vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EGL US, LLC
State: GA

Complaint narrative:
Consumer has a right to privacy. XXXX XXXX XXXX ( XXXX  ), a debt collection agency, recently began contacting the consumer after acquiring ownership of a debt that consumer allegedly owed to BMG LoansAtWork , LLC. The debt collection agency was informed to cease and desist contacting the Consumer. XXXX received communication from Consumer to cease and desist via USPS Certified Mail. Once the previous alleged contract with BMG was severed which is the Consumer 's personal non-public information, any alleged contract became null and void. XXXX also accessed Consumer 's credit report without their written consent, authorization and/or permission nor any permissible purpose, which is a direct violation of the FCRA and FDCPA. XXXX  has accessed consumer 's personal information, credit file disclosures and even created an erroneous account with the Consumers personal identifying information, insinuating that they gave the Consumer some type of loan. The Consumer has NO obligation to this organization. The Consumer will be filing an Identity Theft Report with the Federal Trade Commission. Debt collectors should have been notified by BMG that BMG submitted cancellation of debt to the IRS, therefore any alleged debt has already been discharged, cancelled, and forgiven. XXXX  took it upon themselves to acquire a so called debt and stated in a recent letter that they were the owners of the debt. XXXX decision to acquire a credit profile was a choice of their own and Consumer never GUARANTEED any asset, note, or payment nor did they sign any contract with XXXX. Consumer has suspicion of these two companies, BMG LoansAtwork , LLC. and XXXX to be committing TAX, SECURITIES AND TRUST FRAUD, therefore Consumer will be submitting FORM 211 INFORMATION REFERRAL AND FORM 3949 TO THE IRS for any account held in consumers name and social security number with XXXX  and/or BMG. The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover any actual damages sustained by the consumer as a result of the [ violation ] or damages of not less than {$100.00} and not more than {$1000.00}. BMG IS IN VIOLATION OF THE FCRA 15 USC 1681 CONSUMERS RIGHT TO PRIVACY FOR ADVERTISING AND SELLING CONSUMER 'S PERSONAL NON-PUBLIC INFORMATION. ARC IS IN VIOLATION OF FDCPA 15 USC 1692 A Consumer 's Right to Privacy by the reference violations mentioned above. Consumer has a copy of several credit file disclosures displaying the debt collectors accessing of the Consumers information without Consumers written consent. Consumer also holds denial letters and other evidence of harm caused by these companies negligence and willful noncompliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: MD

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 2024-03-20 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: MD

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 explanation
Consumer complaint received 2024-03-20 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: FL

Complaint narrative:
PER EXPERIAN THEY MEET THE FCRA REQUIREMENT. AS A CONSUMER I DISAGREE BC I DID SUBMIT A LETTER REVOKING ALL AUTHORIZATION PER 15 USC 6802. THEY ARE NOW IN VIOLATION OF THE FEDERAL LAW. 

FURTHERMORE ALL CREDIT BERAUS ARE IN VIOLATION OF THE PRIVACY ACT OF 1974.

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 2024-03-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I received a {$20.00} gift card at an XXXX office party. The card was from " XXXX  '' You log in, use the numbers on the card and exchange it for gift cards from their list of XXXX restaurants. On XX/XX/XXXX I logged into XXXX to make my restaurant selection and I kept getting an error message that the card was " not negotiable '', I called the phone number on the website. A male answered the phone told me the card was " fine ''. While he was on the phone and tried again, and suddenly it was active. Because the denomination options were such that I couldn't order a {$20.00} card, I had to request XXXX  {$10.00} cards from the restaurant. I chose XXXX XXXX Within minutes I received an XXXX certificate for {$10.00} from XXXX XXXX. So I waited about a couple hours, when I didn't get the second card, I checked the balance on the card I was sent to see if they had loaded the {$20.00} onto the one card, despite the card clearly stating {$10.00}. When I confirmed it was only {$10.00} I called the customer service # from the website XXXX. The male that answered the phone was very difficult to understand, he talked fast, with a dialect and told me I just needed to wait, that it could take up to 24 hours. 
Today, XX/XX/XXXX I called again, as a second XXXX XXXX has not arrived. This time a woman was rude and told me I needed to contact XXXX XXXX that there isn't anything she can do. When I attempted to tell her that I had already checked the balance and it was only activated for {$10.00}. Now when I try to call back it's as if someone lifts the receiver and immediately hangs up the phone. I realize it's only {$10.00} but with the behavior I have encountered I believe that there is something fradulent going on. I would like this corrected, please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

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 2024-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
To whom it may concern : I am being overcharged on interest APR on this loan. I have directly request an amortization statement for the complete loan and the company states it can not be generated by there staff. I Have called several people in the CSR unit and even their escalation dept with no success. they continue to charge me the wrong daily APR and several months no principal is applied to loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Certain listed accounts appear to be inaccurate in their reporting.

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 2024-03-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TX

Complaint narrative:
I contacted the company because my daughter received a XXXX XXXXXXXX card as a birthday gift about a year ago, but lost it. Once we found it I called to get the card reinstated, However, when I called the customer service number I was told we would have to apply to get this card reissued with our social security number. Under no circumstances was I giving my SS # to some random person with a foreign accent. I asked to speak to a manager and was put on hold for over an hour. I never did reach anyone. So I sent an email to the company president and their law enforcement division. This is the error message and the number I received when I tried to get this done online. 

Something went wrong In order to complete your account activation, we need a few additional details. Please call customer service and we will help you complete the process. 
XXXX https : //www.netspend.com/account/activate

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I had been called many times about a debt that I wasnt aware of. I was under the impression I payed all my bills from my previous apartment complex and was surprised when I received the phone call that I had a collection. I asked for a breakdown of what the collection was for and not just who it was from and I could mail a check in when I got sent the information. I gave them my address and everything but never received anything. This happened around XXXX XXXX. I was told that regardless if I received the paper or not, the collection would post to my credit. I have yet to receive anything in the mail months later, I told them I wasnt comfortable giving my card info over the phone, and now Im stuck with the record on my credit. I called to explain today and was rudely told that it was going to stay on my credit even if I payed it. The gentleman said what do you want the link to pay online? ( Which I wasnt aware I could do ) I would like to pay the the TOTAL amount do of literally only XXXX dollars and get the account removed from my credit. I feel I was more than reasonable not wanting to give a random person my credit card information. Thank you.

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 2024-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Communication with correct information in telephone conversation on XX/XX/XXXX. Subsequent letter to collection agency in writing with back-up and rejection of the bill XX/XX/XXXX and XX/XX/XXXX. Contact by a 2nd collection agency ( Credit Collection Services of XXXX XXXX XXXX, XXXX, MA XXXX ), with a letter sent with back-up on XX/XX/XXXX and XX/XX/XXXX. Now a new collection letter dated XX/XX/XXXX has been received. No communication from any entity acknowledged any of my letters. 
The fact is that XXXX XXXX submitted incorrect insurance information and despite multiple attempts to assist them, they have never submitted correct information ( and I suspect too much time has now elapsed for them to now do so ). 
They have received invoices from me for my services, that have been ignored. 
In my written response to Credit Collection Services dated today, I have sent them a copy of previous corerspondence, and a notice that I am fining them {$500.00} for each of 3 violations of Section 805 ( c ) of the Fair Credit Collections Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have 2 property tax exemptions. One is a Veteran 's and the other is a Homestead. Upon review of our escrow and per conversations with customer service they insist there is only a partial homestead exemption and are disregarding the Veteran 's exemption awarded in XXXX. 

The mortgage payment has increased astronomically and the company is no longer responding to me to have the situation rectified. Despite having the property tax bill that clearly shows both exemptions they have not fixed the mortgage payment and I can not reach a live person. 

I have left voicemails, sent multiple emails and requested a supervisor callback via chat to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: 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 ( original creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ), Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX 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 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Bringing to your attention a significant discrepancy regarding my account with the U.S. Department of Education.

As per my bankruptcy filing in XXXX, this account has been legally discharged, and it has been closed since XX/XX/XXXX. However, I recently discovered that the account is still being reported as open, and there have been alleged missed payments, which is entirely inaccurate. I have taken the necessary steps to dispute this error with Experian, and despite my efforts, the account has been verified incorrectly, which not only misrepresents my financial situation but also goes against the Fair Credit Reporting Act ( FCRA ). I kindly request your immediate attention to rectify this matter as it is affecting my credit report and financial standing unfairly. I am willing to provide any documentation necessary to support my claim and expedite the resolution process.
Thank you for your prompt attention to this matter. I look forward to a swift and favorable resolution.

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