vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
I have new and updated information regarding complaint number XXXX. Dunlap Gardiner provided false and misleading information alleging that complaints to the bureau are of the same manner. However, the complaints submitted detailed the facts of how Dunlap Gardiner has and continues to attempt to violate my rights as a consumer with its extortionate attempts to collect an alleged debt not owed. Dunlap Gardiner has also failed to provide the original instrument of indebtedness evidencing my wet ink signature or proof that this instrument exists upon numerous requests per previous complaints through the Bureau. Instead, Dunlap Gardiner abuses its authority as a debt collector by harassing me to coerce payment by making false statements, using false, misleading, and deceptive documents alleging that an agreement was made without providing proof of their alleged claims. A debt collector does not have the right to state that a consumer owes anything. In closing, law isnt about someones belief, opinion, or feeling, law is about what can be proven, and each complaint submitted is detailed proof of how my rights as a consumer was and continues to be violated by this debt collector. The purpose of the FDCPA is to eliminate such abusive, deceptive, and unfair debt collection practices in order to protect consumers from such abusive and predatory acts as displayed by Dunlap Gardiner and its client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX Creditor Name : 700 CREDITXXXX XXXX  Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Hello! I have collection accounts that i never had and companies want me to pay money that i never owe. Im XXXX XXXX about it because it stops me from living like normal person or even criminal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Company calls me constantly and from different numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: ME

Complaint narrative:
I'm part of the PSLF program and reached my 120 payment total and submitted the final employer certification in XXXX XXXX XXXX. Right around this time, my loans were moved to MOHELA. A year later, my loans still have not been discharged and MOHELA can't tell me why or where in the process my application is. They have stated to me that in order to discharge my loans, Federal Student Aid needs to let them know what my final payment count is, which happens after an automated communication from MOHELA is sent when I reach 120 payments ( MOHELA also states that there is no record of this automatic communication, so they can't look up if it has happened or not ). After contacting FSA twice, I have been told both times that this is not true and that MOHELA is responsible for the entire discharge process, and that FSA is just notified when it is completed. While digging into my fifth phone call with MOHELA during the year, I was told by one of their supervisors that FSA is not being honest with me because they don't want me to call them, and that it has been so long with my loan because the Department of Education has a computer glitch to figure out ( the representative said that they've seen this before ). 

XXXX XXXX XXXX it's been a year since my loans should have been discharged for PSLF, and both MOHELA and Federal Student Aid are pointing the finger at each other and neither company can give me any answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am behind on payments and under Foreclosure with a Sale Date on XX/XX/2023 ; i have been applying for the XXXX XXXX XXXX XXXX where i am eligible for them to pay for my debt ; when they contact my lender SPS they inform XXXX XXXX XXXX that my home is an " Investment Property '' and this is my " Primary Home '' ; that results on me to be declined on my application multiple times. I called my lender SPS to request to stop saying XXXX XXXX  that my " Primary Home '' is an " Investment '', they assured they changed the category on XX/XX/2023. I re-applied for the program on XX/XX/XXXX and i got denied again for the same reason " My home is not eligible for ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2023, I filed disputes on my credit reports with Experian, XXXX and XXXX after learning that I had been the victim of identity theft, with an unauthorized credit account being opened for {$1000.00} in my name with XXXX. I filed my FTC identity theft complaint, as well as my police complaints, along with my filed disputes. By XX/XX/2023, XXXX and XXXX had removed the unauthorized account from my credit reports. 

Experian subsequently updated my account to also remove this unauthorized account, only to subsequently add it back to my report and the " credit grantor subsequently certified the accuracy '' of the account. When I attempted to submit additional documents in support of my dispute, namely a document from XXXX stating that I am not responsible for the account, which goes entirely contrary to what Experian claims the creditor told it, Experian told me that it would no longer be investigating my dispute and accused me via email of either : ( XXXX ) materially misrepresenting this fraudulent activity ; ( XXXX ) agreeing in writing that the information was blocked in error ; or ( XXXX ) knowingly obtaining or should have knowingly obtaining possession of the goods pursuant to this transaction. No other credit agency has found this to be true and I have a document from XXXX stating that I am not responsible for this account that Experian is unwilling to review.

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 2023-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Centralized Business Solutions Company
State: OH

Complaint narrative:
After the collection agency had called me 3 or 4 times, leaving a voicemail message, I returned their call and asked that they do not call me, that they can send notice by mail to my address, since I only use my phone for emergency purposes. The agent replied " we tried that and it didn't work ''. I hung up on them at that point and have never answered any of the over 50 calls with voicemail they've made. Call frequency is to call back in 1 to 5 days later. Most often they will call every 2-4 days. This has gone on for at least 6 months and I feel harassed. 
The agency has already entered a non-payment record in my credit report, yet still tries every 2 and 4 days to contact me. I have blocked the # but it still goes just immediately to voicemail and they always leave the same recorded message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
Im filing this complaint against south state bank, I tried to open a checking account in a branch in XXXX ga, I met by a financial advisor and the branch manager, I was made to feel not welcomed and was lied to by the financial adviser and branch manager, I explained I was a victim of identity and I should absolute proof of my situation, I tried to open an account online but I was told by the branch manager, there was no indication you couldnt open a account at the branch thats the first lie and then went into the branch, felt get uncomfortable I tried to explain what had happened to me but they didnt care then the financial adviser ran my information knowing I should then proof of my identity theft, the second comes in from the fact that they ran my information through XXXX, I sent an identity theft report to XXXX to remove inquiries because they were fraudulent and accounts there were no accounts, but I was treated with disrespect and made to feel just that bad and was lie to by both the financial advisor and the branch manager, I am a XXXX and even showed them my drivers license to prove and still was treated badly and nobody wanted to help, but the financial advisor said XXXX a decision had to come from the branch manager to open and account, both lied several times over this is the worst possible experience I have ever encountered, I even ask about second chance checking, was lied to about that, can someone please contact me and help me, I was coming from XXXX XXXX after they caused my identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank made an internal error thinking I deposited a 3rd party check, which is incorrect. They admitted it was their mistake but closed my account anyway.They simply overlooked the DBA. I am the sole signatory on all the accounts. They closed my account without notice and said it would be 45-60 days before I could get my funds ( approximately {$46000.00} ). I have tried weekly to get my funds or update. This occurred on about XX/XX/2023 and I have still not received my funds. I have SERIOUS health issues... .XXXX XXXX XXXX. I had to miss treatments because I lost my insurance while trying to collect my money. This is lXXXX XXXX. I can not even purchase my normal medicine right now. I haven't paid my rent, or my employees ... this is hideous.

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 2023-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/23 I inquired the scammer about a rental apartment unit they advertised on XXXX. The following day, XX/XX/23, they requested a {$75.00} application fee be sent via XXXX in order to process my submission. After they approved the application, they requested {$1000.00} sent via XXXX as a down payment. We agreed on me sending {$500.00} first, then the remaining {$500.00} after I received the keys and legal documents for the rental unit. They sent pictures of their alleged photo ID to " verify '' their identity and authenticity. However, after I sent the {$500.00}, they insisted on me sending the additional {$500.00} via XXXX before any further action. At this point, I tried reversing the transaction, as they repeatedly stated that all payments made were refundable. They refused to send my money back unless I sent them an additional {$100.00} via XXXX. They claimed their bank would not allow them to send the money unless I was in their transaction history, thus the {$100.00} XXXX request. I did not send any additional money and filed complaints and disputes with my bank, J.P. Morgan Chase, the FTC, New York 's Attorney General 's office, and XXXX on XX/XX/23. None of the aforementioned parties have contacted me since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In review of my Credit report, the following acct has been pd in full satisfactory to XXXX XXXX XXXX  by Washington State landlord mitigation program. 
A collections has been placed against us for a balance that can not be collected as once payment was submitted, XXXX XXXX XXXX  were not aloud to submit for another bill unless documentation was fully submitted and it was not. 

Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX holder : XXXX XXXX XXXX Balance : {$950.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In review of my Credit report, the following acct has been pd in full satisfactory to XXXX XXXX XXXX  by Washington State landlord mitigation program.

A collections has been placed against us for a balance that can not be collected as once payment was submitted, XXXXXXXX XXXX XXXX  were not aloud to submit for another bill unless documentation was fully submitted and it was not. 

Original creditor : XXXX XXXX XXXX  Debt holder : XXXX XXXX XXXX Balance : {$950.00}

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 2023-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I had a vehicle financed through American Credit Acceptance. I purchased vehicle in XXXX of XXXX. I have made on time payments for the past XXXX years. On XX/XX/XXXX, my vehicle was damaged and was determined to be a total loss. My wife spoke with a representative with American Credit Acceptance in regards to working with both our car insurance carrier and the company we purchased the car from. We were informed that the representative would work on our case and that we would be notified with a decision. We did not hear anything after that point. We are in the process of purchasing a home and on XX/XX/XXXX, we found out from our loan officer that American Credit Acceptance had posted a late payment on my credit report. I was shocked to learn that there was a remaining balance on my totaled vehicle and that a payment was delinquent. I had not been contacted with any of this information. My wife called American Credit Acceptance today ( XX/XX/XXXX ) explaining that we have made on time payments for 2 years and that we were unaware there was a balance owed. My wife requested that the late payment status be waived and removed from my credit report because we have always been on time with our payments. She made them aware that this late payment status was affecting our ability to close on our new home. My wife was told that there was nothing the company could do. The company stated a letter was sent on XX/XX/XXXX explaining there was still a balance. My wife let them know we had not received any letter. If we had, we would have made payments again. The representative for the company acknowledged that we had not received the letter and offered to have it emailed instead. She was then told that we could file a dispute with the credit bureau that could take XXXX business days to resolve. My wife told the representative that the time frame was too long, as we are closing on our new home at the end of the month. The representative stated there was nothing else the company could do. I feel we are being penalized because the company did not follow up with us about our total loss claim as promised. I have impeccable payment history with this company. The " late payment " status is a result of poor communication on behalf of American Credit Acceptance. This decision could jeopardize my family 's housing situation as we must leave our current residence by the end of the month ( XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

The letters are stated with items and issues.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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.

The letters are stated with items and issues.

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