vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: CA

Complaint narrative:
XX/XX/2022 To Whom It May Concern : I received an alert on my credit report on XX/XX/2022 about an alleged debt from Procollect , INC in the amount of {$890.00}. I called the company to inquire about alleged debt. I asked why I havent received an initial letter about the alleged debt? The Procollect , INC representative admitted during the phone call on XX/XX/2022. They are in process of sending out the initial letter. This negligence is in clear violation of my FDCPA rights. Due to this unacceptable violation. I request the alleged debt deletion from all credit reports ASAP. I have attached the alleged debt from my XXXX credit report. I have also attached a screenshot of the telephone call. If theres any other information needed, please dont hesitate to ask. 


Best Regards, 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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I spoke with mark at Experian on XX/XX/2022 about the late payment that appears on my credit report I request the following late payment to be deleted off my Experian credit report with a updated credit report mailed to me : XXXX XXXX XXXX  '' late payment amount of {$17.00}

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 2022-04-07 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: DC

Complaint narrative:
On or around XX/XX/22 I submitted a dispute for fraudulent accounts and inquiries appearing on my Experian Credit Report. In accordance with requirements set forth under Section 605B of the Fair Credit Reporting Act ( FCRA ), I provided a copy of my drivers license, a list of the fraudulent inquiries that I did not consent to or authorize, a copy of the Identity Theft Report that was filed with the Federal Trade Commission ( FTC ), and a copy of the police report regarding the identity theft filed with the DC XXXX Police Department ( XXXX ). 

Despite this, XXXX failed to block the information. On XX/XX/22 Experian sent correspondence stating that I needed to provide additional information. Experian also notes, " It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' Assuming they are referring to the police report based on the reference to criminal penalties, this was submitted to the DC XXXX Police Department. Moreover, an Identity Theft Report was was submitted to the FTC via the FTC 's website. As the attached documents show, a copy of my drivers license and utility bill was provided along with correspondence which included my full name, social security number, date of birth, complete addresses for the past two years and list of fraudulent accounts. All of the information that Experian states is required, was provided to them on numerous occasions. Despite this, they continue to report fraudulent information including inquiries and accounts related to ongoing Identity Theft. 

Given that all of the information that is required to block fraudulent information was already provided Experian and was received by Experian as evidenced by certified mail receipts, they are required to block this information. Experian 's ongoing failure to remove the fraudulent inquiries is a violation of my rights under the FCRA.

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 2022-04-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: VA

Complaint narrative:
At the end of my lease for my XXXX BMW XXXX ( XX/XX/XXXX ), I was told that I owe approximately {$3400.00} for wear and tear, tires and excess milage by BMW of XXXX. As I turned in my XXXX BMW XXXX, simultaneously ( same day ) I leased a new BMW XXXX. 

As part of the closing for my lease on the XXXX, I wrote a check in the amount of {$1000.00} t to offset against the {$3400.00} and gave to the dealership. 

Late XXXX of XXXX, I received a call from BMW Financial requesting that I pay the {$3400.00}. I explained to the agent that I had provided a check in the amount of {$1000.00}. He said that he would reach out to the dealership and get back to me. Fast forward to end of XXXX, I started receiving call from a collection agency. They told me that I owed BMW but they would settle with me for {$2000.00}. I again explained that, I have written a check to BMW for {$1000.00} and need to know what happened to that check. The agent said that she would need to check with BMW and get back to me. 

Fast forward to today, I received a credit monitoring alert from XXXX XXXX that I have a charge off from BMW in the amount of {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have been trying to make bi weekly payments. Mr. Cooper mortgage company requires that you submit a month in advance before you can start biweekly. Example : I have to pay XXXX and XXXX at the same time. Then submit a form and a voided check requesting the biweekly payments be made to cover the next month 's mortgage. So two payments would then come out of XXXX to cover XXXX mortgage. 
The company denied my request because my name was written on the starter check vs printed, despite them confirming that it would be ok to write it in. When i asked why they needed a voided check when they already received my monthly payments using the same account, they didn't have a specific answer. They then said if i didnt want to use a printed check that i'd need a letter from the bank stating the account was mine, even though they have already been pulling money from the account! This is alot of hassle with no reasoning behind it just to pay bi weekly. If i can pay from the same account monthly, why do i then need to jump through hoops to prove that the account is mine still if i want to pay biweekly. The most frustrating part is they did not communicate with me that the request was denied, which would have put me at risk of defaulting on my mortgage. Something is not right if they can take money out of my account monthly but they may me prove it is my account if i want to pay biweekly from that exact same account. Furthermore, to not communicate that a request to pay biweekly was denied is deceptive when you think your mortgage is being paid and it isn't.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

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 2022-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Madera Collection Services
State: CA

Complaint narrative:
Medvetta Collection Service unlawfully re-aged my medical debt. 

Date of Service for medical appointment : XX/XX/XXXXXXXX  Medvetta Collection Service illegally reported that debt year XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2022. A certified letter was sent to Experian referencing the information reporting on my consumer report that accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX as inquiries that were not authorized. As well as the account for XXXX XXXX XXXX. I received an email in response to its closing of the investigation but to no resolve. I also made reference as a reminder of { 15 USC code 1681b- Permissible of purposes of consumer reports ( a ) 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 the instructions of the consumer to whom it relates. }

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 2022-04-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank Home just shut down my credit card with no notice!! I have always paid on time with all of my bills but last XX/XX/XXXX I had to have an XXXX XXXX XXXX which cost me $ 5K and put me behind on everything as I am a twice widowed mother living on one income and have no savings as inflation has doubled my utilities and gas expense as I drive two hours round trip daily to work and home!! They took two {$160.00} pmts just a month ago now say I am two payments behind! I get no statements by mail or online or bill reminders! I work for me the Dept of Employment IDES in XXXX IL so they know they will get their money they are just working with all the other sleazy high interest loan companies and credit grantors like XXXX who did the same to me and XXXX XXXX to ruin my credit score so I will fall further into poverty and always have to borrow at subprime rates!!! They have been doing this since XXXX! Enforce the laws on them, shut them down and shut down the credit scoring and reporting system completely! They get mad if an emergency happens one time then try to get revenge!!! I want this card reopened and corrected and I want all of my reports corrected and copies of them mailed to me and I also want mailed statements monthly and payment reminders emailed to me!!! I am contacting Bidens office about this too it is time for a change in the financial industry!!!

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 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
The Credit Bureaus never did a proper " Investigation '' according to the FCRA.

The term " Investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted of why may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investaged but how is that possible if the open data is inaccurate, the date last active is inaccurate, abs date last reported is not accurate. This ground for removal. 

They also violated the law according to 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.

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 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Ive contacted Bank of the west for the last 2 months trying to get erroneous fees reversed on a dormant account that Bank of the West required I open in order to obtain a loan on my RV from them. 

I have called and spoken to the XXXX, CA branch manager only 1 time which took more than a dozen phone calls, her name is XXXX XXXX. She would not return any fees or close the account at my requests and has not provided another avenue to get this accomplished. 

I then called XXXX 's regional manager, XXXX XXXX at XXXX multiple times in the last month about the account that was opened and Ive wanted to close because the fees you are charging for it. Again, the loan department required I open it and said it would be free but they are charging a monthly fee. I dont want to pay for an account that is not needed. Ive asked for the charges to be reversed and the account closed because its not active. Both XXXX XXXX and XXXX XXXX at XXXX branch wont help me and I continue to be charged for an account I can not get closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Credit Bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if open date is inaccurate, the XXXX. of Months ( terms ) is inaccurate, date last reported is inaccurate, and date last active is inaccurate. TransUnion also re-aged my account. This is all grounds for removal.

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
I have a revolving account with Swiss Colony. I legally changed my name in XX/XX/2021. I used my revolving line of credit to place an order after contacting them to change my name and they were provided with my account number. Instead of charging my account, Swiss Colony pulled my credit and opened a new line of credit. 

XXXX XXXX I moved to a new address and placed an order for two items using my line of credit. Again Swiss Colony pulled my credit to open a new line instead of using the account which was provided. 

I contacted the company and was told when you place an order you are subject to a credit inquiry. However, my line of credit has been established for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Commencing on or about the XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammers ) XXXX XXXX XXXX XXXX ( the Scam Website ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus have stated my account was a proper investigation but how is that possible if the open dates is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal they have also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX late payments are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus have stated my account was a proper investigation but how is that possible if the open dates is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal they have also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX late payments are 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