vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
On or about XX/XX/XXXX, and XX/XX/XXXX, I dispute the charge-off account CREDIT COLLECTION SERVICE for the following reasons : After reviewing my credit report, I have identified discrepancies that I would like to dispute. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as a consumer I have a right to question the inaccuracies of my credit report and to dispute any information on their credit reports that are believed as inaccurate, incomplete, or outdated. I requested that CREDIT COLLECTION SERVICE investigate this charge-off account and verify its accuracy.

I formally requested an investigation into the inaccuracies concerning the above account with CREDIT COLLECTION SERVICE, with proof of my signature on any documents or agreements related to the account, including but not limited to contracts, applications, or authorization forms, and requested that CREDIT COLLECTION SERVICE to correct or remove the erroneous information from my credit report as soon as possible. As a recipient of public assistance, maintaining an accurate credit report is crucial for my financial stability and well-being. 

Since CREDIT COLLECTION SERVICE was unable to verify the accuracy of the charge-off account within 30 days, I requested that CREDIT COLLECTION SERVICE remove it from my credit report as required by law. 

CREDIT COLLECTION SERVICE has refused to remove this from my credit report, and has not fulfilled my investigation request by providing me with the above request as a consumer by law. 

I am requesting that CFPB take further investigative actions into this matter with CREDIT COLLECTION SERVICE. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the results of your investigation and the resolution of this dispute. 

Sincerely, 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 2024-04-03 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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 2024-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC.
State: GA

Complaint narrative:
Learned of debt following a credit check contacted servicing company to dispute collection via certified mail have yet to receive correspondence from agency. Did not approve or utilize any contracts or business to be conducted with any affiliates of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open accounts with creditors, schools, the IRS and has attempted to do much more. I did not open or authorize these accounts, and I therefore request that they be closed immediately. I also require that these companies absolve me of all charges on these accounts and that they take appropriate steps to remove information about these accounts from my credit profile. 

The following information does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've consistently maintained punctual payments on this account, never allowing them to lapse into overdue status. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UPGRADE, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received an email alerting me that my Upgrade loan was turned over to a collection agency called XXXX XXXX XXXX. I did not contact them immediately due to a hectic schedule, which included being a XXXX, going through a XXXX, and working a full-time job. Additionally, I had two illnesses in XXXX that sent me to XXXX XXXX. On XX/XX/XXXX, I was hit head-on by a XXXX XXXX. I am still recovering and under a doctor 's care. I am not making excuses, but I have been a little busy. This morning, I received a call from XXXX XXXX at XXXX XXXX. Initially, he did not identify himself or why he was calling. He began by asking if I was XXXX XXXX XXXX. He then stated by exact birthday including the year. This was alarming. I thought it was a scam or identity theft. I tried cutting him off to determine who he was, but he kept talking over me and mentioning more of my private information. When he finally told me who he was and that I owed {$17000.00}. I told him that was more than I initially borrowed and that I had made regular payments for over a year. I told him I was walking in to work and could not talk but he kept talking. He demanded I pay the full amount today. I told him it was obvious I did not have it. I told him I was at work. I said call me after XXXX XXXX tonight. He said he did not work that late. He said I needed to find time to talk to him today or I would be turned over to an attorney who would garnish my wages. I told him I am too busy today to speak at all. He would not let me off the phone until I agreed to speak with him tomorrow at XXXX XXXX XXXX 
My complaints : ( 1 ) Rude and pushy ( 2 ) Threatening phone call ( 3 ) Refused to call its convenient for me. he coerced and bullied me into accepting a call at an inconvenient time.

( 4 ) Kept talking and refused to hang up after I told him I was at work. he kept talking as I entered the building and people greeted me.

( 5 ) The interest rate they are charging is 5 % higher than the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I signed up for a PayPal business account, and the signup process went very smoothly. However, once the processing was complete, I received a notification as part of the CIP program stating that I needed to get my identification approved in order to start using my account. 

I made several attempts to upload the required documents from my end, but despite my efforts, I couldn't find a solution. I called support and explained the entire situation so that my issue could be resolved promptly. 

The limitations department informed me that I needed to send them my PHOTO ID, Social Security Proof, and Utility Bill so they could fully verify me and onboard me properly. 

Unfortunately, after checking my email today, I was deeply saddened to find out that instead of approving my account, it was permanently restricted for no apparent reason. If my information isn't being verified, then what's my fault in this? 

I kindly request the management to manually and properly review the relevant documentation I submitted and make the decision that is best for my account. 

I'll be waiting for your positive response!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Last XXXX, my mortgage was sold to Planet XXXX Mortgage. It has been an absolute nightmare. I've never missed a payment, been late, or delinquent of any kind. Since XX/XX/XXXX, my online account has been unavailable. I have called numerous times every single month while having to make a payment by phone. I complained each time and have emailed them screenshots of the error. Today, XX/XX/XXXX, I was informed that my payment has jumped from {$1400.00} ( originally XXXX & change btw ) to {$1800.00}. I received absolutely ZERO prior communication. Today only, they claim to have mailed something in XXXX that was not received. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran. I only escrow for convenience. When I asked about removing escrow, I was told I could request it in writing after paying a shortage amount of {$1000.00} ( found in XXXX XXXX from XXXX ) and provide a paid in full insurance policy. I then asked how long until I was out of escrow and was informed that they can deny the request for their reasons. I asked what the requirements were and denial reasons. She refused to give me any information. I asked to speak with the escrow department and was told they do not speak with people. She verified if I send a handwritten letter, {$1000.00}, and a paid policy ; still deny removing my escrow and XXXX would be the only company issuing any refunds. My requests to speak with a manager, a supervisor, or have an escalation were ignored at the very least 4 times by at least XXXX different people. until this afternoon. They refused to alter the payment in any way and I'm at loss as to what to do. Also, the XXXX XXXX verified that my insurance has not increased, their numbers are wrong, and this is all bad accounting. Planet Home Lending has been sued multiple times and I can see why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries am complaining.

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX ID # XXXX refused to share with me when capital one reports to the credit bureau upon request. I gave her my name and personal information, when requested for verification. I told her I no longer had an account, just wanted to know when my credit report would reflect the account closure. She could not figure out how to verify me. I asked to speak with a colleague of hers and she told me they won't be able to either. I asked to speak to her supervisor and she told me no. I then asked for her name and identification number so I could report her. 

I called back and immediately connected with the most pleasant guy ever who promptly gave me the answer I sought. Someone somewhere needs to have a sit-down with XXXX and maybe re outline her job description.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Hello and thank you for your help. I completed the recertification process with Mohela on XX/XX/XXXX, as they indicated that my recertification was due by XX/XX/XXXX. Subsequently, on XX/XX/XXXX, Mohela placed me on administrative forbearance. Following this, they processed my IDR submission from XX/XX/XXXX, and informed me that my next payment of {$270.00} is due on XX/XX/XXXX. 

However, on XX/XX/XXXX, the government announced that recertifications for income-driven repayment plans were extended to at least XX/XX/XXXX. They also stated that individuals, like myself, who recertified and experienced an increase in their monthly payments, would be reinstated to their previous plan and payment amount before recertification. 

On XX/XX/XXXX, I spoke with XXXX ( agent number XXXX ) from Mohela 's advance team, requesting to be placed back on my previous save plan with a monthly payment of {$0.00}. XXXX assured me that this change would be processed, providing me with a case number ( XXXX ) and indicating that I would be returned to my previous plan by XX/XX/XXXX. However, as of XX/XX/XXXX, this change has not been implemented. 

Furthermore, during administrative forbearance, I have accrued {$1500.00} in interest to this date. As per a communication from the Department of Education, interest accrued during administrative forbearance will be waived. ( Attached please find the communication by the Department of Education regarding this. ) Therefore, I kindly request that my account be reinstated to my previous save plan with a monthly payment of {$0.00} and that the interest accumulated during this administrative forbearance period be waived. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Subject : Dispute Notification - Cavalry Port To whom it may concer, I am writing to express my utmost dissatisfaction and concern regarding the handling of the account associated with Cavalry Port on my credit report. It has come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) concerning this account, and I am requesting immediate action to address this issue.

Specifically, I am formally requesting a full debt validation, which should include the following details : Original Contract : Please provide a complete copy of the original contract between the purported creditor and myself concerning the Cavalry Port account.

Original Creditor : Kindly state the name and contact information of the original creditor linked to this account.

Original Open Date : Specify the precise date when the Cavalry Port account was initially established.

Date of Last Payment : Clearly outline the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the Cavalry Port account was officially closed, if applicable.

I am fully aware of my rights under the FCRA, and it appears that there has been a failure to fulfill obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter.

Failure to comply with this request within [ 15 days ] from the date of this letter will leave me with no alternative but to take legal action to enforce my rights under the FCRA. Please regard this as formal notice of my intention to do so.

I anticipate a timely response, accompanied by the requested documentation, to be sent to the address provided above. Additionally, I request that any corrections made to my credit report be promptly reflected. 

Sincerely, XXXX XXXX Concerns : Security and Wire Fraud Negative Status and Charged-off Accounts Extortion and Lack of Validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: I.C. System, Inc.
State: SC

Complaint narrative:
I am writing to complaint to I CSYSTEM about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX SC, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I sent in a conditional acceptance validation of debt letter to the financial institution Credit Acceptance Corporation for a vehicle that was purchased on XX/XX/XXXX, which was delivered on XX/XX/XXXX, asking them to validate the debt they claim I owe before any more payment is made. It is now XX/XX/XXXX and I have not received a sufficient response even after requesting for so multiple times. I then proceeded to put them in default with a way to cure the problem but they wrote back and told me they were not going to respond back to me because they showed me all they can provide which was a fraudulent contract. So I sent a cease & desist on XX/XX/XXXX. On XX/XX/XXXX around XXXX XXXX there was a repossession attempt on my vehicle. My vehicle was up for repossession which should not be because the debt was never validated and I was not notified about my car being up for repossession.

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