vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
# # **Re : Dispute of Debt and Request for Validation and Information** Re : Dispute of debt and request for validation and info To : Consumer Financial Protection Bureau Dear CFPB, I am writing to formally dispute a debt of {$110.00} that is being collected by [ Credit Collection Service ] located at XXXX XXXX XXXX XXXX XXXX, MA. I am denying that I owe any debt to this company or the original creditor. 

Furthermore, I believe that [ Credit Collection Service ] has violated several consumer protection laws in their attempts to collect this alleged debt. These violations include : * **12 CFR 1006.34 ( b ) ( 5 ) : ** The debt collector failed to properly inform me of my right to dispute the debt and request validation within the required timeframe. 
* **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** The debt collector 's validation notice did not contain all of the information required by law, including the amount of the debt, the name of the original creditor, and the date of the default. 
* **12 CFR 1006.34 ( d ) : ** The debt collector has continued to contact me about the debt after I have disputed it in writing. 
* **15 USC 1681-S2 ( 7 ) ( A ) : ** The debt collector has contacted me through electronic communication methods ( email, text message ) despite my request to cease such communication. 

In addition to disputing the debt, I hereby request the following information from [ Credit Collection Service ] : * **Debt Validation : ** A detailed explanation of the debt, including the original creditor, the amount of the debt, and the date of default. 
* **Purchase Agreement : ** A copy of the agreement between [ Credit Collection Service XXXX and the original creditor that demonstrates their legal right to collect the debt. 
* **Licensing and Bonding Proof : ** Documentation proving that [ Credit Collection Service XXXX is licensed and bonded to collect debts in my state. 

I am revoking all rights of [ Debt Collector Name ] to communicate with me through email, text messages, or calls. All future communication must be done in writing through the United States Postal Service. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are several inaccuracies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lake City Credit
State: OH

Complaint narrative:
Had a XXXX card in XXXX. It went default. Another company bought the default and that I made some payments to prior to XXXX but there was never a signed agreement. Now 14 years later they are constantly calling daily, and recieve 2 or 3 notices a week in my mail threatening credit reporting and further actions if I don't pay immediately. The XXXX  amount was XXXX dollars. Lake city credit on XXXX XXXX TX bought it and and charged XXXX. Now tacking on interest of XXXX and demanding XXXX. Texas law can only hold a default for 10 years. Remember that I have never signed an agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: NAVY FEDERAL CREDIT UNION
State: NE

Complaint narrative:
" There is need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' This is listed in the Fair Credit Reporting Act 15 USC 1681 section 602. I have the right as a Consumer to make sure my privacy isn't being violated by being shared by such consumer reporting agencies such as XXXX, XXXX, and XXXX. 15 USC 6801 states that " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' None of the consumer reporting agencies, financial institutions, Navy Federal Credit Union, XXXX XXXXXXXX, nor XXXX XXXX have my consent to furnish this information. They also never had my written consent. Whether it be verbal, non-verbal, written, or implied in any other fashion any and all consent is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Navy Federal Credit Union, XXXX  XXXX, XXXX XXXX never informed me of my right to exercise my nondisclosure option. It is also stated in 15 USC 1681C ( a ) ( b ) that " Except as authorized under subsection ( b ), 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 the records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item that they are reporting again without my permission, which is against the law. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' states in 15 USC 1681e. XXXX, XXXX, nor XXXX are maintaining reasonable procedures. As a Consumer I have the right to opt out at any given time according to 12 CFR 1016.7, and have decided to opt out of their reporting services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
" There is need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' This is listed in the Fair Credit Reporting Act 15 USC 1681 section 602. I have the right as a Consumer to make sure my privacy isn't being violated by being shared by such consumer reporting agencies such as XXXX, XXXX, and XXXX. 15 USC 6801 states that " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' None of the consumer reporting agencies, financial institutions, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, nor Synchrony Financial have my consent to furnish this information. They also never had my written consent. Whether it be verbal, non-verbal, written, or implied in any other fashion any and all consent is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX, XXXX  XXXX, Synchrony Financial never informed me of my right to exercise my nondisclosure option. It is also stated in 15 USC 1681C ( a ) ( b ) that " Except as authorized under subsection ( b ), 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 the records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item that they are reporting again without my permission, which is against the law. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' states in 15 USC 1681e. XXXX, XXXX, nor XXXX are maintaining reasonable procedures. As a Consumer I have the right to opt out at any given time according to 12 CFR 1016.7, and have decided to opt out of their reporting services.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are several inaccuracies on my consumer report.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
AFTER RECEIVING A COPY OF MY CREDIT REPORT I NOTICED AN  ACCOUNT THAT HAS BEEN PUT INTO COLLECTION STATUS WHICH IS NOT MINE. THIS IS NOT MY ACCOUNT .I HAVE NEVER HAD AN ACCOOUNT WITH THIS CREDITOR. SOMEONE  MUST HAVE ILLEGALLY ACCESSED MY INFORMATION.

LVNV FUNDING LLC
C/O RESURGENT CAPITAL SERVICES 
PO XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: DISCOVER BANK
State: FL

Complaint narrative:
I booked a flight with XXXX using my Discover credit card. Within the 24-hour window of purchase, I canceled the flight in accordance with XXXX policy and federal regulations. Despite this, XXXX failed to issue a refund. 

I promptly filed a dispute with Discover, providing all necessary documentation to support my claim, including proof of cancellation within the stipulated timeframe. However, Discover denied my dispute without sufficient explanation, leaving me without the refund I am rightfully owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: AL

Complaint narrative:
I am disgusted with your business practices. I have received several different yearly Escrow Account Disclosure Summaries within 45 days ( XX/XX/XXXX, XXXX and currently XX/XX/XXXX ). On XX/XX/XXXX a Escrow Account Summary indicating a payment increase because there was a shortage. Notice on XX/XX/XXXX you indicated my home insurance was annual payment was {$1200.00}. Then notice where it says CHANGE {$3100.00}. This is an invalid change my annual home insurance is {$1200.00}. Please examine your records. This attempt to scam my insurance amount is fraud on your behalf. I am disgusted every year your company tries to raise the monthly mortgage amount through deception. I am tired of your illegal business practices. I have a fixed interest rate and the only reason to raise my monthly payment is an increased in insurance payment. I have called and spoken with my mortgage insurance ( XXXX XXXX ) and the annual payment is {$1200.00}. You have lied and tried to cause me distress and harassment. The {$3100.00} is erroneous. Then on XX/XX/XXXX if you notice where it says PRESENT & CURRENT LOAN PAYMENT you state {$770.00} is Principal & Interest and then observe the escrow summary on XX/XX/XXXX you have the Principal {$230.00} Interest {$480.00}. ( Observe XX/XX/XXXX escrow summary ) I pay escrow of {$200.00} monthly which totals {$2400.00} for the year, then you say there is an escrow shortage this is inaccurate ( {$180.00} ). My home insurance is {$1200.00} a year which leave in escrow {$1100.00}. Where did the shortage originate? What is the accusation for this {$180.00}? Therefore, I gather again your business practices are dishonest fraudulent, dishonest, and deceitful as well as inaccurate. You have my home mortgage, and you want to just fine a way to get more money from me. I feel threatened and maltreated by your business practices. I live on a fixed income, and you know this. Which leads you to determine I will not be able to pay my monthly note and I foreclose, and you gain the property. This is a deceitful and deceptive ploy to gain my property. Then you demand I pay on this XX/XX/XXXX. It has not been determined that calculations are correct. Loandepot has proven to be prevaricators, deceivers, and falsifiers. I will pay what is corrected monthly payment of {$970.00}. 

I implode you to support me in fighting this conglomerate business so I can obtain my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
CFPB XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to file a complaint against Wakefield & Associates , LLC for engaging in unfair and deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulations. 

Nature of the Complaint : Wakefield & Associates , LLC is attempting to collect a debt from me ; however, they are engaging in the following illegal practices : - Unlicensed to Collect in Florida : Wakefield & Associates , LLC is not licensed to collect debts in the state of Florida, where I reside. This violates state licensing requirements and renders their collection attempts unlawful. 
- No Debt Validation : Wakefield & Associates , LLC has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection on my credit report, which is a violation of the FDCPA.

- No Dispute Opportunity : I have not been given the opportunity to dispute the alleged debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This further violates my rights under the FDCPA.

- False & Misleading Statements : Wakefield & Associates , LLC is using false, misleading, misrepresentative, and deceptive means to collect the debt. This violates 15 USC 1681-S2 ( 7 ) ( A ).

- Unauthorized Reporting to Credit Bureaus : Wakefield & Associates , LLC has reported the debt to credit bureaus without providing the required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

Additional Requests : - I revoke all rights of Wakefield & Associates , LLC to communicate with me through email, text messages, or phone calls.

- I request debt validation information as required by 12 CFR 1006.34 ( b ) ( 5 ).

- I request a copy of the purchase agreement between Wakefield & Associates , LLC and the original creditor.

- I request proof that Wakefield & Associates , LLC is licensed and bonded to collect debts in Florida.

Desired Outcome : I request that the CFPB investigate these violations and take appropriate action against Wakefield & Associates , LLC. This action should include : - Ordering Wakefield & Associates , LLC to cease and desist from all further collection attempts until they comply with the FDCPA and state licensing requirements.

- Ordering Wakefield & Associates , LLC to remove the inaccurate collection information from my credit reports.

- Awarding appropriate damages for the harm caused by their illegal practices.

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: OH

Complaint narrative:
I have been a victim of identity theft. I have filed a police report. I have submitted several letters to all three of these credit bureau agencies and they have yet to remove these fraudulent items from my credit report. In my attachment, I have included my investigation letters with the fraudulent items and my FTC report that contains the items that need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-25 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: NJ

Complaint narrative:
Someone had stolen my information and replicated my debit card. I noticed the same day because I check my bank account daily. Waited around XXXX weeks before calling Chase about it to follow up to give them time to investigate. Over {$6000.00} was stolen from my account. Long story short police report was filed, still waiting for approval to check bank footage at the location that this impersonator physically went to. Because this person used my PIN and I had my debit card on my person the entire time they were using my card. Bank basically denied my claims saying not sufficient evidence to prove it was somebody else ( aka I am lying ). None of my transactions in the history of having a bank account have I ever even withdrew {$6000.00} so to me how is that not a red flag to them!! I feel like they think I am lying and they refuse to give me a credit for the money or anything. Very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Halsted Financial sent a text message with a lot of information included in it that I believe some of which is confidential pending identification verification. I have never interacted with this collection company over the phone, via text, or any other way.

Company response to consumer: Closed with explanation