vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advantage Collection Professionals, Inc.
State: IL

Complaint narrative:
ADV COL PRO has Placed a Collection Account on My XXXX Consumer Report Date Opened XX/XX/XXXX Balance {$730.00} Date Last Active XX/XX/XXXX Without providing Prior Notice Or Validation Information under 12 CFR 1006.34 ( b ) ( 5 ) I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The Date Last Active is Impossible to Be Accurate.

The Statute for Collecting Debt in the State of Illinois has Clearly expired.

ADV COL PRO Collection Company is violating my consumer rights by Using False, Misleading, Misrepresentation, and Deceptive Means.

ADV COL PRO Collection Company has no authority to furnish any Account to a Consumer Reporting Agency Without providing any and all disclosures Required by law and are in clear violation according to 12 CFR 1006.34 ( d ) AND 15 USC 1681-S2 ( 7 ) ( A ) I Dispute Owning Any and All Alleged Debt to this Collection Company. 
I Revoke All Rights of this Collection Company from Communicating with Me via Mail, Email, Text or Telephone Calls. 

I am requesting Proof of Notification that this Collection Company may claims I was provided prior to this Account being added to My Consumer Reports. 
I am requesting the Method of Validation for this Alleged Debt.

I am requesting the Purchase Agreement between this Collection Company and the Original Creditor that this Alleged Debt was Purchased from.

I am requesting Proof that this Collection Company is Licensed and Bonded to Legally Operate as A Collection Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
I have submitted requests on my online mortgage dashboard XXXX times this year ( see uploaded document " Screenshot of Document Center '', requesting that the PMI be removed. Each time I have received a denial letter. Please see most recent denial letter attached " PMI removal denial letter XXXX '' I do not understand why I am being denied as I meet XXXX 's criteria for removal ( having at least 20 % equity based on the original home value ). I also have an excellent repayment record as the monthly mortgage payment is automatically deducted from my bank account each month. 
I also qualify based on the information showing on my " dashboard '' when I login to their website, please see " Screenshot of mortgage dashboard '' although they have incorrectly listed the original home value as {$120000.00} it still shows that I have 20.6 % equity. Please also see " FINAL - Closing Disclosure XXXXXXXX XXXX XXXXXXXX '' where you can see that the original sale price was actually {$120000.00} ( not {$120000.00} ). Even so, I qualify based on either value : {$120000.00} less loan balance {$100000.00} = $ XXXX = 21.86 % {$120000.00} less loan balance {$100000.00} = $ XXXX = 20.62 % I have carefully read the denial letter and I qualify under the first stated criteria, but I feel that they are trying to force me into the more costly approach of getting the PMI removed based on the current market value which requires an appraisal. 

I have tried calling the customer service department but they tell me the PMI department does not accept incoming calls and I must wait 24 to 48 hours for a telephone call from a random number ( which they can not tell me ). Needless to say, I have not received a telephone call, even though I answered every random call received during the specified time period. I asked for confirmation numbers on both occasions that I called the customer service line and was given a combination of the customer service representative 's initials and the date I called : " XXXX '' and " XXXX ''. I am so frustrated. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 2024-03-22 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: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
I received a bill from XXXX XXXX even though I never had an account or service with them. My service provider is with XXXX and has been for a very long time. I contacted XXXX and was told they would close the charges against my account as they could not find a wireless telephone number or service usage charges associated with the account in my name. However, XXXX XXXX did not close the account. Now I have been contacted by a debt collection agency XXXX XXXX XXXX requesting I pay {$100.00} for an account that is not mine. Additionally, this account has been added to my credit report. I have filed disputes with the credit reporting agencies and have been unable to get resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: FL

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 accounts. 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 2024-03-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a notification from the Creditkarma app stating that XXXX received information that my Best Buy store card ( issued by Citibank NA ) was closed on XX/XX/XXXX. When I logged into the app, it showed that my credit score went down as a result. The remark code listed was " Account closed by credit guarantor '' On XX/XX/XXXX I called Citibank ( at the number on the back of the Best Buy credit card ) and was told that the account was closed due to inactivity. My account was always in good standing with no derogatory remarks/late payments, etc., so I explained I didn't receive any notice that they would be closing the account. I was transferred to a manager ( XXXX ) who told me that the negative impact on my credit report would go away on its own and that I couldn't appeal/revisit the decision, but that I could reapply for a new credit card. I explained that didn't make sense as that would also potentially impact my credit score if I re-applied and she said that was the only option. With regards to my points about not receiving notice, she stated that I was sent an email and a letter in the mail in XX/XX/XXXX. 

I explained I never approved or authorize electronic statements or communications on my card accounts but either way I never received the email or the letter. I asked if I could be sent these communications to confirm their timeline and she said they could not do so, but that I would get a letter in the mail indicating that my account was formally closed. I am concerned because I have other credit relationships with Citibank which are longstanding and I never had any issues receiving communications. XXXX was unwilling to look up these relationships and confused me at one point by saying that this was due to inactivity and notification they received from XXXX? 

I asked to speak to someone else to lodge a complaint at Citibank about these events and XXXX indicated she already noted my complaints down, but stated there was no incident or complaint number for me to follow up on. This sequence of events feels very disingenuous, as my wife 's score may also be impacted as she was listed as an authorized user on the 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 non-monetary relief
Consumer complaint received 2024-03-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
So i had called into Equifax to see what the heck these items were on my credit report and then i realized that there was a process i had to go through. The Equifax rep told me i had to file an Ftc for the fraudulent inquiries, so i did that. Then she said send it in and gave me the address and XXXX XXXX and told me who to address it to. I sent that in XXXX, almost XXXX months ago. I SENT IT MONTHS AGO. I told them explicitly that

these were fraudulent inquires and they assured me that if i went through the simple steps i went through that they would act to remove them. I have done my part to remove this fraud from my credit report, and they have not done theirs. not to mention, they are grossly acting against me and against my rights as a consumer. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give them written instructions to furnish this on my credit report? No. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject tosection 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Delet
e the above FRAUDULENT inquiries from my consumer report, as this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report, specifically concerning my Bank of America credit account. Upon reviewing my credit reports, I have identified several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I am committed to resolving this matter amicably, but if necessary, I am prepared to escalate this issue to the attorney general of my state for further investigation. 
The inaccuracies are as follows : * Bank of America, as reported to XXXX, indicates an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, and a 30-day late payment. This is misleading and inaccurate. 
* Bank of America, as reported to XXXX, shows last payment on XX/XX/XXXX, a XXXX late. The account closed on XX/XX/XXXX. This information is incorrect and unfairly represents my payment history. 
* Bank of America, as reported to XXXX, suggests an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, accompanied by a XXXX late payment. This is inconsistent with my actual payment history.

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 2024-03-22 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: GA

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 2024-03-22 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: GA

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 2024-03-22 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: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-22 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: GA

Complaint narrative:
Today on XX/XX/year> I decided to open a new checking and savings account with the ( XXXX XXXX XXXXXXXX XXXX ) here in XXXX, Ga and once I made it home I saw that a hard inquiry was added to my credit report but the teller by the name of XXXX helped me with opening that account never disclosed that they would be running a credit check/ HARD INQUIRY towards my credit report. I called the hotline after I was notified by my personal credit app and was told it was in my paperwork that I signed but they didnt even show me any paperwork they only asked me to signature a XXXX XXXX where no words where shown and by law they are suppose to disclose this information to me before pulling my credit profile Im a consumer that knows the law towards these things an they are suppose to tell me they gave me paper work but only disclosing personal information I gave them nothing ever saying anything about a credit pull or no one ever asked if I was ok with a credit pull because if so I would have never opened the account I would really like for something to be done about my credit profile an the inquiry because I work hard to maintain my credit profile an thats not fair at all inquiries hold weight to credit an I dont need to be adding inquiries when Im still fixing my credit this is terrible an I want something to be done IMMEDIATELY! AN I ALSO WANT THAT INQUIRY OFF MY REPORT BECAUSE THEY DIDNT HAVE PERMISSION TO PULL MY REPORT AN IF NOT I WANT TO TAKE LEGAL ACTION!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

CREDIT COLL ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Flat Six Holdings Inc.
State: TX

Complaint narrative:
I accepted a title loan for {$10000.00}. However, I was mislead of the repayment terms. The interest rate is XXXX  %, and the loan reoccurs monthly. It was explained to me that this was a annual loan and could be repaid over the course of XXXX  months. I have made {$1100.00}, payments since XX/XX/year>. Which have not reduced the amount of the loan.

Company response to consumer: Untimely response