vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Medical Management, Inc.
State: LA

Complaint narrative:
On XX/XX/2024, Financial Recovery Services contacted me requesting payment for a lab services done by XXXX XXXX. The collector could not provide information on type of service, how I received the services, or how I became obligated for services I am unaware that I have received. I was told that if I did not pay by credit card immediately and wanted to receive any documentation I would be assessed a large collection fee. Subsequent to the call, I reviewed my calendar, EOB 's and lab results on my various medical providers. I was not able to find any reference to services from XXXX XXXX. I called Financial Recovery back on XX/XX/2024 and relayed the above information and again I was told if I wanted information, I was going to incur additional charges. I told the representative I was not going to pay anything without some evidence I got services I owed and instructed her to send me the bill. I am XXXX XXXX XXXX and paid each and every debt I incurred. I was refused a mailing address for Financial and XXXX. I PAY MY DEBTS!!!!!!!

Company response to consumer: Untimely response
Consumer complaint received 2024-02-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
Mortgage transferred from XXXX XXXX to Select Portfolio servicing, XXXX ( SPS ) on XX/XX/XXXX. I received a letter stating SPS needs to update information. 
XX/XX/XXXX - SPS sent An incorrect Escrow analysis to me. 
XX/XX/XXXX - Sent request to SPS to include hazard insurance in escrow. 
XX/XX/XXXX - Acknowledge letter sent to me from SPS. 
XX/XX/XXXX - Escalation Letter sent to me from SPS regarding the escrow account inaccuracies, issue would be resolved in 30 days. 
XX/XX/XXXX - Second acknowledgement letter sent to me from SPS for escrow account? 
XX/XX/XXXX - Extension letter from SPS sent to me, stating they are extending the request for a corrected escrow out 30 days. 
XX/XX/XXXX - Letter of apology for not including the hazard insurance on the escrow. No corrected escrow statement has been provided. 
XX/XX/XXXX - No escrow statement to this date of writing. 

I have made numerous phone calls, been transferred back and forth, to no avail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PREFERRED CREDIT INC
State: AZ

Complaint narrative:
told won free unit. in person visit. signed up for loan etc by false statements and coersion. experienced computer hack/lockup/data breach shortly after providing this company with ALL my information ie : SSN Bank information did NOT want this item TOO expensive I am on social security and now face possible identity theft and take over of my social security account. Can not pay this and tried to call to cancel but when finally got to talk, said 'PAST time to cancel so can not '' stated " first payment due XX/XX/year>. 
All negotiation was on my cell phone, could NOT see document, then computer hack and data breach - computer locked down. 

unable to attach photo of XXXX  paperwork but included the loan number above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USC 1681-s. 

The collections account in question, associated with CAPITAL ONE, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, CAPITAL ONE, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, CAPITAL ONE has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law. 

I am disputing any ownership of debts to CAPITAL ONE. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I was denied an auto loan based on my credit score according to navy Federal. Months later I received a letter stating that they may have made a mistake by denying me. At the time of my loan request my credit score was at or above XXXX. So I was at lost for why I was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AUSSRQ Holdings, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing to file a complaint against Oliphant USA LLC for violating several consumer protection laws, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). I am requesting that the collection agency be removed from my credit report due to these violations. 

According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is prohibited from making false or misleading representations about the character, amount, or legal status of any debt. However, Oliphant USA LLC has repeatedly misrepresented the amount of the debt owed, leading to inaccurate information being reported on my credit report. 

Furthermore, 12 CFR1006.34 ( c ) ( 4 ) ( I ) states that a debt collector must provide the consumer with a written notice containing certain information about the debt within five days of the initial communication. Oliphant USA LLC failed to provide this written notice, thereby violating this provision.

Additionally, 12 CFR 1006.34 ( d ) requires debt collectors to provide accurate information to credit reporting agencies. However, Oliphant USA LLC has consistently reported inaccurate information about the debt to the credit reporting agencies, resulting in a negative impact on my credit score.

Moreover, 15 USC 1681-S2 ( 7 ) ( A ) prohibits the reporting of inaccurate information to credit reporting agencies. Oliphant USA LLC has violated this provision by reporting inaccurate information about the debt, which has adversely affected my credit report.

I demand that Oliphant USA LLC be removed from my credit report immediately due to these violations of consumer protection laws. I also request that the collection agency cease all further collection activities and refrain from reporting any further inaccurate information to credit reporting agencies. Also, this is dated on my credit report for XX/XX/XXXX, but the statute of limitations in NY is 3 years. 

I appreciate your prompt attention to this matter and look forward to a resolution in a timely manner. Thank you for your assistance in addressing this issue. 

Showing on XXXX XXXX Acct # XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your 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 non-monetary relief
Consumer complaint received 2024-02-14 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: PA

Complaint narrative:
My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. 
Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my consumer profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). Their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my consumer report immediately.

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 2024-02-14 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: NC

Complaint narrative:
XXXX I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain

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 2024-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Dear Credence, I trust this letter finds you well. I am requesting verification of the alleged debt, specifically, a copy of the original purchase agreement. Please be aware that the agreement must be with original creditor and signed by all parties involved. I am requesting this because I've had other agencies reach out to me in regards to the same debt. 
Also I kind request that you also send the following : 1.Verification of the original creditor, XXXX XXXX XXXX XXXX XXXX 
2.Detailed proof of the amount owed, encompassing any fees, interest, or additional charges. 
3.Clear documentation establishing Credence legal authority to collect this debt. 
4.Copy of Purchase Agreement I am also requesting deletion of all prior reporting made to any of the consumer reporting agencies i.e. XXXX XXXX XXXX XXXX XXXX 
Please cease all collection efforts until this alleged debt is validated as accurate and complete. Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
XX/XX/2024 I received a ping on my phone that I was overdrawn on my Cerulean Mastercard account. Impossible. I made my minimum payment of {$47.00} before XX/XX/2024 which is my due date. That was recorded. I then recieved a notice from the same company that I was {$130.00} in the red. I had made no other purchases on this account since paying the {$47.00}. 

I am contesting and challenging the financial predatory lending of this institution which has made me lose XXXX points off my credit because now my utilization is off the charts, and they are the culprit of this engineered predatory scheme to extort me extra fees that are not warranted nor are they entitled to. 

I made my payment on time. I have attached the payment which was made on time. The {$30.00} late fee ( unwarranted and fraudulent- I paid before the XXXX of XXXX ), the {$36.00} addition interest on a purchase ( none of these charges were authorized by me., ( late fee I did not owe and did not authorize, the interest on the purchase ( I did not authorize ) on the statement that I have attached it says authorized ( NOT BY ME AND WITHOUT MY CONSENT OR KNOWLEDGE ).. THIS IS PREDATORY LENDING AND I WANT TO CHALLENGE AND DISPUTE THIS XXXX AND EXTORTION OF LENDING SERVICES PRACTICED BY THIS UNETHICAL PREDATORY ESTABLISHMENT AGAINST ME. 

PLEASE HELP ME RID THIS PARASITICAL PREDATORY PRACTICE OF EXTORTION AS A CUSTOMER BY THESE SHARK LENDERS WHO DESTROY CREDIT, AND INFLATE RATES. THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
While reviewing my Experian credit report, I noticed that an account was added twice to my report. Both accounts have different balances. This is an error. I am requesting for both of these accounts to removed immediately. As you are already aware, under the FCRA, consumers are entitled by law to an accurate, fair, and private credit report. This creditor has violated all three by adding these accounts to my report. As a result, my credit scores are reflecting this erroneous information. So again, I am requesting for BOTH of these errors to be promptly removed from my report. 

Thanks. 

XXXXXXXX XXXX XXXX shows a balance of {$2900.00} XXXX XXXX XXXX shows a balance of {$0.00} Both accounts share the same account number ( 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 2024-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
XX/XX/XXXX I received an alert from credit monitoring service that a new collection is reporting and my score dropped XXXX points. Upon investigation Jefferson Capital Systems LLC is reporting a debt of {$340.00}. I don't know this company nor do I owe this company. This is the same debt I reported to CFPB back in XX/XX/XXXX that collection agency agreed to have removed from the credit bureau. I am an elderly XXXX person who spent the most of my morning talking with Jefferson Capital about an alleged debt from over 7 years ago. They could not provide me a copy of the bill nor could they even verify if any notices sent out to me before reporting to credit bureau. Their response to me is to call them back? I requested XXXX phone number and they stated not to call XXXX because it is not their bill it is Jefferson 's now. I am so confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
We have been paying our mortgage and never been late on a payment. The company collects XXXX in escrow payment from us every month. We just got a notice from our insurance company ( XXXX XXXX ) saying that the mortgage servicer never paid them, and our policy will be canceled on XX/XX/XXXX unless they are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Temple View Capital Funding, LP
State: DE

Complaint narrative:
After speaking with lender nearly everyday and being assured that a clear to close was due that day or the next, a settlement was finally set for XX/XX/2024. Mortgage broker assured us the buyer had met all obligations and proof of funds and we were scheduled to close. On the night of XX/XX/2024 we received a denial letter from Lender stating they don't like the neighborhood/geograghy therefore the loan is now denied. This last second reversal is both iilegal ( redlining ) and unjust. This is now costing all parties thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 2024-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX informing me of a debt they were trying to collect for XXXX. I have had the same phone provider for almost 10 years now, so I replied to the email on XX/XX/XXXX asking them to please verify the debt they're claiming is mine. I have not received anything from XXXX XXXX. I am however getting bills from them, the most recent being XX/XX/XXXX.

Company response to consumer: Closed with explanation