vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Mr. Cooper Group Inc et al., has not validated the debt. They continue to send letters that have diffrent pay off quotes none of which are the same. This shows that the XXXX, GAAP. This is the second flurry of letters that do not validate debt. Mr. Cooper has tried to have XXXX XXXX  collect the funding by placing XXXX XXXX  information in the letter for me to remit payments to them. I have not done business with XXXX XXXX. So this request makes XXXX a debt collector for a debt that is not validated as well. I also recieved a letter via XXXX stating that there was a lien in place. The only lien that is on the public record is my UCC 1 with financing statement on the orginal promissory note referencing the location of the real property real property. The company couldn't pefect a lien if they wanted to because I am not a debtor. They failed to pay the taxes and file the note now security and register it into a XXXX. Therefore, they have a taxable termination. I will pay the local taxes personally but they need to answer to the IRS for the funding that is not being registered and secondly the taxes that are not being payed from not registering this security into a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
RUBIN & ROTHMAN , LLC have falsely represented them self at XXXX XXXX New Jersey to collect the debt which RUBIN & ROTHMAN , LLC didn't own it nor have any contract in place to collected on client behalf. RUBIN & ROTHMAN , LLC bad intimidation and harassment have cause me pain and suffering and must pay by the State and Federal laws described it in 15 USC law.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: GA

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. 

has violated my rights. Or a list of inquiries : 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 XXXX 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 2024-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I am currently enrolled in the SAVE plan. My payment is currently less than the monthly interest that is accruing on my account and therefore I should be receiving an interest subsidy from the federal government. I have spoken to multiple people about this and received conflicting and contradictory information. In my most recent interaction with a customer service rep she did not understand what I was speaking about with the interest subsidy. She then told me the interest subsidy should be applied on XX/XX/XXXX and on the XXXX of every month. I requested that she point me to a policy or statement from aidvantage that the interest subsidy is being applied every month. She changed the topic and refused to point to any such statement or policy. I told her I had yet to see an interest subsidy applied to my account over the past 6 months. She then told me that the interest subsidy is being applied but is not reflected on my account on the website. That means it's currently showing the incorrect amount of what I owe and would let me pay off more than I owe if I were to pay a loan in full. I explained this to the customer care representative and she logged off and ended the interaction abruptly. Based on this interaction I have reason to believe Aidvantage is either a ) using uneducated customer care representatives who do not meet minimum standards to be servicing customers b ) consciously misinforming consumers or c ) incorrectly applying the interest subsidy and hoping customers will not notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I was never aware any issues with XXXX or charges to my checking account. 
I dont rent cars. Verification that I was neither the renter nor a responsible party on the rental agreement ok contract. 
I never authorized use of my card for this rental payment, Im not financially responsible for this rental through XXXX. 
Following my investigation, Ive found that XXXX XXXX XXXX XXXX  issued a refund for this overcharge to my adult daughters separate account. 
XXXX frequently overcharges customers after rentals, especially during the pandemic, as my daughter is pursuing a lawsuit against XXXX for many fraudulent acts, unlawful actions, and violations. 
After XXXX XXXX XXXX XXXX  issued my daughter the refund to this overcharge that she disputed and provided proof of, months later and by way of a deceptively surreptitious recharge using an expired old hold authorization, XXXX file to have XXXX XXXX XXXX XXXX  reissue this money. 
My daughters separate checking account had been closed for months already. 
XXXX used an unlawful practice of using old gold authorizations and XXXX XXXX XXXX XXXX  allowed XXXX undue unlawful overcharge to be kicked back to my separate account. 
I had no way of knowing this since I didnt use this account except for auto payments on my car loan for my personal vehicle. 
XXXX XXXX XXXX XXXX  listed this as account abuse, but the fraudulent and abusive actions have been surreptitiously committed by XXXX and XXXX XXXX XXXX XXXX. Im not responsible for this. I only became aware of the wrongful and erroneous collections account posting defamatory and damaging claims of account abuse against me., after denial for a bank account that lead back to Chex Systems. 

I contacted Chex Systems three separate times, all of the times providing my ssn, license number, address, name, and uploaded my ID. Chex Systems outsources our calls to XXXX and the personnel told me no need for my American laws under the Fair Credit Reporting Act passed by XXXXongress, as I quoted 15 USC 1681, 1682, 1666, and 1692. I recorded all my calls and my witnesses listened to. 

This needs to be immediate removed. This charge has absolutely nothing to do with me. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MD has been a nightmare and I closed out my accounts with them by refinancing elsewhere. I am filing this complaint with MD XXXX, FTC as well and a lawsuit if necessary. My credit was an XXXX when I first dealt with XXXX XXXX XXXX XXXX. This action is very damaging to me and its baseless and spiteful. XXXX XXXX is is why I left 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 explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For the past 6 months i have been trying to fix my credit and i have been getting the run around or stall letters or being told that my accounts are verified and accurate but when reviewing my credit reports the accounts in question are still inaccurate ( which is a violation of 1681e ( b ) ( b ) ) and when told to verify how they validated these accounts and conducted their investigation i do not get any communication back and am not provided the information requested ( which is a violation of 1692g ) my accounts that are in dispute also dont reflect that on my credit report ( violation of 1692e ( 8 ) ) and it has been way past 30 days.. 

i have attached all letters and communication via pdf to 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 2024-06-24 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: CA

Complaint narrative:
For the past 6 months i have been trying to fix my credit and i have been getting the run around or stall letters or being told that my accounts are verified and accurate but when reviewing my credit reports the accounts in question are still inaccurate ( which is a violation of 1681e ( b ) ( b ) ) and when told to verify how they validated these accounts and conducted their investigation i do not get any communication back and am not provided the information requested ( which is a violation of 1692g ) my accounts that are in dispute also dont reflect that on my credit report ( violation of 1692e ( 8 ) ) and it has been way past 30 days..

i have attached all letters and communication via pdf to 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 2024-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I have an Apple XXXX card, sponsored through Goldman and Sacks. I brought an XXXX XXXX for my grandson for XXXX, XX/XX/year>. I did not know that the Customer Service Rep. processed the bill on the card as a regular sale. The promotion was 0 % interest for 12 months using the card. 

I did not discover this error until 2 months later, while trying to use my Apple Pay XXXX to make a payment on the bill. Thats when I realized they were charging me interest on the bill. I immediately called Apple, they did nothing. I also called Goldman and Sack and the XXXX acknowledged the mistake, and corrected it for future billing, but never removed or subtracted the interest of {$8.00} that had already been put on my bill. I have called them atleast XXXX or XXXX times to address this and they have consistently refused to remove that amount off my bill although some clerks admit that it is there incorrectly. 

Secondly, unless you own an Apple phone, and I dont, they refuse to allow you to make payments using your Apple credits and they refuse to take a payment without having your credit card permanently stored in their system. I have also made atleast XXXX calls to bothe Apple and XXXX to address these issues. I ASKED THEM TO REMOVE MY CHECKING ACCOUNTING NUMBER FROM THEIR SYSTEM AS THEIR CSR HAVE ACCESS TO THE ENTIRE NUMBER AND QUOTE IT AND ASK ME TO VERIFY IT EACH TIME I CALL WHICH INCREASES THE POTENTIAL OF IN-HOUSE AND EMPLOYESS FRAUD ON MY ACCOUNT AND ALL OF ITS CUSTOMERS ACCOUNTS. 
NEEDLESS TO SAY, THEY HAVE CONSISTENTLY REFUSED TO REMOVE MY NUMBER FROM THEIR SYSTEM. I CALL MONTHLY TO SEE IF IT WAS REMOVED SND EACH TIME THEY VERIFY THAT IT HAS NOT BEEN. IF MY MORTGAGE PAYMENT EVER BOUNCED I WILL KNOW THAT IT WAS APPLE WHO COMMITTED THE FRAUD BECAUSE ALL OF THEIR EMPLOYEES HAVE ACCESS TO MY CHECKING ACCOUNT NUMBER WHICH THEY SAY THEY ARE ENTITLED TO KEEP EVER. THIS IS TOTALY UNETHICAL AND NOT RIGHT IN ADDITION TO ALL OF THEIR OTHER BUSINESS PRACTICES. 

I WANT THEM TO REMOVE THOSE INCORRECT FEES THAT SHOULD HAVE NEVER BEEN CHARGED TO ME AND REMOVE MY CHECKING ACCOUNT NUMBER FROM THEIR SYSYEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Response to Companys Reply - CFPB Complaint XXXX To Whom It May Concern, I am writing in response to the company 's reply to my complaint dated XX/XX/year>, regarding the PRA account ending in XXXX. While PRA has stated that they conducted an investigation and verified the accuracy of the information furnished to the consumer reporting agencies, I am seeking further clarification on the specific steps taken during their investigation.

As per the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau Regulation V, I request that PRA provide a detailed account of the following : Verification Process : The exact steps PRA took to verify the information provided by XXXX XXXXXXXX, including any documentation reviewed and any communication with XXXX XXXX 
Any specific methodologies or criteria used to determine the accuracy of the information. 
Documentation : Copies of all documentation received from XXXX XXXX at the time of purchase, as well as any additional documents used in the investigation process. 
A detailed explanation of how these documents support the validity of the debt and the accuracy of the information reported to the consumer reporting agencies. 
Dispute Handling : A detailed explanation of the process followed by PRA upon receiving my dispute, including any internal guidelines or procedures adhered to during the investigation.

The name and contact information of the individual ( s ) responsible for conducting the investigation.

Compliance with Laws : Evidence of PRAs compliance with the Fair Credit Reporting Act ( as amended ), Consumer Financial Protection Bureau Regulation V, and any applicable state and local laws.

Documentation or records showing that PRA notified the consumer reporting agencies about the dispute and the results of the investigation. 
The Fair Credit Reporting Act ( 15 U.S.C. 1681i ) mandates that furnishers of information to consumer reporting agencies must conduct a reasonable investigation of disputes. To ensure the integrity of this process, I request detailed evidence and documentation of the procedures and findings related to my case.

I appreciate your prompt attention to this matter and look forward to receiving the requested information. This will help ensure that all relevant data is thoroughly reviewed and that the resolution process adheres to applicable legal standards. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX 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 of 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 2024-06-24 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: GA

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Saturday, XX/XX/XXXX, I opened my mail addressed to me. One of the items was an envelope from Chase - Marriott XXXX. A credit card with a credit access line of {$25000.00} and a cash access line of {$1200.00} was inside, along with the requisite notification paperwork. I am not a Chase customer, nor have I ever been, and I did not authorize any lines of credit to be opened in my name. 
I called Chase immediately, using the main Chase credit number as opposed to the one that came with the paperwork, just in case it was a scam. I first spoke with XXXX at Chase, who, after listening to my explanation, stated that she would immediately close the account and report the information to the XXXX credit reporting agencies. She also advised me to call one of the agencies and gave me the number to XXXX. 
After hanging up, I realized I had neglected to ask if there were any transactions made on this account, so I called back and spoke with XXXX in the fraud department. I was not comfortable giving my full social security number when asked, but he stated that he was able to verify that no transactions had been made. He further advised me to call back during business hours to speak with customer protection. 
Because it was the weekend, I had to wait until today, Monday, XX/XX/XXXX, to contact XXXX. I spoke with XXXX at XXXX, who stated that Chase did not run a credit report ( none such report exists in my file ) and that my file was such that lenders can open lines of credit without my authorization. Upon hearing this, I requested that XXXX adjust my file so that this was not permissible, and she did so. She further advised me about XXXX 's protection plan, but I declined at the time, preferring to speak with my spouse further before making additional decisions. 
I then called Chase Customer Protection Group and spoke with XXXX. At this time, she was only able to verify that Chase was " working on '' this case and would let me know if they had further questions or resolved the issue.

Company response to consumer: Closed with non-monetary relief