vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: AZ

Complaint narrative:
This company is engaging in the illegal practice of DEBT PARKING. I was never notified of this debt and I have not lived in Texas for over 7 years. This is a junk debt buyer and they have not provided validation of the debt to me. They also continue to illegally validate the debt to the credit bureaus and this has detrimentally affected my credit scores. They are violating the Fair Debt Collection Practices as I was never notified of this fraudulent debt in writing before placing on my credit file. I could not dispute the validity of the debt within 30 days. I had no medical debt when XXXX Texas XXXXXXXX XXXX XXXX  years ago and I was not notified of any purported debt during my residency there. I called and the customer service representative threatened me over the phone if I did not pay them the {$140.00}, which I do not owe. They refused to send me evidence of this fraudulent debt. I have disputed this with the credit bureau and this company continues to validate the debt with them. No one will send any paperwork to me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive tried to dispute multiple cases on my credit report n no help some body has been using my information

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 2022-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
Hi In the mail I received a letter called an Additional Notice to sue from credit Corp solutions in regards to synchrony bank When I went to check they filed this motion with civil court and I had no idea as to why this was done w no notice I have never heard of credit Corp solutions and have never been contacted by them. Also the XXXX XXXX credit card debt is 3 years in XXXX as the last XXXX account was charged off as I had not had the account since 2019 and I did speak to the original creditor Im letting credit Corp and XXXX know the following according to FCRA and FDCPA laws, I am not obligated to pay the collection agency or any 3rd party collectors. Under no circumstances does the collector other than the ORIGINAL CREDITOR have the rights to collect or furnish info to any of the credit bureaus. Also if the debt was written off by XXXX  and my file was sold to a 3rd party collector, then legally credit corp solutions has now paid the debt on my behalf. I did not enter into agreement with the credit Corp solutions to pay the debt off, I didn't agree to pay them at all for paying the debt, and I also did not give the XXXX bank the rights to sell my information to a debt collector or 3rd party collection agency. if the debt belongs to me then please validate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MAGGUILLI LAW FIRM, PLLC
State: RI

Complaint narrative:
A letter was sent to me in XX/XX/2022 to my previous address. It was from a law firm, Magguilli Law Firm , PLLC from XXXX, NY attempting to collect a {$1500.00} debt on behalf of XXXX XXXX XXXX XXXX. They wanted me to contact the Law firm and to make a payment through their website XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
This account was charged off and have failed to send me a 1099c debt cancellation form. 
As income that is not allowed to be reported onto a consumer report so it needs to be remove immediately. 
It is in violation of FCRA 15 U.S.C 1681sXXXX ( a ) ( XXXX ) ( a ). 

Also this account keeps updating every month on my consumer report as charged off after originally being charged off on September 2021. They continue to repeatedly update the payment history which charge offs should not have active payment history. They have abused the statue of limitations and violated my rights. I am demanding a deletion of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF HAWAII CORPORATION
State: MD

Complaint narrative:
A scammer used an official Bank Of Hawaii phone number to call me and asked me my online login information to instruct me two steps verification to use XXXX to transfer {$1000.00} to a stranger that I dont know. I lost my {$1000.00} from my checking account. I contacted the Bank Of Hawaii and they said they need to conduct investigation but could not provide me a time line regarding this matter. They disabled my online account and it has been really hard to contact them on the phone because of the long waiting time to monitor my account and get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc
State: IN

Complaint narrative:
I talked to a representative two weeks ago and set up a payment plan to pay my debt. I told the representative what days to charge my account and since she failed to charge my account on one of the days we arranged called from her personal cell phone number saying that she was going to mess up my credit. 

The collection is not only listed as open but also as having a past due balance of {$970.00} dollars. This is a violation of FCRA requirements and in violation of XXXX XXXX Compliant reporting standards. According to the FCRA I have the right to a completely accurate report and if its not accurate then I am in my rights to have it completely removed and discharged from being liable for any debt thereof. 

Please remove this account and send me an updated report showing compliance with XXXX reporting standards and this account removed under completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal closed my account and withheld my money since XX/XX/2022. Every time I call their customer service they promise to call me back and they didn't solve the problem until now. They withheld {$24000.00} on XXXX. 
Please help me to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
This account is illegally reporting inaccurate information about me with the sole intent to ruin my credit. This collection account is not only listed as open but also saying I owe a past due balance of {$2300.00}. This is a violation of the FCRA XXXX compliant reporting standards. 

Due to the Inaccuracy of the report and failure to be in compliance I am asking this account be removed from from my account with settled in full and asking for an updated report showing adherence to XXXX reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On Thursday XX/XX/XXXX and again on Wednesday XX/XX/XXXX I mailed three letters through certified mail with return slips to Experian, XXXX, and XXXX regarding several discrepancies I found on my credit reports. In the first round of letters, I asked them to fully validate the reported information and remove anything that they could not provide signed, original contracts for in correlation to the accounts in question within 30 days. No method of verification was revealed nor were any original contracts with my 'wet ' signature provided as proof of validation. 
In the second round of letters, I reiterated my requests made in the first letters and asked them to please DELETE anything that could not be fully verified and to include original signed contracts as well as a copy of my updated credit report. 
As of today, Sunday XX/XX/XXXX, these accounts still remain and have not been fully verified. 
I have reason to believe that multiple creditors are conducting illegal actions against me including reporting the same account more than once, reporting old debts as new, and reporting charge-offs before the 120-day delinquent mark.

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 2022-09-18 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: EdFinancial Services
State: CA

Complaint narrative:
Edfinancial loan provider needs to be looked into. I requested a refund for payments made during the COVID pandemic, along with many others. These refunds are taking up to 150-200 days with no email or paper confirmation. Many people with other loan providers are receiving their refunds much faster, but Edfinancial is being unreasonable about their timeline. I need to be sure that this refund is processed before the end of the year and before forgiveness. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was looking for a rent using XXXX  and I liked a house I like, the landlord or scammer contacted me and because the house was 4 hours away from my current rent I signed up the lease and all the process online. I transferred him through XXXX {$3600.00} in differents transactions like {$75.00}, {$1300.00}, {$1000.00}, and {$1300.00}. He called me and say sorry someone else rented and he has another rent available for me but I claimed him my money back and he hanged me up, when I tried to call him back the phone says it was disconnected. His phone number is XXXX. 
I filled out a complaint with my back Wells Fargo and I didnt get any answer.

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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On Thursday XX/XX/XXXX and again on Wednesday XX/XX/XXXX I mailed XXXX letters through certified mail with return slips to XXXX, Equifax, and XXXX regarding several discrepancies I found on my credit reports. In the first round of letters, I asked them to fully validate the reported information and remove anything that they could not provide signed, original contracts for in correlation to the accounts in question within 30 days. No method of verification was revealed nor were any original contracts with my 'wet ' signature provided as proof of validation. 
In the second round of letters, I reiterated my requests made in the first letters and asked them to please DELETE anything that could not be fully verified and to include original signed contracts as well as a copy of my updated credit report. 
As of today, Sunday XX/XX/XXXX, these accounts still remain and have not been fully verified. 
I have reason to believe that multiple creditors are conducting illegal actions against me including reporting the same account more than once, reporting old debts as new, and reporting charge-offs before the 120-day delinquent mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX name and account numbers : 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX # XXXX, XXXX ; XXXX 3. ) XXXX XXXX # XXXX, XXXX ; XXXX 4. ) XXXX  # XXXX has violated my rights. 15 USC 1681 section 602 A, states that I have the right to privacy.

15 USC 1681, 604 A section 2, also states the consumer reporting agency can not furnish an account without your written 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 non-monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In various attempts to get a " Personal Statement '' added or updated on my Experian Credit Report, they have since removed the statement all together. 

I will attach an XXXX Experian Credit Report that does not show our last Personal Statement. And instead is showing something entirely different.

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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  name and account numbers : 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX # XXXX, XXXX ; XXXX 3. ) XXXX XXXX # XXXX, XXXX ; XXXX 4. ) XXXX # XXXX has violated my rights. 15 USC 1681 section 602 A, states that I have the right to privacy.

15 USC 1681, 604 A section 2, also states the consumer reporting agency can not furnish an account without your written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX name and account numbers : 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX # XXXX, XXXX ; XXXX 3. ) XXXX XXXX # XXXX, XXXX ; XXXX 4. ) XXXX # XXXX has violated my rights. 15 USC 1681 section 602 A, states that I have the right to privacy.

15 USC 1681, 604 A section 2, also states the consumer reporting agency can not furnish an account without your written 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 non-monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I have an XXXX XXXX card that is paid via auto debit from my checking account at XXXX XXXX. On my XXXX XXXX Banking I also have my Santander checking account listed from which I USED TO direct payments from before I setup the auto debit. XXXX has a product called Send & Split with XXXX. I have no idea exactly what this product is nor did I sign up for it but it seems to allow someone to send money to others. On XX/XX/XXXX my online account with XXXX was breached and someone initiated 2 payments to XXXX, {$4000.00} from XXXX and {$4300.00} from Santander. These payments would have satisfied the balance outstanding on my XXXX account. They then tried to send {$2000.00} out from XXXX to some third party. XXXX XXXX team managed to flag the {$2000.00} transaction, phoned me on XX/XX/XXXX at which time I confirmed I did not initiate any of these transactions. XXXX cancelled my existing card and issued a new one that will arrive XX/XX/XXXX. When I directed XXXX to return the {$4000.00} and {$4300.00} to my checking accounts they advised me there's nothing they can do until I receive my new card! But I need the money returned to my checking accounts NOW. My Santander account balance was approximately {$3300.00} so I am now in an overdraft position. When I phoned Santander on XX/XX/XXXX to advise of the fraudulent transaction and ask that it be returned they simply said they can not. What??? I work in banking ... .Yes, the XXXX can simply be returned to the originator! I said to Santander, " if for no other reason, the XXXX should be returned for Non-sufficient funds ''. They stated they don't return anything for NSF. They pay all the items. What?? I've never overdrawn an account nor should I expect a debit to my checking account be honored when I don't have sufficient funds. Santander simply said I can make a " Claim '' and they will investigate. Once their investigation is complete they will then determine whether to credit the money back to my checking account. This investigation can take 45-60 days!! So here I sit, with a negative balance in my Santander checking account that continues to get assessed overdraft charges! My original balance no longer available to me to use for my other bills or to grab cash from the ATM. 
Santander should have immediately returned the unauthorized XXXX debit. Santander should immediately make me whole.

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 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a natural person, I am a living human being, and I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I had a checking account with M & T bank. On XX/XX/XXXX I sent a secure messages asking them to close the account. I got a notification in XX/XX/XXXX that my online statement was ready, thinking little of it since often banks will do one last statement for a closed account. I got a notification this morning that another online statement was ready. I accessed my account and discovered that not only had my account not been closed as requested but that I had been charged a service fee of {$24.00} for both XXXX and XXXX, bringing my account into a negative balance of almost {$50.00}. I attempted to secure message M & T this morning to ask why this occurred but it says " Were experiencing high volumes in our inbound secure message system and the ability to send messages is currently unavailable. '' Phone support is also not available on Sundays.

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 monetary relief
Consumer complaint received 2022-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CarMax, Inc.
State: GA

Complaint narrative:
Company have called and sent letters regarding vehicle after I have told them not to contact me anymore. Havent sold vehicle as of XX/XX/2022 but put a charge off on my credit for {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I filed for PSLF and they are still charging me fees while the process is going through with the department of Education. 
I received a letter from Nelnet that my account would be transferred to XXXX. And yet they are still charging me fees on my account along with reporting wrong information about past payment history. Since XXXX took over the ownership of my accounts from XXXX

Company response to consumer: Closed with explanation