unsettled disputes on that account. And I called in on Sunday XXXX to discuss this matter. However someone from a third world country acting as a call representative to whom once again dont know in the world of a basic customer service need. I then gets transferred to a U.S. Live Agent to whom played games by claiming that she needed various verifications. However my password was presented in which by PNCs own admission is valid. Then Im asked to verify a texted password and Im asked questions about the dispute and then Im asked for my address and phone number in which is totally ridiculous games. So please investigate these con artists to whom are using spiteful tactics because theyre being investigated for fraud concerning my late mother XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
More than 10 years ago I opted into American Express pay over time on my charge card for purchases over {$250.00}. In XXXX I realized my balance was ballooning and I couldnt understand why my balance that I was paying down, was increasing despite supposedly paying what I thought was my monthly pay in full balance on purchases under {$250.00}. I contacted the company in XX/XX/XXXX and was told that they made the pay over time limit {$100.00} effective in XX/XX/XXXX without notifying me. Furthermore, this was not apparent anywhere on the mobile site, effectively driving up my pay over time balance at ever-increasing interest rates and during the height of the pandemic when my purchases were by charge card so that I could avoid using my debit card for internet purchases of items I would have otherwise used cash/debit card if I could have made the purchases in-store. The idea that this predatory practice was supposed to be providing financial relief was a total farce. In fact, I believe it was directly in response to me paying over my minimum payments as a way to reduce my overall debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX there are XXXX credit inquiries that I didnt agree to and there are XXXX in one month. I havent done business with XXXX in four years. I havent applied for a loan with XXXX XXXX XXXX since XXXX, I have no idea who trust dealer services 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 explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc.
State: LA

Complaint narrative:
My mortgage payment in XXXX XXXX and XXXX notes i sent with my payment. Even sent different checks so that it will be applied accordingly.

Company response to consumer: Closed with explanation