vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
RE : MIDLAND CREDIT ACCT : XXXX It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. 

In order that I can make arrangements to pay an obligation which I may owe, please document and verify the " debt '' by complying in good faith with this request for validation and notice that I dispute part of, or all of the allege debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judge 's inspection should there be a trial to contest these matters.

2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.

3. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding that alleged debt.

4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. 

5. Please verify under the penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable, unless the party to whom that contract is extended could have rejected the clause without impunity.

6. Please provide verification from the stated creditor that you are authorized to act for them.

7. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment. 

I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for that account listed above. 

Under the Fair Credit Reporting Act ( FCRA ), unverified, invalid accounts must be removed. 

If you are unable to provide this to me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once removed the account from credit reports. I demand the account be validated or removed immediately.

The law is very clear as to the Civil liability and the remedies available to me for the " negligent noncompliance '' ( Section 617 of the FCRA ) if you fail to comply with this Federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
I qualify for XXXX Loan Forgiveness for up to {$17000.00} -- I have XXXX XXXX for XXXX XXXX  years at a XXXX XXXX I submitted my application, but because the XXXX department in my county misspelled XXXX XXXX XXXX, I was denied. I fixed the form and resubmitted and it was immediately denied. 

I called and tried to contact the loan servicer -- often spending over an hour on the phone due to wait time and them transferring me. I was told everything was processed, but the 90 day threshold for approval came and went so I called back. I was told it was still being processed, but each month they take processing this loan is XXXX  of dollars in interest that keeps racking up. Someone from my XXXX  who meets the criteria and has been here the same amount of time as me had his loans ( up to XXXX ) forgiven. 

Once the forgiveness has been applied, I can pay off almost all of what I owe and move on, but for now I am stuck in limbo and is becoming more and more expensive by the day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been scammed by some serious professionals. 

I purchased tickets from the XXXX XXXX for a play for {$170.00} - a company called XXXX managed to steal my personal information and make a charge for {$540.00}. I dont know how cyber scams work but they managed to do a really good job because Chase thinks its legitimate, even though it isnt. That is the goal of scammers, right? To make it look real so XXXX cant do anything about it. I was so scared that I finished my legitimate purchase through a private browsing window and called Chase right away to tell them I didn't make or authorize that charge. 

I tried emailing the company for the {$540.00} charge and told them I didnt make a purchase through them and I want my money back. They never responded. I tried calling, they never answered the phone. I called again today and they claim that I did make a purchase through them and that they sent me tickets. I did not make a purchase through them and they did not send me any tickets. All they did was successfully steal my personal information to scam me out of {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has extended to me an invitation to apply for a Quicksilver credit card, citing their appreciation for my loyalty. The pre-approved offer includes a one-time bonus not of {$200.00}, but rather {$300.00}. In response, I submitted an application. However, my application was subsequently declined, albeit with a counter offer for the same Quicksilver card, but this time without the one-time bonus. 

This experience has proven to be both time-consuming and disappointing, as it appears to be a case of misleading advertising and a deceptive marketing approach. Furthermore, declining the counteroffer without the bonus despite previous pre-approval has resulted in an additional hard inquiry on my credit report. Their explanation : The reason ( s ) for our decision are : Based on your credit report from one or more of the agencies on the back of this letter, length of credit history ... .... As someone endeavoring to responsibly build credit, I find such practices to be deceitful and detrimental. It seems that Capital One, by luring users with false pre-approved invitations, is engaging in questionable business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My personal address is not reporting correctly. I already tried updating it prior but its still not updated. Please update my address on file. I also need all previous addresses removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am being ignored and the FCRA is being disregarded. I have sent my formal notice regarding information that is being reported about me that is inaccurate and has not been fully verified by physical documentation as I requested.

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 2024-04-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
thorough investigation into unauthorized transactions and serious account mismanagement that has occurred on my account ending in XXXX, XXXX, XXXX, XXXX,. As a XXXX woman of XXXX, I am deeply concerned about the security and integrity of my financial information. 

Specifically, I demand immediate answers to the following questions : XXXX. **Unauthorized Address Changes** : Who authorized recent changes to my account 's address without my explicit consent? Provide detailed information on when and by whom these changes were validated.thses cards were issued and not authorized to have been sent out they were issued without my permission and I never gave anyone consent to accept or cash or spend any funds XXXX. **Unauthorized XXXX XXXX : Why were multiple cards issued and activated under my account without my authorization? I need clear documentation of who approved these actions and when. 

XXXX. **Withheld Funds and Payments** : Explain why funds were withdrawn or payments made from my account without my explicit permission or authorization. Provide a detailed account of all transactions and withdrawals made without my consent. 

XXXX. **Negligence and Accountability** : Hold accountable the individuals or parties responsible for allowing these unauthorized actions to occur. What measures will the bank take to prevent such negligence in the future? 

I expect prompt and detailed responses to these inquiries. The lack of transparency and accountability regarding my account 's security and management is unacceptable. I reserve the right to seek legal counsel and escalate this matter further if necessary to ensure the protection of my rights as a consumer. 

Please acknowledge receipt of this letter and provide a clear timeline for when I can expect a comprehensive response to my concerns. 

Thank you for your immediate attention to this urgent matter

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 2024-04-12 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: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: CA

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 inquiries. 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 non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
I did not receive a 1099 tax form. The company has closed my account so I am unable to login and download it. When I call the phone line the automated system tells me to call the new mortgage servicing company because they have transferred my loan to someone else

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc
State: DE

Complaint narrative:
On XX/XX/XXXX, I rented a car in XXXX MI from XXXX XXXX XXXX XXXX and while I paid for the rental fees in advance, few days after after returning the car I noticed that I had an additional separate charge on my credit card for {$150.00}. I tried to call XXXXXXXX XXXX XXXX XXXX to clarify the amount but was put on hold for close to an hour and that happened multiple times. then I contacted my credit card and disputed the amount, my credit card company started a dispute and attempted to contact XXXX XXXX  as well, but they failed, and after 5 weeks, they closed the dispute, and the full amount was refunded to my account. Then on XX/XX/XXXX, I received a letter from Media Collection Inc. DBA Joseph , Mann & Creed , the letter was referring to an amount of {$150.00} which they were trying to collect on behalf of " XXXX XXXX XXXX '' apparently, the owner of XXXX XXXX XXXX XXXX 

The letter simply stated that they are trying to collect a debt that I owe to XXXX XXXX, and they shall use any information I give them to help collect this debt. 

Notes about this mispresented debt : 1- I have never been contacted by the original debt owner directly to clarify this amount 2- The amount which was listed is for Damage waiver and roadside assistance and the related taxes was not approved by me or explained as I had my own insurance. 
3- When I contacted the debt collection agency, they gave me a number to call and suspend the charge with XXXX directly, which I did and was told I shall receive a decision within 24-48. obviously, this didn't happen. 
4- The debt collection agency rep asked me to submit a dispute online which I did on their web portal, and I didn't receive any notification about their final decision as well and my case status 5- on XX/XX/XXXX I called the debt collection agency and asked for the status and was told that the case is closed but I am still in collection, which is unclear to me on really what does that mean and what's the impact to my credit as well as what do I need to do or the next step, and when I asked for clarification from the agent, she just said " you won't be able to rent from them and I will hang up '' I am now left with a mispresented debt which I tried to dispute and get some sense of its authenticity and how I could resolve this matter but was just left with no guidance and at risk of impacting my credit for this minimal amount and a debt owner who is nonresponsive and debt collector who didn't well presents the matter or explain my case to me and try to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
" I am reaching out to address a concerning matter regarding the accuracy of my credit data within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate date that require immediate attention. For matters related to the accuracy of credit reporting, the Fair Credit Reporting Act ( FCRA ) is the relevant law. The FCRA governs the collection, dissemination, and use of consumer credit information, providing consumers with rights to dispute and correct inaccurate information in their credit reports. 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 explanation
Consumer complaint received 2024-04-12 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 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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. 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 non-monetary relief
Consumer complaint received 2024-04-12 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: SC

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 non-monetary relief
Consumer complaint received 2024-04-12 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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 am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XXXX did not provide information regarding the amount of property taxes on the 1098. Their phone system will not allow for me to speak to a live individual. The web site does not allow for me to print 1098.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Have gotten late fees on credit card from floor and decor at XXXX. They received my payment each month on the XXXX or XXXX of the month prior to it being due. When I called I was told that since I paid prior to the XXXX they counted it towards that month rather than the next month and then charged a late fee each month. I feel that I should not be charged a late fee for paying too early. This has been going on for end of XXXX and XXXX

Company response to consumer: Closed with explanation