vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received an Amex Gift Card and activated it as required before it could be used. The Amex website portal XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows a balance. I have attempted to use these funds with various online merchants such as XXXX and XXXX ( using {$1.00} less than the face value of the card ). And all the transactions have declined. I then tried again with various other amounts less than the full face value with no success. Many people have reported having this problem starting this past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc.
State: GA

Complaint narrative:
Instructions given to the indenture trustee XXXX XXXX XXXX XXXX XXXX regarding account XXXX for PORSCHE FINANCIAL SERVICES have not been executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
We purchased our home in 2017 with XXXX XXXX XXXX .We were never notifies that our home had been sold to a debt collector. Our home was in good standing and we weren't behind on any payments .We would like some information from Shellpoint Newrez of our signature indicating that we signed a promissory note with them as well as us signing a contract with them .Our payment with XXXX  was {$1500.00} and now since being with Shellpoint our payment is now XXXX we were never notified of any of this .We do know that we are protected under Fair Debt Collection Protection Act .Please Assist us with this thank you kindly .They also are charging us for Hazard insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
The school I attended is included on the XXXX XXXX XXXX school list. The finance department at XXXX misrepresented the price of the student loans, the misrepresented the final payment, and they pressured me into Student Signature loans. They misrepresented the potential for employment and job placement after graduation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Illinois, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : Complaint Against Midland Cred Collection Agency for Violation of Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against Midland Cred Collection Agency for multiple violations of my rights as a consumer. The agency has engaged in practices that directly contravene the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) and other relevant statutes.

1. Midland Cred Collection Agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe.

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt.

3. Midland Cred Collection Agency has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers.

4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), Midland Cred Collection Agency is flagrantly disregarding consumer protection statutes.

I demand that the Consumer Financial Protection Bureau investigate these egregious violations committed by Midland Cred Collection Agency and take appropriate action to rectify the situation. Additionally, I request that the agency cease all collection activities until these matters are fully resolved.

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently pursue this complaint and ensure that my rights as a consumer are upheld. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Someone opened a credit card I did not apply for. i got an email for this.

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 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am unaware of the debt with Midland Credit Management. I didn't get the opportunity to dispute this debt. I did not receive proper notification. If, in fact, you believe I got the proper notification, please provide the certified mail with the receipt, with my signature on it stating that I received it. Midland Credit Management didn't provide me with any proof that I asked for above because they never sent me anything through certified mail and they don't have my signature to prove that I received any proper notification from them. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute inaccurate information directly with the furnisher, but they have failed to investigate or correct the errors as required by law. If the furnisher can't provide the proof I asked for, they need to remove the negative account from the credit reporting agencies they report to. Anything less will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hard inquiry XX/XX/2024 from XXXX XXXX XXXX XXXX  Done without authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I purchased a XXXX and a XXXX kia optima from XXXX kia in XXXX Illinois,. 
31 USC 51 18 D Sect.2 the promissory note paid for the car. 
My first payment went to a debt collector. 
A debt collector can only have possession if I'm behind in payments. 
This debt collector is not protected as they purchased my debt in good standing. 
It is illegal to have possession of my debt when in good standing. 
15 USC 16 92 F part 6 15 USC 6802 USC 1681 sect 602 Right to Privacy USC 1681 sect. 604 A sect 2 I did not give any consent.

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 2024-03-31 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX I am a victim of an improper reinsertion of credit data. The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. It says I had his card in the year of XXXX which is COMPLETELY FALSE! Please check your records. 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXXXXXX XXXX Account Number # XXXX opened on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX Please remove this account from my credit report because Experian is continually reporting charged off status in the payment history all the way until XX/XX/XXXX when this account has been charged off since XX/XX/XXXX. 

You can not report a payment history on a dead account and it falsely manipulates the statute of limitations on when this account is supposed to fall off. 

This is a violation of my consumer rights. Please delete this account 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 explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XXXX XXXX a direct deposit was from my employer at XXXXXXXX XXXX Of the amount of XXXX and was sent to a guy name XXXX XXXX. I don't know anyone by that name. My direct deposit went to this person since the XXXX XXXX. I still haven't resolved my dispute and my payroll is gone. I uploaded all documents to chime and been calling and nothing is being done to refund me my direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX XXXX ; in sui juris, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX CEO & Manager, I Have no knowledge of this Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX, I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX ; or XXXX XXXX XXXXXXXX XXXX XXXX ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab initio! 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 an account without my written instructions. Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX CEO & Manager of XXXX XXXX XXXX XXXX XXXX to Immediately Delete this account XXXX XXXX XXXX XXXX XXXX XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. as this file XXXX XXXX XXXX XXXX XXXX XXXX, has damaged XXXX XXXX XXXX ; reputation and damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX Dollars for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. Pay to the order of : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX ; in sui juris, XXXX under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX CEO & Manager, I Have no knowledge of this Account XXXX XXXX  XXXX XXXX XXXX XXXX, I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX ; or XXXX XXXX XXXX XXXX XXXX ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab initio! 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 an account without my written instructions. Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXXXXXX  CEO & Manager of XXXX XXXX XXXX XXXX XXXX to Immediately Delete this account XXXX XXXX  XXXX XXXX XXXX XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. as this file XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has damaged XXXX XXXX XXXX ; reputation and damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX Dollars for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. Pay to the order of : 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 explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
On XX/XX/2024 a withdrawal of {$300.00} without notice was taken from my account via debit card. This is a past due payment but, Ive been unemployed and struggling. The money they took without warning now leaves me homeless as it was to be used for living quarters. I was going to arrange payments once steady income begins but, I am in no position to be out of {$300.00}. 

I believe some communication and payment plan should have taken place first. 

I feel this is extremely harmful without they were planning to withdraw said amount on this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX, # XXXX XXXX XXXX CRED U # XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions

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 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I Capitalone closed my credit cards i paid in full two of my credit card my 3rd credit card was settle on XX/XX/2023. however capital one is still reporting my account as charge off both internally and externally on their system, if capital one was not going to update the account as paid in settlement they should have to told me and i would have paid off, i have been a capital one client for a very long time i had checking accounts credit cards and auto loans which i had pay in full, Capital One Credit Card is telling me that they do not communicate with Capital One Recovery Dept. and Capital One Recovery Dept is telling me that they do not communicate with Capital One Credit Cards. Please help the account ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
My mother got a refund from an XXXX in XXXX, 2023 on her American Express account. In XXXX, 2023 she had a XXXX and went into a XXXX XXXX On XX/XX/ I helped her write a letter requesting to close her account and send her a check for the refund of {$1500.00}. I am the Power of Attorney and Executor of her Estate. They mailed the check to the wrong address and we requested them to resend it and they refused saying they had closed the account and it now has a XXXX balance. Just a complete SCAM!!!!! My mother XXXX XXXXXX/XX/2023 and I am the Executor of her Estate and have called AMEX 9 times trying to get this refund. They agreed that there is a {$1500.00} credit balance and they say they are mailing a check. This has gone on for 9 months and every week they say it is in the process and I should have the check by the end of that week and it never happens. They appear to be trying to keep the money and hope I go away. They should be ashamed of themselves trying to steal my XXXX year old mom 's money which is now a part of her Estate. I have mailed them her Death Certificate and Letter of Testamentary and they refuse to mail the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am unaware of the debt with Portfolio Recovery Associates. I didn't get the opportunity to dispute this debt. I did not receive proper notification. If, in fact, you believe I got the proper notification, please provide the certified mail with the receipt, with my signature on it stating that I received it. Portfolio Recovery Associates didn't provide me with any proof that I asked for above because they never sent me anything through certified mail, and they don't have my signature to prove that I received any proper notification from them. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute inaccurate information directly with the furnisher, but they have failed to investigate or correct the errors as required by law. If the furnisher can't provide the proof I asked for, they need to remove the negative account from the credit reporting agencies they report to. Anything less will result in legal action. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I STILL CAN NOT FILE DISPUTES ON LINE, SO MUST DO IT THIS WAY! PLEASE FIND FILE XXXXPLEASE UPDATE PERSONAL DELETE ALL OLD NUMBERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/24 wells fargo closed my checking account after I disputed multiple fraudulent transactions that were made by a previous roommate that stole my information and card and went on a spree of ATM withdraws with purchases that I did not approve. After going over my statements and showing them that there were XXXX transactions made in two separate county 's at the same time proving that I wasn't responsible for both since I cant be at XXXX places at the same time. I've also asked them to check the video footage of the ATM transactions to show it wasn't me but instead they closed my account and failed to refund a total of XXXX dollars that was stolen from me.

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 2024-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
The company collecting for a unknown debt is listed below. They are trying to collect {$2700.00} for a unknown medical debt. The company has failed to provide proof that the debt is mine as requested. They have proceeded to file a false report to the credit bureaus to harm me. 
GRANT MERCANTILE AGE Address XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX I am requesting that my rights under the fair credit reporting act be enforced as this debt has no merit.

Company response to consumer: Closed with explanation