vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally report a matter of great concern related to my credit report. An account that I do not recognize, managed by a collections agency called Midland Credit Management, has appeared on my credit report. I firmly believe this is a fraudulent account and it has negatively impacted my credit score. 

I first became aware of this issue a few months back. Despite not having any knowledge of the debt, I contacted XXXX XXXX to investigate. However, they have been unable to provide me with sufficient information to validate the debt. 

According to XXXX XXXX, the fraudulent charge first appeared on XXXX I have not entered into any agreement or incurred any financial obligation that could justify this account, nor have I received any form of communication or warning regarding this debt before it appeared on my credit report. 

I understand the serious implications of credit fraud and the profound impact it can have on an individual 's life. Therefore, I kindly request your assistance in this matter. Please treat this case as a potential fraudulent activity, and help me in rectifying this issue as soon as possible. 

As required, I have also sent a dispute letter to the credit reporting agencies, challenging the accuracy of this information. I am also keeping a vigilant eye on my accounts and credit reports for any other suspicious activities. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter, protect consumers ' rights, and take appropriate action against any fraudulent activities. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: WLCC
State: MO

Complaint narrative:
I applied for a loan, gave all the necessary and required documentation. I was approved for the loan and was told it would be between XXXX to 2 days that it would be deposited into my account. Hours before the deposit was scheduled, I received an email saying that my application was declined due to a number of reasons. However, those reasons didn't make sense considering the application process. For example, one of the reasons it may have been declined was because they were unable to verify my identity, however they never asked for a picture ID. Another reason they claim the application was declined was because they were unable to verify my bank account information, which contradicts the fact that it was still scheduled to be deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have had a Kohl 's Department store credit card for many years. My sister also has her own account, and we are authorized users on each other 's accounts. I called Kohl 's on XX/XX/2023 and spoke with a representative to further understand my minimum payment prices, because they appeared to be higher than normal. There was inconsistency regarding my expected payments ( sometimes {$29.00}, XXXX, XXXX, XXXX ). He insisted that I have my sister verbalize consent to access her account, but I was calling specifically about my own minimum payments. He became frustrated with verifying information and hung up on me without any resolve. I called on XX/XX/XXXX to make a payment for over {$100.00}. I was notified through email on XX/XX/XXXX that I was several payments behind. I had not previously been notified through phone, email, or text by Kohl 's that I was delinquent on payments. After speaking with a representative on XX/XX/XXXX, they have no record of payment since XXXX. Through the automated system, when I add my SSN, it provided sister 's account information ( which I'm not authorized to have without her consent ), my minimum payment, and presumably my banking information. These payments were never processed on either my account or my sister 's, and neither of us were billed. More confusingly, now on XX/XX/XXXX, it gives her account information, her minimum payment, and her banking information. After calling Kohl 's today, XX/XX/XXXX, they are saying my normal minimum payments are {$36.00}, but they charged me {$100.00} for the months of XXXX and XXXX and another {$79.00} will be billed for the month of XXXX, saying that I owe more because my payments were late. They refused to change this amount due, saying they're not authorized and there was no one else besides another supervisor I could speak to about my complaints. As of XX/XX/XXXX, when I call to the automated phone service and provide SSN, it still doesn't give any of my account information, and no representative has tried to fix this or give appropriate answers as to why this is still happening. My credit score has significantly dropped ( about XXXX points ) during this time. I have been charged higher payments, I have been billed higher interest rates for the late payments, and I still have no confidence in security for my account. I still don't understand how this happened, and have been given no plan of action to fix this by Kohl 's themselves. From my understanding, I was making payments and my accounts were current. During this time, one representative and one supervisor hung up the phone, and I still have more questions than answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened up an accounts with Bank of America well over 35 years ago. There were no monthly fees to be debited against my account. After I turned XXXX, they made a notice on the accounts that were to be " senior '' accounts, with same terms and conditions ( no charges ) Now, they are charging me fees. 
I called the bank at XXXX employee could not help and asked for her supervisor XXXX who in turn informed me that the bank had placed a minimum of {$1500.00} as a balance to avoid charges on all the accounts. 
I do believe these are unfair practices.

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 monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I was purchasing a puppy which was {$900.00}. I sent the money to the person I was making a purchase. within 8 hours I did not receive further communication. I called BOA and told them I thought I was scammed and fraud happened. Then they come back and say they can not get my money back from XXXX XXXX which houses the fraud account used to steal hundreds of thousands. It seems like these banks are promoting theft and fraud and they do not do anything about it as a consumer, this is not fair. You think your money in a bank is protected but I can see they are not.

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 2023-07-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
purchased chase bank cd for XXXX dollars on XX/XX/XXXX XXXX interest was to be dispersed quarterly. a checkfor XXXX dollars was supposed to be sent. it wasnt. Branch manager can not give me a reason or a date when this will. I was told that it wasas sent XX/XX/XXXX but he can not confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
This is in regard to a XXXX XXXX XXXX that was deemed a total loss. The insurance company state farm sent out a check in the amount of {$9100.00}, to the linen holder which is Bridgecrest. The car was also covered by GAP insurance which kicked in on XX/XX/XXXX to cover the remaining {$4800.00}. I periodically checked the account to see if payment for GAP was received to place the account at a XXXX balance. However, that was not the case my balance jump from {$4800.00} to {$8600.00}. I contacted them and spoke to someone by the name of XXXX who total me that GAP was already applied to the account that I owe them the {$8000.00} and change and that the full principal balance was not covered after both payments were received. I checked the account on XX/XX/XXXX and saw that they have reversed all the payments that I have made since I brought the car and now it looks like I still owe them even though I do not. They have received all the payments needed to close this loan but yet still I am still being charged. I now have a new vehicle and pay almost {$700.00} a month for it and I need Bridgecrest to fix my account immediately and stop taking money out of my account for a car that is paid off.

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 2023-07-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I was going through my credit report and noticed multiple debts was added to my credit report by this corporation Nelnet. I have never made an account by this corporation so therefore this corporation can not claim I owe them any payments. Great Lakes has sold the debt to this corporation so therefore Nelnet has had already been profiting and is now the owner of the debt. Since they have profited and is the owner of the debt, then they have the funds to pay off what they owe. I demand that you terminate this debt for I am not obligated to pay this alleged debt. Since this corporation believes, I am obligated to pay them they are by law a debt collector. In pursuant to 15usc1692 ( 6 ) a debt collector is any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. I demand this alleged debt to be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TX

Complaint narrative:
Today, on XXXX Currently there is an existing complaint against Attorney General of Texas and Equifax ( both in cahoots to report inaccurate information on my consumer credit file ). Complaints : XXXX and XXXX. 

This complaint is an addition to the existing complaint. 
The XXXX XXXX XXXX Texas ( hereinafter XXXX ) does not have permissible purpose to utilize my consumer report for any reason. XXXX XXXX support does not arise from a credit transaction and as a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 

1. Since XX/XX/XXXX, I have been reporting the inaccuracies and being ignored. The XXXX and Equifax are knowingly reporting against consumer objections that XXXX XXXX  is in the category of a LOAN and that I am some how a CONSUMER in the XXXX XXXX transaction. This is false. I have never received a loan nor received any credit from the State of Texas. 

2. The XXXX XXXX XXXX  Texas does NOT have : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 

SEE, 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/XXXX ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/XXXX ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
XXXX XXXX  issued a mortgage on XX/XX/XXXX. They transferred my loan to Specialized Loan Servicing during the third quarter in XXXX. In XX/XX/XXXX, the title company handled my mortgage case sent me a letter stating that our mortgage record filed with XXXX XXXX XXXX had missing riders and wanted us to sign documents ( in attachments ) back. And I followed the instructions and sent the signed documents back. Now I want to payoff my loan, and the title officer found there are two mortgage records as followings : dated XX/XX/XXXX, recorded XX/XX/XXXX in XXXX XXXX  XXXX, Page XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the originally stated amount of {$510000.00} dated XX/XX/XXXX, recorded XX/XX/XXXX in XXXX XXXX XXXX, Page XXXX, in the Clerk/Register 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the originally stated amount of {$510000.00} I have contacted both XXXX XXXX and Specialized Loan Servicing to solve the duplicate records about three weeks. The Specialized Loan Servicing simply said they don't deal with titles, and on their end, they can only see I have one mortgage with them. Also, XXXX XXXX in fact is the one on the title. The Chief Operating XXXX in XXXX Bank replied to me that they sold our loan to Specialized Loan Servicing and they can not issue any documents regarding the titles.

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 2023-07-28 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
During the process of submitting for a loan modification, I was told my Amerihomes that there would be no negative reporting or credit activity sent to the credit bureau 's. They failed to process my application in a timely manner which was specified for 30 days on the app and reported my payment late for the month of XXXX. I have been lied to and mislead so many times by this company. Every time I call someone tells me something different than what was advised from the prior rep. I was told that it was initiated already to reverse the negative reporting on XX/XX/2023 and then I called back and XXXX stated she saw no record. I sent in a letter to dispute the reporting on XX/XX/2023 to XXXX XXXX XXXX XXXX, NJ XXXX. Every time I call to follow up I'm told they don't have any correspondence from me. Please help me to resolve this issue. Thanks

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 2023-07-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE Chapter XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

8. The inquiry was not authorized XXXX XXXX A Date of inquiry : XX/XX/2023 Delete this account. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL 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 2023-07-28 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ;

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 2023-07-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I have enrolled in XXXX in XX/XX/2023, a nonprofit debt counseling program, to help me restructure my credit card debt, as I have fallen on hard times. I was trying to avoid XXXX  XXXX bankruptcy. XXXX sends a monthly payment to this creditor, who accepts it, but keeps charging me late fees and over limit fees. They have also reported my account as delinquent with the XXXX reporting bureaus. XXXX has been trying to work with the creditor to remove the default from my credit reports, to reduce the interest rates, and to accept a lower monthly payment, so I can avoid filing for XXXX  XXXX. Instead this creditor is trying to hold my hostage, but charging late fees/overlimit fees/sky high interest rates and strong arming be my reporting I am default/late payments/ when I enrolled in XXXX when there were no late payments or default on my account.

Company response to consumer: Closed with explanation