vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Account name PARAMOUNT RECOVERY SYSTEM I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I presumed that there is no proof of that alleged debt, nor any such debt, in fact, exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The incorrect late payments still appears on my credit report, I have filed a dispute with Experian in XXXX, XXXX, XXXX in regards to reverse my payments on my XXXX XXXX XXXX, These mistakes have a significant negative impact on my credit score The credit reporting agencies have the responsibility of report accurate information I have never been late on this account

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 2025-01-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW XXXX XXXX XXXX Subject : Complaint Against XXXX XXXX XXXX for Illegal Debt Sale and Improper Handling of Collateral Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint exercising 15 U.S.C 1681s ( b ) against XXXX XXXX XXXX regarding their handling of my auto loan account, specifically concerning the sale of my debt to a collections agency and the improper disposition of my collateral, a XXXX  XXXX XXXX XXXX. 

To provide context, I had an auto loan with XXXX for the aforementioned vehicle. Unfortunately, due to unforeseen circumstances, I was unable to continue making payments. The vehicle was involved in an accident and subsequently declared a total loss. I had insurance coverage with XXXX XXXX XXXX, which was prepared to settle the claim for the vehicle. 

However, instead of reaching out to XXXX XXXX to resolve the matter, XXXX took the following actions that I believe are illegal and unethical : XXXXXXXX XXXXSale of Debt to CollectionsXXXX : XXXX sold my debt to a collections agency without properly notifying me or allowing me the opportunity to address the situation with my insurance provider. This action has severely impacted my credit score and financial standing. 

XXXX XXXXSale of CollateraXXXX XXXX XXXX sold my XXXX  XXXX XXXX XXXX without my knowledge or consent. I have documentation that includes a notice of deficiency and a notice of their plan to sell the property. Additionally, I have a receipt from XXXX XXXX and XXXX, which confirms that they picked up the vehicle, and a police report detailing the incident. 

XXXX. XXXXUnjust Expectation of PaymentXXXX : After selling the vehicle and applying the sale proceeds, XXXX is now expecting me to pay a balance on a vehicle that was totaled. This expectation is not only unreasonable but also places an undue financial burden on me. 

I believe that XXXX actions violate consumer protection laws and regulations, and I am seeking your assistance in addressing this matter. I request that the Consumer Financial Protection Bureau investigate this situation and take appropriate action against XXXX for their improper practices. 

Enclosed with this letter are copies of the following documents for your review : - Notice of deficiency - Notice of plan to sell the property - Receipt from XXXX XXXX and XXXX - XXXX  report I appreciate your attention to this serious matter and look forward to your prompt response. Thank you for your assistance in protecting consumers like myself from unfair and illegal practices. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW XXXX XXXX XXXX Subject : Complaint Against XXXX XXXX XXXX for Illegal Debt Sale and Improper Handling of Collateral Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint exercising 15 U.S.C 1681s ( b ) against XXXX XXXX XXXX regarding their handling of my auto loan account, specifically concerning the sale of my debt to a collections agency and the improper disposition of my collateral, a XXXX  XXXX XXXX XXXX. 

To provide context, I had an auto loan with XXXX for the aforementioned vehicle. Unfortunately, due to unforeseen circumstances, I was unable to continue making payments. The vehicle was involved in an accident and subsequently declared a total loss. I had insurance coverage with XXXX XXXX XXXX, which was prepared to settle the claim for the vehicle. 

However, instead of reaching out to XXXX XXXX to resolve the matter, XXXX took the following actions that I believe are illegal and unethical : XXXX. **Sale of Debt to CollectionsXXXX : XXXX sold my debt to a collections agency without properly notifying me or allowing me the opportunity to address the situation with my insurance provider. This action has severely impacted my credit score and financial standing. 

XXXX. **Sale of Collateral** : XXXX sold my XXXX XXXX XXXX XXXX without my knowledge or consent. I have documentation that includes a notice of deficiency and a notice of their plan to sell the property. Additionally, I have a receipt from XXXX XXXX and XXXX, which confirms that they picked up the vehicle, and a police report detailing the incident. 

XXXX. XXXXUnjust Expectation of PaymentXXXX : After selling the vehicle and applying the sale proceeds, XXXX is now expecting me to pay a balance on a vehicle that was totaled. This expectation is not only unreasonable but also places an undue financial burden on me. 

I believe that XXXX actions violate consumer protection laws and regulations, and I am seeking your assistance in addressing this matter. I request that the Consumer Financial Protection Bureau investigate this situation and take appropriate action against XXXX for their improper practices. 

Enclosed with this letter are copies of the following documents for your review : - Notice of deficiency - Notice of plan to sell the property - Receipt from XXXX XXXX and XXXX - Police report I appreciate your attention to this serious matter and look forward to your prompt response. Thank you for your assistance in protecting consumers like myself from unfair and illegal practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW XXXX XXXX XXXX Subject : Complaint Against XXXX XXXX XXXX for Illegal Debt Sale and Improper Handling of Collateral Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint exercising 15 U.S.C 1681s ( b ) against XXXX XXXX XXXX regarding their handling of my auto loan account, specifically concerning the sale of my debt to a collections agency and the improper disposition of my collateral, a XXXX  XXXX XXXX XXXX. 

To provide context, I had an auto loan with XXXX for the aforementioned vehicle. Unfortunately, due to unforeseen circumstances, I was unable to continue making payments. The vehicle was involved in an accident and subsequently declared a total loss. I had insurance coverage with XXXX XXXX XXXX, which was prepared to settle the claim for the vehicle. 

However, instead of reaching out to XXXX XXXX to resolve the matter, XXXX took the following actions that I believe are illegal and unethical : XXXX. **Sale of Debt to CollectionsXXXXXXXX : XXXX sold my debt to a collections agency without properly notifying me or allowing me the opportunity to address the situation with my insurance provider. This action has severely impacted my credit score and financial standing. 

XXXX. **Sale of Collateral** : XXXX sold my XXXX  XXXX XXXX XXXX without my knowledge or consent. I have documentation that includes a notice of deficiency and a notice of their plan to sell the property. Additionally, I have a receipt from XXXX XXXX and XXXX, which confirms that they picked up the vehicle, and a police report detailing the incident. 

XXXX. XXXXUnjust Expectation of PaymentXXXX : After selling the vehicle and applying the sale proceeds, XXXX is now expecting me to pay a balance on a vehicle that was totaled. This expectation is not only unreasonable but also places an undue financial burden on me. 

I believe that XXXX actions violate consumer protection laws and regulations, and I am seeking your assistance in addressing this matter. I request that the Consumer Financial Protection Bureau investigate this situation and take appropriate action against XXXX for their improper practices. 

Enclosed with this letter are copies of the following documents for your review : - Notice of deficiency - Notice of plan to sell the property - Receipt from XXXX XXXX and XXXX - XXXX  report I appreciate your attention to this serious matter and look forward to your prompt response. Thank you for your assistance in protecting consumers like myself from unfair and illegal practices. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: LA

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$14000.00} XXXX  KINDLY DELETE AND BLOCK ALL NONACCOUNTHOLDINGINQUIRIES XXXX DID NOT AUTHORIZE THEM XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: VA

Complaint narrative:
I've sent proper documentation to Money Lion to delete this account from my credit and they still have failed to do so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: TX

Complaint narrative:
The mortgage company failed to inform me that my mortgage payments increased in XXXX. They later returned my payments for XXXX, XXXX and XXXX, and asked me to hold sending in further payments until further notice. When I called them to find out why my payments were being returned, they informed me that the payments were not for the correct amounts. They then told me that my property was in foreclosure and I had to pay a certain amount to have the loan reinstated. The amount they were asking was almost twice the amount I owed for returned payments plus the 2 months that the payments were being held. The mortgage company wouldn't speak with me about the loan because my account was being represented by a chapter XXXX attorney, who also failed to keep me up to date with the issues regarding the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
I had accounts with Community Bank , N.A . ( XXXX ), which were closed under the direction of XXXX XXXX XXXX, the branch XXXX, and XXXX XXXX XXXX, a fraud XXXX. They accused me of being involved in a catfishing scheme without conducting a full or proper investigation. This occurred just before I was set to travel to the XXXX, which significantly disrupted my finances. 

The closure of my accounts caused numerous issues, including the halting of direct deposits and preventing me from accessing funds needed to make timely mortgage payments. Additionally, a loan to help with an overdraft issue, which was initiated by a bank XXXX, was mishandled and has never been addressed adequately. The closure of my account worsened this situation, and now the bank is attempting to collect on the overdraft loan, which is entirely unacceptable. 

Despite multiple attempts to resolve the matter, including numerous emails, the bank has not responded to my concerns, only pressuring me for payment. The lack of resolution has created significant financial hardship for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I initiated a wire transfer from my XXXX account ( banking service provided by XXXX Bank, XXXX ) to my XXXX 's Bank of America account. The wire transfer was returned by Bank of America less XXXX dollars than the original amount. I am certain that XXXX does not charge any fee for sending or receiving wire transfer ; therefore it was Bank of America who charged XXXX dollars. 

I request Bank of America to refund XXXX dollars for the following reason : XXXX. Bank of America does not have any fee schedule on failed or returned wire transfer so that XXXX charge did not have my consent ; XXXX. I am not a customer of Bank of America is this transaction and I should not be responsible for returned wire fee. 

Here are the reference regarding to this wire transfer attempt : XXXX Reference : XXXX, XXXX Bank of America Wire Transfer XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX  XXXX, I was a victim of debt card fraud. Navy federal claimed they did an investigation and denied my claim to refund my money. They closed my card and told me I was not eligible for another card until XX/XX/XXXX. I was advised the account checking account was closed. XX/XX/XXXX, a direct deposit was mistakenly deposited to my Navy federal account, because the account was closed. The funds were routed to my savings account. {$170.00} was taken from my deposit. When I called Navy Federal XX/XX/XXXX, they stated the funds were taken to cover a balance on a charged off checking account. I was unaware the account had a balance, or it was charged off because in XX/XX/XXXX I was told it was closed. The supervisor advised he was unable to refund the {$170.00} due to the account being closed. I requested all calls be pulled in XX/XX/XXXX to confirm the account was supposed to be closed and I had a {$0.00} balance so it shouldn't have been charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: NV

Complaint narrative:
I received a text message from this company, regarding a debt I do not recognize as my debt. In addition, this debt amount is the exact same balance as a another debt on my credit report that I am currently disputing with a different company. This appears to be an attempt by two different companies to collect the same debt from me, which has not been confirmed as my debt. 
I am writing in response to your recent communication dated XX/XX/year>, in which you claim that I owe a debt. I am requesting that you validate this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the fo

llowing information so I can properly assess the validity of this debt : 1. The name and address of the original creditor. 2. A copy of the written agreement, contract, or other documentation that establishes this debt.

3. An itemized accounting of the debt, including the original amount, any fees or interest added, and how these charges were calculated. 
XXXX. Proof that you have the legal authority to collect this debt, such as a copy of your agreement with the original creditor. 
XXXX. A complete record of all payments made and their application to the balance. 

Until you provide proper validation of this debt, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies, as failure to validate the debt could be a violation of the FDCPA. 

Additionally, if this debt is found to be invalid or can not be verified, I request that you inform all credit reporting agencies to whom you may have reported this debt, and remove the listing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
If the hospital doesn't send me a bill I do not have to pay the bill. I should receive notice of a bill before it is sent to a debt collection. 
MID SOUTH ADJUSTMENT C Account XXXX How do I know how much the insurance company pays without a bill. My physic ability isn't working at the moment. If they send me a bill I will pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: RI

Complaint narrative:
I am disputing items with XXXX XXXX and they keep rejecting my letters, without even opening them, they come back saying refused. this has happened XXXX already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
WESTLAKE PMXXXX {$18000.00} Westlake PM wrote this account off on their taxes as a charge off/profit loss/written off as bad debt and did not provide me with a 1099C. I have been contacted numerous times regarding this debt. I have been unable as a consumer to write this debt off as income. At the same time Westlake PM is continuously reporting this account on my credit report that I owe the balance even though their company took a tax break. I am well aware of my rights as a consumer and know that they are in violation. My report is inaccurate and my credit report causing me financial hardship. Under the FCRA, I am allowed to sue for statutory damages since Westlake PM is furnishing inaccurate information about this debt that is incorrectly reporting as a charge off while still claiming I owe the debt. I plan to exercise my right to report Westlake PM to the IRS.

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