vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
I am requesting The CBE Group XXXX Inc. to send me verification- ( 28 USC 1746 ) of this alleged debt by XXXX XXXX XXXX pursuant to 15 USC 1692g ( b ). I am also invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ) & requesting The CBE Group , Inc. to cease & desist all communication unless for verification purposes. I am also demanding The CBE Group , Inc to stop all communication with third parties- XXXX XXXX XXXX XXXX XXXX immediately pursuant to 15 USC 1692c ( b ). Failure to stay in compliance with any provisions listed shall result in legal action pursuant to 15 USC 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX  ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under 15 USC 1681 Sec. 602. I have the right to privacy. 15 USC 604 Sec. 2- A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 ( b ) A creditor may not treat a payment on an open credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kikoff Inc.
State: FL

Complaint narrative:
AS YOU CAN SEE THIS COMPANY ISN'T REPORTING XXXX, ALSO REPORT DATES, OPENED DATE AND PAYMENT DATE INCORRECT. 

Account # : Account Type : Account Type Detail : XXXX Revolving XXXX Revolving Charge account Charge account Bureau Code : Individual Individual Open {$0.00} XX/XX/XXXX {$0.00} Account Status : Monthly Payment : Date Opened : Balance : Open {$0.00} XX/XX/XXXX {$0.00} No. of Months ( terms ) : High Credit : Credit Limit : {$24.00} {$750.00} {$0.00} {$0.00} {$750.00} {$0.00} Past Due : Current XX/XX/XXXX Charge Amount in H/C column is credit limit XX/XX/XXXX XX/XX/XXXX Payment Status : Last Reported : Current XX/XX/XXXX Comments : Date Last Active : Date of Last Payment : XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Trident Asset Management, L.L.C.
State: LA

Complaint narrative:
So this company has said that I owe the stat right now they're saying that I got this debt in XXXX, which is completely an accurate. They refuse to assist me with removing this from my credit report, when in fact, they refuse to provide any type of legal documentation showing ownership of this debt by myself I have reached out to them via USPS mail and asked them for verification of the debt. They refused to reply back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
So this company has said that I owe the stat right now they're saying that I got this debt in 2019, which is completely an accurate. They refuse to assist me with removing this from my credit report, when in fact, they refuse to provide any type of legal documentation showing ownership of this debt by myself I have reached out to them via USPS mail and asked them for verification of the debt. They refused to reply back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Credit and Collections Inc.
State: NC

Complaint narrative:
This is XXXX XXXX I am requesting verification- ( sworn under oath ) by United Credit & Collections Inc for this alleged debt.I am also invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ) & requesting United Credit & Collections Inc to cease & desist all communication unless for verification purposes. I am also demanding United Credit & Collections Inc to stop all communication with third parties- XXXX XXXX XXXX XXXX XXXX immediately pursuant to 15 USC 1692c ( b ). Failure to stay in compliance with any provisions listed shall result in legal action pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
About XXXX XXXX XXXX months ago a debt collector called Genesis contacted myself claiming I owed my previous Landlord company at XXXX XXXX XXXX XXXX, {$1300.00} for unpaid rent. I left my previous landlord at XXXX XXXXXXXX on XX/XX/XXXX with my full deposit intact. Genesis also started persistently calling my stepdaughter who had a separate apartment at the same XXXX XXXXXXXX complex up to XX/XX/XXXX. 

When I initially asked Genesis to provide written proof of their debt claim. Genesis refused saying that they had already sent me this information which I had never received. Genesis then repeatedly XXXX  or XXXX  a week would call me but more so my stepdaughter demanding payment. Each time I would ask for written proof and Genesis would refuse. 

This collection is showing on my credit report and increases in amount bi-monthly. 

I contacted XXXX XXXX XXXX XXXX XXXX personally and they assured me that nothing was ever outstanding and that my previous information was not held in their computer program. 

The last time that Genesis attempted to contact myself or my stepdaughter was XXXX on XX/XX/XXXX. The collection is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: MI

Complaint narrative:
I have no knowledge of these hard inquiries. The hard inquiries are a result of identity theft and must be removed no later than 4 business days. As per 15 usc 1681c-2 block of information resulting from identity theft. 
Four attempts have been made to cure fraudulent reporting : XX/XX/2023, XX/XX/2023, XXXX XXXX another business location, XX/XX/2023. ( See attachment ) XXXX XXXX XXXX  ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: MI

Complaint narrative:
I have no knowledge of these hard inquiries. The hard inquiries are a result of identity theft and must be removed no later than 4 business days. As per 15 usc 1681c-2 block of information resulting from identity theft. 
Four attempts have been made to cure fraudulent reporting : XX/XX/2023, XX/XX/2023, XXXX XXXX another business location, XX/XX/2023. ( See attachment ) XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX ( Bank ) XX/XX/202XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: MI

Complaint narrative:
I have no knowledge of these hard inquiries. The hard inquiries are a result of identity theft and must be removed no later than 4 business days. As per 15 usc 1681c-2 block of information resulting from identity theft. 
Four attempts have been made to cure fraudulent reporting : XX/XX/2023, XX/XX/2023, XXXX XXXX another business location, XX/XX/2023. ( See attachment ) XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/2XXXX XXXX  XXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
I had about {$55000.00} in student loans held by aidvantage in my name during the start of the COVID pandemic. They were a mix of subsidized AND unsubsidized loans. During that time, I decided to refinance my home to pay off those loans completely. My balance was down to XXXX. Paid OFF. 

Then I was told I was entitled to a refund of any payments made up to {$20000.00} to help out financially due to the pandemic situation. When you hear REFUND, does it sound anything like ANOTHER LOAN???? No. So I called and emailed back and forth trying to ask Aidvantage, my servicer, about this so called refund. Eventually I got ahold of someone and they simply asked what refund I wanted over the phone. I told them I paid my loans off but heard I could get a refund of up to XXXX on payments made. They said yes, and said that they would process some paperwork to make that happen. It took months and then I got a payment to my bank account for the refund. 

I utilized it to pay of some other high interest debt and survive during a time of financial stress, as I thought it was intended for. And I didnt receive ANY paperwork or sign ANY documents for getting this refund.

Then, I got an email from the education department, not even initially aidvantage, that I suddenly held a NEW {$20000.00} loan ( UNSUBSIDIZED even though I PAID ALL of my balance both unsubsidized and subsidized OFF completely ) WITH interest??????

Now they keep emailing me asking for payment and I will not give them one dime.

I did not sign ONE thing that authorizes this. I am already in the works of gathering a lawyer and setting up my case to sue Aidvantage for the complete lack of information, professionalism, and predatory lending practices which they have already settled class action lawsuits for. I am escalating this in EVERY way that I can. Aidvantage will not take advantage of me. 

How is it even fair that they re instate a loan WITH Interest and without my permission or signature after I paid it all off!? Its NOT. Its an offense that Aidvantage will again be sued for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I open a account with truist on XX/XX/2023 a couple days later I deposited a check for {$3000.00} iny account which they froze in said it would be available in a couple days I have p.o.a..they cashed it but it's still not available to me I can't take the check no where else because its been cashed at truist in they still haven released my funds in closed my account they haven't told me any thing but its under investagation

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 2023-12-24 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am writing to file a formal complaint against Navient regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to consumer reporting agencies. This action by Navient is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974. 

The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. 

As custodians of these records, Navient is bound by FERPA regulations. However, they have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA. 

Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information. 

Navient 's disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress. 

Despite my attempts to rectify this matter directly with Navient, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for Navient 's actions but also compensation for the financial damages and emotional distress incurred due to their illegal reporting activities. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by Navient. Pursuant to 15 USC 1681n, I seek damages of {$1000.00} per violation as a result of their unlawful actions. 

Enclosed with this letter are relevant documents supporting my claim. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. 

Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( online at Best Buy ) and charged it to my Best Buy Credit Card. The bike was delivered and had a defective tension motor out of the box as well as a software issue where the screen would stop working. I contacted Best Buy and they said they can not assist and that I need to deal with XXXX XXXX  directly. I contacted XXXX XXXX, who then sent me to a 3rd party for assistance with my warranty. This was during the return window. They declined to help as well. I went back to Best Buy and they said they will not assist. I now have a bike I paid {$2100.00} that does not work properly. I continued to reach out to Nordic Track and the 3rd party they contract their warranty to and they continued to stone wall me. I spent a year calling them repeatedly about my defective bike and many hours of phone calls. One service agent suggested that I have my " partner '' fix it for me. I am single. This was offensive. They then stated that I could pay one of their service partners {$250.00} for a service call, then let that service partner order parts, pay for the parts, spend another {$250.00} for another service call, and they will review it later and see if they will reimburse. This seemed like a fraudulent money grab. Please keep in mind this was defective out of the box upon delivery and clearly within the warranty timeframe. After so many calls and receiving no help the bike just sat in my living room unused. This year I paid out of pocket to XXXX XXXX in XXXX, CA to diagnose the bike. The charge was {$100.00}. They said it was a defective tension motor. They ordered the part and returned on XX/XX/XXXX to install it and I paid another {$120.00} plus the cost of the part for that service. The bike was ridden about XXXX times per month since then and the tension motor ( a XXXX XXXX  part directly from the company ) failed again and the flywheel/bearings are also defective ( knocking sound ). This feels like a lemon and I have been sold something that was improperly manufactured and the company just stone walls its customers by sending them to a 3rd party that frankly could care less about honoring the warranty. All told this was sold as a commercial quality bike and it has never actually worked as advertised and the parts I am repairing have been confirmed as a manufacturer 's defect. They need to replace this bike or refund the charge. Best Buy has an obligation to not sell defective merchandise. They are absolutely a big issue in this whole transaction.

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 2023-12-24 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: GA

Complaint narrative:
On XX/XX/2023, via certified mail ( XXXX XXXX Number XXXX ) Equifax received a package from me which contained : proof of my identity, the specific information that is the result of identity theft, and a copy of my complete and submitted Identity Theft Report with the Federal Trade Commission. 

As the consumer reporting agency, Equifax has failed to provide any documentation that would allow them to reasonably determines a condition to rescind blocking Account # XXXX - XXXX  XXXX under Section 605B of the Fair Credit Reporting Act.

Equifax has failed to block this account, and also failed to provide documentation to justify recinding said block, which is a clear violation of 15 U.S. Code 2068.

The previous mentioned violation ( of Section 605B of the Fair Credit Reporting Act ) constitutes a separate but continuing violation 15 U.S. Code 2068, each day of the violation constitutes a separate offense ( {$1000.00} each according to 15 U.S. Code 1681n ), the maximum civil penalty shall not exceed {>= $1,000,000}.

Company response to consumer: Closed with explanation