vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
I am writing to formally lodge a complaint against Spring Oaks Capital LLC for violations of consumer financial protection regulations, specifically referencing 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 15 USC 1681-S 2 ( 7 ) ( A ), and 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

The basis of my complaint revolves around a series of actions taken by Spring Oaks Capital in relation to a debt allegedly owed by myself. I received communication from your company regarding the debt in question. However, I have reason to believe that your actions have contravened several federal regulations, including those outlined above.

Firstly, according to 12 CFR 1006.34 ( b ) ( 5 ), consumers are entitled to receive certain information regarding their debts upon request. Spring Oaks Capital failed to provide adequate debt validation as required by this regulation. Additionally, 15 USC 1681-S 2 ( 7 ) ( A ) mandates that debt collectors must provide consumers with specific disclosures regarding their rights under the Fair Debt Collection Practices Act, which were not provided in the communication I received.

Moreover, in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I formally request that all communication regarding this debt cease until such time as Spring Oaks Capital can provide the necessary documentation and validation as required by law. Furthermore, I request proof of your company 's licensing and bonding status, as mandated by federal and state regulations. 

Lastly, I request a copy of the purchase agreement between Spring Oaks Capital and the original creditor pertaining to the alleged debt. This information is crucial for me to verify the legitimacy of the debt and to understand the basis for Spring Oaks Capital 's claim.

I urge Spring Oaks Capital to promptly address these concerns and take the necessary steps to ensure compliance with federal regulations. Failure to do so may result in further action being taken to protect my rights as a consumer. 

Please acknowledge receipt of this complaint within [ mention a reasonable timeframe ], and provide updates on the progress of your investigation. 

Thank you for your attention to this matter. I expect a swift and satisfactory resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Dear cfpb, I am writing to file a complaint regarding the fraudulent dispute of funds by Apple Credit Card, charging both the merchant and the customer. 

After receiving XXXX products that I found to be not worth the price paid, I attempted to return it to the merchant. However, the merchant refused to provide a return address and label, insisting on unreasonable grounds. Consequently, I had no choice but to file a dispute with Apple Credit Card regarding this transaction. 

Dispute case number : XXXX Transaction date : XX/XX/2023 Merchant name : XXXX Disputed amount : {$74.00} Amount to be rebilled : {$74.00} Despite clear evidence, Apple Card Goldman Sachs confirmed the dispute as successful and sent me an email confirming the Dispute Status : Completed ( Disputed charges will be removed ). The temporary credit received, including any interest charges, was supposed to be permanent. However, if seller also issued a credit for this disputed transaction, the permanent credit might be reversed. 

As I never received the credited amount, I already filed a complaint with cfpb against Apple Card Goldman Sachs for failing to transfer the disputed amount to me. 

Shockingly, after my complaint, Apple Card Goldman Sachs maliciously deemed the dispute unsuccessful, thereby fraudulently retaining the funds. Today, I received an email stating Dispute Status : Completed ( Disputed charge ( s ) will remain ). The temporary credit of {$74.00} This corrupt and dictatorial behavior by the bank is unacceptable. 

I urge the authorities to oversee this matter promptly. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I have called Santander, several times requesting the Explanation of Calculation of Surplus or Deficiency and they will not send it to me. I also called and asked questions about the security interest and no one has followed up with me. I also requested the 1099-C Santander filed on XX/XX/21 and they will not send it. I want all accounting ledger 's for this " loan. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I pulled a payoff statement on line for my XXXX Credit card from Comenity Bank. I submitted the full amount to pay off my credit card. Over the next three months I continued to be charged interest on XXXX balance. When I called they said it should stop soon stop and offered no explanation, now to add insult to injury, they have added a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: IL

Complaint narrative:
I XXXX  with my XXXX XXXX in XXXX of XXXX, my XXXX loan company gave me a grace period until XXXX of XXXX. I was still struggling to pay my monthly payments of {$300.00}. I contacted the company in XXXX of XXXX and asked what I could do and they stated they would give me until XXXX of XXXX to start paying my loans. Since this period of XXXX XXXX XX/XX/XXXX, my XXXX loan debt has increased to about {$30000.00}. I have recently contacted the company and asked why my balance had increased so drastically when they communicated that I would be in a grace period. The only response I received was due to interest rates, which is something they did not communicate with me over the phone about last year. My XXXX XXXX payments went from {$300.00} a month to now {$2000.00} a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: AK

Complaint narrative:
In XXXX, my Alaska Commission on Postsecondary Education ( ACPE ) loan was transferred to XXXX XXXX XXXX ( XXXX ). I was informed that any further communication pertaining to my loan would go through XXXX at that point. I created an account on the XXXX website, which allowed me to make payments. From XXXX of XXXX through XX/XX/XXXX, I made payments to XXXX which totaled {$680.00}. This left a balance of {$3500.00}. 

In XXXX of XXXX, I received a court notice that my remaining loan balance of {$3800.00} had gone into default and they would begin garnishing my pay. Writ of Execution paperwork which was filed with the court system states that the amount that can be garnished each paycheck is {$610.00} XXXX informed me in a letter that I could request a fair hearing within a 30 day time frame. I sent this request to their office within the time frame allowed. However, I never received a response. 

When I attempted to follow up with their office on this, I was told that I needed to speak to a third agency, XXXX XXXX XXXX ( XXXX ). The letter sent by XXXX, did not direct or indicate to me that this request should be sent to XXXX. 

Through several emails, XXXX continued to inform me that my account with their agency had been closed and they could no longer assist me. I was informed that I would need to speak with XXXX. 

However, when I contacted XXXX, I spoke with 2 separate individuals within their company. They could not locate any of my information in their system not my name, social security number, telephone number, etc. They directed me back to XXXX. 
When I reached back out yet again to XXXX, I was provided the same response as before that they could not assist me and that XXXX was now managing my account. 

Throughout this time, on XX/XX/XXXX I had {$780.00} garnished from my paycheck. On XX/XX/XXXX, I had {$700.00} garnished. This should leave my balance at {$2000.00}. However, the company which garnished the funds XXXX reported that my remaining balance is now {$2300.00}. 

I have a few questions : 1. Who is managing my loan? 
2. Why have I not received a follow up to my request for a fair hearing? 
3. Why have the garnishment amounts been greater than the amount listed on the court order? 
4. What happened to {$270.00} that I paid, but is now reflected on the remaining loan balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy. 
15 USC 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 non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
Collection being reported on fraudulent debt. I did not receive any communications from the collector prior to reporting. I did not receive any communication notice or a validation notice per the FDCPA rule that regulates when a collector can report the collection. I have since disputed the collection and requested validation and I did not receive any notice from Source Receivables. At this time I believe my rights are being violated by this company. This collection is impacting my lively hood and my credit worthiness. I ask that the CFPB, please get involve and help me get a resolve. I should not be held responsible for debt from a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I did not authorize a credit inquiry from this company on XX/XX/year> 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I did not authorize a credit inquiry from this company on XX/XX/2XXXX 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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 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 2024-02-16 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: DC

Complaint narrative:
As an investor affiliated with this company, I am compelled to address the closure of my account on XX/XX/XXXX, followed by its charge-off on XX/XX/XXXX, attributed to " non-payment ''. This matter perturbs me due to the provision of an application I did which turned into a security which can be sold to a third party which makes it a promissory note. Not to mention they make all bonds out of all applications from which they have indeed realized guaranteed returns. Despite this, my account remains closed. I am keen to rectify this situation by tendering the appropriate payment through the prescribed method. Furthermore, I wish to draw attention to the commitments delineated in the company 's prospectus submitted to the Securities and Exchange Commission ( SEC ), emphasizing the obligations incumbent upon them, which I believe merit further consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PulteGroup, Inc.
State: TX

Complaint narrative:
The loan originating fees were changed for no reason. These are the highest loan originating fees amongst all players and still they were increased even after being the highest. 

Please investigate if Pulte is consistently applying the same originating fees irrespective of the borrower

Company response to consumer: Closed with explanation