vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Affiant, XXXX XXXX, victim of identity theft, I'm invoking the ADA against the following suspects who have committed perjury in the XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, a Federal Crime under Title 18 Sec. 1028A ( Aggravated Identity Theft ), 1002 ( Possession of false papers to defraud the United States ) and 1348 ( Securities and commodities fraud ). 
I filed Identity Theft Claim with Federal Trade Commission on XX/XX/XXXX # XXXX. 

These individuals and entities engaged in unlawful practices involving manipulative and deceptive tactics to foreclose on my property at XXXX XXXX XXXX XXXX, CA XXXX. REAL TIME RESOLUTIONS ( RTR ) created account XXXX without my authorization, violation of CA CIV CODE 1798 to 1806 under CA State Law. RTR has ignored and failed to respond to validate and authenticate my Notice of Dispute Affidavit and proof of claim under FDCPA and RESPA. RTR has not provided Sworn Affidavit from principal party with authority having first hand knowledge and chain of custody of any debt owed including account level documentation. 

On XX/XX/XXXX a fraudulent A CORPORATE ASSIGNMENT OF DEED OF TRUST was recorded on my property on XX/XX/XXXX, claiming that XXXX XXXX XXXXXXXX XXXX XXXX, a Delaware Statutory Trust created on XX/XX/XXXX, A SCAM DEBT BUYER ENTITY, is the alleged owner of the alleged account. ( Copy attached ) On XX/XX/XXXX I served XXXX USPS mail to XXXX XXXX, XXXX and RTR , Inc. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Notice of Dispute AFFIDAVIT. RTR refused to rebut to my Affidavit from someone with authority, personal knowledge of the matter and under penalty of perjury. 
Moreover, the Notice of Dispute Affidavit sent to XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX was returned NOT DELIVERABLE ADDRESS ( copy attached ). 

Moreover, RTR has sent me conflicting letters stating that the alleged original creditor was XXXX XXXX XXXX XXXXXXXX and on other letter stating that the alleged creditor was XXXX XXXX XXXX XXXX ( Copy attached ) I'm demanding for CFPB to file criminal charges against these entities and individual ( s ) for intentionally, deceitfully and fraudulently behavior to foreclose and steal my property at XXXX XXXX XXXX, XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX I sent Creditor Certified Letter asking them for Validation of Debt they are reporting on my credit report. I received NO RESPONSE. Per federal law and the FDCPA, regulation under the following 15 U.S.C. & 1792 et seq. 15 U.S.C. & 1692g, Validation of Debts, creditors are REQUIRED to provide this information within 30 days upon request or RELEASE the invalidated debt information from my credit report. I'm including PROOF that the creditor received the notification request from me more than XXXX  days ago and DID NOT respond nor did they REMOVE the XXXX items listed on my credit report.

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 2024-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Fl XXXX Social Security # : XXXX Date of Birth : XXXX/XXXX/XXXX Dear RECEIVABLE MGMT SVCS XXXX, I, XXXX XXXX , am composing this formal complaint against RECEIVABLE MGMT SVCS XXXX concerning your collection practices related on account, purportedly initiated on XX/XX/XXXX, carrying an outstanding balance of XXXX ( Account number XXXX XXXX ). I want to emphasize that I have not granted RECEIVABLE MGMT SVCS XXXX or any of its affiliates, permission to access or report information on my credit profile. This unauthorized action has caused me significant distress, leading to credit denials. I contend that RECEIVABLE MGMT SVCS XXXX may have breached specific laws, as detailed below : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : RECEIVABLE MGMT SVCS XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) But yet still placed a collection on my consumer report.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute this inaccurate information, this is a violation of my rights as a consumer.

RECEIVABLE MGMT SVCS XXXX is violating my consumer rights by using false, misrepresentation, misleading and deceptive means to collect this debt.

Your collection agency has no authority to furnish any account/s to a consumer reporting agency without providing any and all disclosures required by law. They are in clear violation of Violation of 15 USC 1681-s2 ( 7 ) ( a ) and 12 CFR 1006.34 ( D ) : This section of the Fair Credit Reporting Act ( FCRA ) prohibits the unauthorized access of a consumer 's credit report. RECEIVABLE MGMT SVCS XXXX actions may have involved unauthorized access to my credit report, which is a direct violation of these statutes.

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 2024-02-28 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: MI

Complaint narrative:
I RECIEVED A COPY OF MY MOST RECENT CREDIT REPORT AND SAW ACCOUNTS REPORTING THAT I DO NOT RECOGNIZE

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 2024-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
XX/XX/2024. XXXX dollar loan I was approved for. I wasn't aware they wanted paystubs and tax returns til after they pulled my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
On XX/XX/XXXX I called Wakefield and Associates regarding a medical collection reported to my credit reports, I am in the process of cleaning up my credit reports and paid this account in full in the amount of XXXX plus a payment processing fee. The payment cleared my bank on XX/XX/XXXX. I was told this would be removed from my credit reports within 30 days. It is now 34 days and this account is still showing on all 3 credit reports. I called Wakefield and Associates on Monday XX/XX/XXXX to inquire why it is still listed on my reports. I was told they sent a deletion request on XX/XX/XXXX to all 3 credit bureaus and that I would need to follow up with them. So I called customer service of XXXX, XXXX, and XXXX and was told by all 3 of them that they have not received anything from Wakefield and Associates and that I would need to file a dispute and wait another possible 30 days. I went ahead and filed disputes as directed. On XX/XX/XXXX I called Wakefield back and was told in a very rude manner they did what they are supposed and its not on them anymore. I was told to email XXXX and request copies of the deletion and paid in full letters to be emailed. I have not received any further response or communication from Wakefield or any of the information I requested. This is causing me problems as I am trying to obtain a line of credit with my business and I want to ensure I have nothing in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items ASAP.

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 2024-02-28 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: OK

Complaint narrative:
I have Fraudulent accounts on my report. and I have asked the company reps to remove them.

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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I logged into my Amex account and was offered a Hilton card. If I spent XXXX XXXXXXXX within the first XXXX XXXX, I would get XXXX miles. The offered expired on XX/XX/XXXX. On XX/XX/XXXX, I applied for the card and was approved. I have been using the card and I called and chatted with customer service on XX/XX/XXXX and asked when I would receive my points. I was told I would NOT receive them and the supervisor did not know why. He told me it would take a few weeks for an investigation to be done. I received a phone call from someone on XX/XX/XXXX stating I would not get the points because I clicked through it during the application. I do NOT remember doing that and would have NEVER applied for the card. NO ONE at that company could tell me why I was NOT eligible. This is false advertising and when I log into my account, I'm offered different card. I want my miles or I will never use either credit card again. STOP sending targeted offers if im ''not eligible ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened a savings account online with TD, they accepted the opening deposit, then frozen the account and returned the funds to checking. I tried to close the account in branch, but they said they can not close a frozen account, that I must call their fraud department to unfreeze the account first. The fraud department said they can not unfreeze it, that I must go to a bank. I just want to close the savings account, it has a XXXX balance. TD makes it more inconvenient than any other bank to do business with them...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I have a mortgage through Freedom Mortgage and in XXXX my family was enduring a bit of a hardship. We called to see our options, and at the time we were in the process of selling our house and buying a new one, they advised me my best option would be a repayment plan. Again, knowing I was buying a house soon. They said it may report on my credit report as late for XXXX, but should show up at as a repayment plan. Unfortunately when I went to get final approval on my VA loan for my new house in the beginning of XXXX, I was denied because now freedom is showing me as XXXX  days late in XXXX and XXXX  days late in XXXX. This has disqualified me from a VA Home loan entirely. When I asked them to remove this as I payed my repayment plan up in full XXXX months early and have been current since, they said its against their policy to do credit retractions. They will only quote a paper they have on repayment plans that says it may report as late. But they never provided me with this paper until after they reported it late. The paper even has a place for me to sign to acknowledge which I never did or saw. Now I have to wait XXXX XXXX to qualify. The VA suggested to file a complain to get help in removing my lates in XXXX and XXXX, seeing as Freedom has a known history of leading their customers into bad situations. Please help!!

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 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XX/XX/XXXX I called Navy to update contact information due to being homeless since XXXX. I had no active phone number or forwarding address. 

XX/XX/XXXX Email notification from Navy FCU Dear member, This message is to advise you that one or more of your debts remain ( s ) unpaid and has been declared as a loss to Navy Federal. Please be advised that you are still responsible for the debt ( s ) and we'd like to work with you toward a settlement. 

If you have any questions or you'd like to discuss this matter further, you can call us toll-free at XXXX extension XXXX Please don't reply to this message. 


On Settlement Offer was issued via email by Navy received on XX/XX/XXXX at XXXX XXXX " Our records indicate that you have an outstanding balance of {$10000.00} for the account ending in XXXX. You are responsible for the debt, and collection activities will continue until you have made arrangements to resolve your account. '' 1. Pay {$4200.00} 2. Pay 36 monthly pmt {$230.00} 3.Pay minimum {$100.00} month til balance is repaid. 

The notice had No expiration or due by date On XX/XX/XXXX XXXX IRS tax refund was issued to my checking account in the amount of {$9900.00}, Navy federal without notice seized the entire amount and paid the debt that was previously declared as a loss, and illegally accessed my checking account and transferred funds to other to repay the debt, there was no date listed on the settlement offer as a date of expiration. They pretty much just went into my checking account and took my money without judgement or legal court order with no prior notice that the funds was being transferred or froze.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act, these creditors have violated my rights. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I wrote Experian on last month concerning a late payment that should not be reported on my consumer report as late or delinquent Experian has failed to do a proper investigation and to update my payment as paid on time. 

See documents an attachments

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 2024-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
Hello, I applied for PSLF in the summer of 2023. 
In XX/XX/2023, I received a Letter stating I had XXXX payments. 
I then get a letter stating the loan amount I was forgiven with an amount that was needed to be credited to me. 
My studentaid.gov account showed XXXX due. 
Mohela showed XXXX due. 
The loans were off my credit report. 
Then XXXX week ago, I get an email stating a new payment was due, and all my loans were reinstated. 
The outcome I want of course is for my student loans to be forgiven as stated in their letter. 

Appreciate any and all your help. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I, XXXX XXXX, am formally writing this complaint regarding a debt collection company by the name MID SOUTH ADJUSTMENT CO who sued me for a debt that was barred. The collection agency stated that they had been attempting to collect on this specific debt since XXXX of XXXX. If I'm not mistaken, the statute of limitations for debt in regards of collections is 5 years in the state of ARKANSAS. I was sued 9 years later. I was sued for this debt in XX/XX/XXXX. This is abusive and desperate. A default judgement was brought against me, and my wages are being garnished. I am aware that debt collectors tend to often times take advantage of uninformed consumers. I filed a complaint initially against them concerning this matter and the debt collection agency responded that they were in compliance with the FCRA and FDCPA. The Debt Collection Rule prohibits debt collectors from collecting on debt passed the statute of limitations. It is illegal. So, how did this go over my head? MID SOUTH ADJUSTMENT CO was not honest in that initial communication from the previous CFPB complaint, and this is a violation of 15 USC 1692e ( 10 ). I did not receive documentation for a summons to court or perhaps it was sent to an old address? If this is the case, someone else was served and not me which is be a violation of the FDCPA per Acquisition of Location Information. I did not receive any calls, emails, or mail from this company. The FDCPA also clearly states per 15 USC 1692i ( b ) " Legal actions by debt collectors '' - ( b ) Authorization of actions - " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: HI

Complaint narrative:
There was an authorization hold placed on my car by a hotel a little over a week ago I was told in the past that, as soon as the hotel releases, the authorization hold that I receive my money back. I also have been given the option to submit a document from the hotel, stating that I am at a XXXX balance, and they can release the authorization hold. 
Its been over a week. I provided them with all the documentation and they are refusing to let the hole go and they started making up stuff about the charges from this hotel. I already received a XXXX dollar refund because I was overcharged by XXXX bucks and I still have not gotten that money back in my account. That proves that they are intentionally holding money. They refused to explain why and theyre being really rude about it. They said at first XXXX days and now theyre saying XXXX days.

Company response to consumer: Closed with explanation