vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : PLAZA SERVIC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear PLAZA SERVIC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: NJ

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 explanation
Consumer complaint received 2024-10-07 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My bank account was closed with Wells Fargo due to fraudulent investment of {$3500.00} from a employer on XX/XX/XXXX. They gave me a new account then proceeded to close my credit card account that had an XXXX debt around XX/XX/XXXX without giving me any notice until XX/XX/XXXX. Since the closed my credit card account its been reflected on my credit reports and effected my pursuit to get any new credit card accounts.

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 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
First Citizens Bank has illegally withheld funds after the closing of my account. My account was closed because I informed them of an employee who was illegally changing my address.

First Citizens owes me money from a refund.

I have requested to speak with a member of leadership to arrange to obtain my funds. First Citizens Bank is refusing to have someone from leadership call me to make arrangements for my funds.

First Citizens Bank has failed to add the interest to the funds they illegally withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kovo
State: GA

Complaint narrative:
Company is a scam. They claim to help your credit but they cost me XXXX points. I am on autopay and was never notified my autopay failed. They claim they sent emails to my email and i never received them. They reported me late for XXXX dollars and my credit dropped XXXX points. They refuse to remove the late payment. I asked to cancel and they are trying to make me pay XXXX dollars when i never recalled signing any contract with them saying i had to pay for 24 months a d couldnt cancel anytime. They have several bad reviews for these similar issues and I hate I ever got involved with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
XXXX was opened without my knowledge or consent. I was XXXX on a XXXX ship when this card was opened. Was disputed as identity theft and no longer on my credit report.

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 2024-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Aidvantage is servicing my loans. They show I owe over {$400000.00} XXXX for unsubsidized loans taken out in XXXX is my new repayment start date. 
Problem with that is that I began repayment of my student loans in XXXX after I graduated from XXXX  XXXX XXXX in XXXX of XXXX. 

This tanked any chance I had at loan forgiveness by the Biden Administration. Besides the fact that I never took out an unsubsidized loan for those amounts. 

I have asked Aidvantage for all documentation through their service portal last XXXX. In XXXX they apologized for the delay but still have not found the loan origination paperwork. 

I have not taken out any student loans anywhere since the fall semester of XXXX. 

Can you help me get to the bottom of this to correct the loan amounts, loan type, and repayment start date? 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Capital Services, LLC
State: IL

Complaint narrative:
Structured Settlement collection agency is repeatedly calling me on my cell phone because they're trying to reach my family member. I've told them this is the wrong number and they continue to call. They're very rude and unprofessional. I am documenting their repeated calls and will take legal action against them if necessary.

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 2024-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: MO

Complaint narrative:
I believe XXXX XXXX and XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nevada, XXXX ( XXXX  ID XXXX ) is operating under criminal collection practices. I mailed a check to this company through my credit union 's bill pay system. The check was received on XX/XX/year> and I waited until around XX/XX/year> to call and start to inquire why it hadn't been cashed and applied to my loan. I talked to XXXX different representatives, that all told me my check had been returned as non-sufficient funds and not applied. I check with my credit union, and this was not the case. I was never charged a nsf by my credit union, and the check had never been attempted to be cashed. I told the representative that this was not true, and I would like to make a payment via phone, XXXX female representatives refused to allow me to make a payment, and stated I was being threatening when I asked for a supervisor to address the call. Further lies were told by the first representative, she stated there were not any supervisors or managers in that day to take calls which I stated to be a lie, and I was hung up on. I tried back and the next representative told me the same lies. This company also sent field call agents to my home address that were parked in my ditch and approached me without identification when I was taking my daughter to school. A second field call representative knocked on our door on a XXXX  interrupting our family time with no identification. We have a newborn baby in the home, and it has become very harassing and stressful to me and my family. I then began to file a XXXX XXXX XXXX complain and began to read other complaints. The other complaints were exactly the same lies I had been told. The representatives told them their checks were never received, or they were returned for nsf and they would argue and lie to them, the customer and not allow a payment over the phone. I believe a federal investigation should be initiated in this companies ' collection methods. It seems they are telling false information to customers and not cashing checks on time to collect more interest and fees for their own gain. I find this company to be a disgrace and would like to request a new mortgage lender to handle my loan. There are lies and harassment being done to customers that is on a criminal level.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Barnhall Financial Services, Inc.
State: MS

Complaint narrative:
This vehicle was repossessed and resold. The amount thats still owed is incorrect. This account was opened on XXXX  and is too old to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was recently a victim of an online scam. I was offered a remote job to enhance product visibility on an online marketplace. The scam required me to put some money upfront and then withdraw it along with commissions after completing daily tasks. The required deposits kept increasing until I couldn't afford them anymore, and then I was unable to withdraw the money I had deposited. 
All the transactions were done via cryptocurrency. 
Please refer to the attached letter for a detailed description of the amounts involved in the fraud.

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 2024-10-07 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: NE

Complaint narrative:
My account with ( XXXX XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30 to 60 days ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I traded in my car, a XXXX GMC XXXX on XX/XX/XXXX at a GM dealership when purchasing another GM car from them. At this time, the dealership was responsible for closing out my lease/loan and taking ownership of the car. 

GM Financial then reported the account as delinquent in XXXX, when the account should have been long closed out, I no longer owned the car, and the account had a {$0.00} balance. The account was not delinquent, I was no longer the owner of the car nor responsible for the lease/loan, and the account in question had a {$0.00} balance. There was no delinquency. 

I have called GM Financial repeatedly over the last few months to have this corrected, each time being told that I need to wait 30 days to see this corrected in my credit report. It never has been. I called again today, at which point I was told there was nothing further they could do and that I would need to file disputes with the credit bureaus to have this corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
At one time I THOUGHT ABOUT getting a loan to consolidate credit cards, but wasn't sure I wanted to do it. After that I was bombarded with emails & phone calls that I IGNORED as I decided not to obtain that loan. SUDDENLY, I find this company on my credit report & have no idea who it is until I do a XXXX search. I NEVER agreed to any loan or any terms or amount from ANYONE! THIS NEEDS TO BE REMOVED from my credit report. It makes it appear i have more open credit than I do.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Climb Credit Inc.
State: CA

Complaint narrative:
Climb credit or XXXXXXXX XXXX  was reporting incorrect information, I cancelled class before the start and the school has been notified them to refund full amount of the loan, but climb credit or XXXX XXXX was ignore about the issue, theyve been reporting all late payments on my credit report which is damaged my credit and ruined it to get my dream home loan. This has to put the very urgent attention of this company, with the damaged and fraud credit reporting, they need to resolve and pay for the damaged of what is happening right now ASAP. Launch service or climb credit state that they has been fixed since XX/XX/XXXX, up on today its not seem like theyre doing anything, I requested the letter head of they send to credit agency. Called and called never been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: OH

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Portfolio Recov Assoc XXXX XXXX XXXX VA XXXX Account number : Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX Tx XXXX XXXX Dear XXXX XXXX  XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: TX

Complaint narrative:
As per XXXX XXXX XXXX Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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