vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 fumish a account without my written instructions.

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 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've had a problem with Equifax there's no credit score or credit file for my Equifax account. Since XX/XX/XXXX I've had an unavailable score credit score. I'll let you know when this will get resolved.? According to the Fair credit reporting act I should have a credit score it's been like this since XX/XX/XXXX right now it is XX/XX/XXXX it's been going on for about almost 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I called twice and requested that my banking information be removed as a payment method stored on my account. I was transferred multiple times and then told to send an email. I received a response, and was told to send another email. I am getting the run around. I want them to remove my bank account information from their payment system. I do not authorize it to be used as a payment method and I do not authorize them to maintain or store the information in their system. I have right to privacy, and they do not have a right to my bank account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
I received a letter dated XX/XX/2023 on XX/XX/2023. The original creditor was XXXX  XXXX XXXX. This communication was from Credit Management company from XXXX, TX, formerly XXXX XXXX XXXX. The letter has an address but no phone number. I was given the phone number by another company. XXXX. 

I contacted their office on XXXX XXXX at XXXX XXXX XXXX. The call lasted XXXX seconds. They said they are representing a XXXX XXXX XXXX, XXXX. I spoke to a gentleman named XXXX. I advised him that this was a XXXX 's XXXX  case. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX were advised of this when I was sent there by my employer. They were given all information when I was initially seen. I disputed the debt through XXXX XXXX as it showed up on my Credit Report. I believe that is why I received the letter. I received from this company what appears to be XXXX pages printed from a computer and that is supposed to " verify '' the debt. The letter and their Agent identified this is a debt from XXXX XXXX XXXX, XXXX in XXXX, CA. 

When I spoke to the XXXX and provided the reference number he stated you owe _____. I then advised him this was a XXXX 's XXXX case and I dispute this debt. I advised him that XXXX  XXXX know this is a XXXX 's XXXX  claim and I don't owe them as my employer was supposed to pay according to Tennessee law. He said so I am annotating your account to show you refuse to pay. I said no I dispute the debt as it is a XXXX 's XXXX case. He said well we sent verification. I said no I want an itemized bill and if you want money take me to court. His attitude was like I just woke him up and he wasn't interested in anything I said. 

The letter and the " verification '' document both have no indication of the right to dispute a debt or a phone number to contact the XXXX. I am also forwarding to the Tennessee Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit card or prepaid 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: SC

Complaint narrative:
I signed up with the following moving company in XXXX to move us from XXXX XXXX XXXX XXXX 

United States XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX  : XXXX XXXX : XXXX I decided to do it on my own so we cancelled in the XXXX hour window. I submitted the cancellation email like they requested and waited for my refund. I didn't hear anything for a week so I reached out and asked for an update. They said they were processing my request. Then nothing happened so I followed up again and they responded saying it would be handled by Monday. Nothing happened so I filed a dispute with my credit card company who is Chase Bank. They told me they would take care of it and they removed the {$2600.00} charge from my card. I didn't hear anything from them till XX/XX/XXXX saying the dispute was closed and we were responsible for the money. I called right away and gave them the supporting documents that I had ( they never asked for them or reached out to me the entire time ). Since then I have gone back and forth with Chase and every time I call in I get a different answer. Some say it is being resolved, some say they are opening the case, some say it is closed. I never get any calls to update me and the messages they send in my account have been XXXX in 6 months. All those messages had nothing of substance either. They have not followed up at all and in a timely manner. This was not handled in the way it was supposed to be according to the Fair Credit Billing Act. They said they did an internal investigation and said they did everything right but they didn't do anything. This is a charge for services that were never delivered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
I received a letter dated XX/XX/XXXX with a check enclosed for {$330.00}, that stated our mortgage company, First Horizon was unable to process our payment because the loan had matured. This prompted me to call to inquire what did this mean. The representative at First Horizon stated she did not know why the check was sent to us and that someone would call back to assist us further. No call ever came. A few weeks later I called again to inquire about check being returned and I also requested an audit of the account. This loan had been sold/transferred many times so I wanted to verify that terms and amount had not change. To date, I never heard back from anyone or received any correspondence until XX/XX/XXXX when I received letter from debt collector stating that we were facing foreclosure. We called First Horizon this morning and asked what prompted this. XXXX been inquiring about the returned payment and have requested an amortization schedule/audit to no avail. After being transferred several times this morning all we have discovered is that when I entered into Loss Mitigation back in XX/XX/XXXX, it was incorrectly listed as incomplete. I have proof that I provided all information/documentation that was requested and at the time of request I was given verbal confirmation that all was good. I have never received any other correspondence after that stating otherwise. We are totally perplexed about this whole debacle and wondering how are we now in foreclosure when no one from First Horizon has made us privy to any of this. First Horizon refused payment from us and then not respond to any of our requests since XXXX and then proceeded to put us in foreclosure. Our hands are tied and after speaking with several departments this morning were still none the wiser. XXXX done our due diligence but we are not in control of how First Horizon conducts business. Initially our loan was with First Horizon and then XXXX and then XXXX XXXX and now back with First Horizon. A few payments were sent to the incorrect mortgage company due to this merry go round. Please research the history of this account so that we can have clarification of what transpired and where the ball was dropped. It doesnt make sense that until XX/XX/XXXX, all payments had been accepted. First Horizon returned our payment so how were we to stay current if they refused to process payment? First Horizon deliberately made this account go into default by refusing payments. Theres been no emails or letters from First Horizon inquiring about missing payments. And when we asked back in XXXX and XXXX about the returned payment and request an audit of this loan they provided NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had a mortgage with wells fargo and tried to do a modification. The required me to resend the documents nearly every 30 days for over a year. they then put me in for a trial modification program and both times I made the required payments and was then denied the modification. My home was eventually foreclosed on but in the process I made over XXXX in trial payments. 

I received a letter saying there was an error in the calculation of the attorney fees with a small check but that was it. 

How do I know if I am eligible for more compensation? Am I just supposed to wait for them to see if they believe I was wrong? In my opinion I should at least be eligible for a return of the trial payments. 

I put XXXX down on my house and all of that was lost as a result of the foreclosure and then they turned around and sold the house for over XXXX plus whatever I paid during the time I did pay my mortgage. They benefit much more by foreclosing on me that they would have by giving me the modification which seems to the reason why they never intended to give me the modification although they pretended to be trying.

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 2023-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zip : XXXX, NY XXXX RE XXXX Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ) , the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As of XX/XX/2022 they have been reporting my late payments for account XXXX XXXX XXXX  in the amount of {$640.00} for a total of 4 late payments reported the months of XXXX, XXXX, XXXX, and XXXX of 2022. 

As of XX/XX/2022 they have been reporting my late payments for account XXXX XXXX XXXX in the amount of {$940.00} for a total of 5 late payments reported the months of XXXX, XXXX, XXXX, XXXX and XXXX of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2013 your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.

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 2023-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
No information was given regarding the account. Violates federal XXXX XXXX XXXX also no medical release given and eligible to collect on debt per Section XXXX ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: MD

Complaint narrative:
XX/XX/2023 Creditor : AFNI Account number : XXXX Collection Agencies Creditor Address XXXX XXXX XXXX XXXXXXXX, IL, XXXX I am not liable with this debt for {$990.00} with AFNI nor do I have a contract with Afni Collections. They did not provide me with an original application like I asked. They claim to be collecting for XXXX cable in the amount of {$990.00} which is not accurate as i have an active account with XXXX and not Afni Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/22 I went to XXXX XXXX XXXX on XXXX XXXX XXXX, in XXXXXXXX XXXX  to get an appraisal of my vehicle. I didnt know they were going to run my info with Capital One when Im already financing the trade in car with Capital One. My complaint is why run me info with capital one when im already in a loan with them?? my Second complaint is Capital sent me a letter of denial for an auto loan because of recently returned payments on existing capital one accounts due to insufficient funds! I have several accounts with Capital One, one being an auto loan and three credit cards along with savings and checking accounts and all accounts are active and in good standing! it was very insulting to say the least that there were returned payments it was one time that happened all because my auto pay was set up with the wrong account! 
I am ending my complaint by saying XXXX shouldnt have ran my info with Capital One when I have an active loan with them and Capital One should not base a decision off of one returned payment that was not recent and nonetheless I am a LOYAL CUSTOMER AND I HAVE BROUGHT BUSINESS TO THAT COMPANY BY GETTING PEOPLE TO GET THEIR CREDIT CARDS THAT THEY WERE APPROVED FOR! HOW DARE THEM!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
On XX/XX/2018 the residence at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, IN XXXX, managed by the XXXX XXXX XXXX XXXX was leased and rented in my name without my knowledge. At the current time, I was a resident of XXXX XXXX XXXXXXXX and had been living solely in XXXX for all of my life, even residing in a XXXX XXXX in XXXX XXXX, XXXX XXXX  for two and a half years. There is no possibility that I could have leased this apartment and thus lived in the apartment either. I am currently being held liable for {$8400.00} worth of debt that is not mine. There are also many inconsistencies in the leasing agreement and ledger balance that pose an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I received a letter for a debt of {$46.00}, and this is unfair. I paid the original creditor in XXXX. I never received any notice or was told verbally when office visits were made, that, a debt was owed. I always paid copayments. The original creditor XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, verified that the debt was paid in XX/XX/XXXX, and weve had several office visits since then. The credit company never mailed a notice about the debt in XXXX, and all data is accurate for mailing at the practice that they received the debt from. I was told on XX/XX/XXXX by the billing department at the original creditor that the debt was paid and XXXX XXXX still wants me to pay {$11.00} for service secured by the original creditor. I find this unfair and shouldnt be held liable to pay for it. My daughter XXXX XXXX is the patient on this debt and I am the guarantor. 

Overall, were pleased with the practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
Even though Im ( the living human ) and not ( the entity person ) responsible for the debt claimed below, I have made several attempts in XXXX to offset the debt the accounts claim I owe. All of the accounts refuse to accept the payments I sent them to offset the debt and thus credit scores have been negatively affected and severely hindered the ability to act in commerce! 

So in accordance with the Fair Credit Reporting Act, the accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to all the U.S. Codes : 15 USC 1681, 15 USC 1691, 15 USC 1692, 15 USC 1602, and 18 USC 894. 

Also, using my TRADENAME without my express written consent is in violation of the Michigan Legislature - Identity Theft Protection Act 452 of 2004 - MCL Section 445.65. 

The Names reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The accounts in question are below : XXXX XXXX XXXX - {$1400.00} XXXX XXXX XXXX {$7500.00} XXXX XXXX- {$29000.00} XXXXXXXX XXXX XXXX {$5500.00} XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX {$14000.00} XXXX - {$6200.00} XXXX XXXX {$4500.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX- {$3300.00} The ( credit furnishers ) have blatantly violated my consumer rights and acted in restraint of trade which is in violation of 15 USC 1 and 15 USC 2.

Also, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. 

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information.

Any other adverse items of information other than the records of convictions of crimes that antedates the report by more than seven years.

15 USC 1681s - 2 ( a ) Duty of furnishers of information to provide accurate information. 
XXXX XXXX information with actual knowledge of errors A person shall not furnish any information relating to a 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 2023-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC
State: FL

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. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 
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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation