vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am filing this complaint against Fair Collections & Outsourcing regarding their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) in relation to a disputed debt. Despite multiple written requests for proper validation of this debt, they have failed to provide all required documentation under the FDCPA and have continued to pursue collection efforts. 

Here is a summary of the situation : On XX/XX/year>, I sent Fair Collections & Outsourcing a certified letter requesting validation of a debt related to a lease with Invitation Homes. My request was made pursuant to the FDCPA, 15 USC 1692g Sec. 809 ( b ).

Fair Collections & Outsourcing responded with limited documentation, including a lease copy, but failed to provide full validation. They did not include key documents, such as detailed accounting or proof of assignment to collect the debt. 
On XX/XX/year>, I sent a second certified letter reiterating my request for proper validation. To date, they have not provided all of the requested documentation. 
They offered a settlement and implied that failure to pay by XX/XX/year>, would result in the debt being reported to credit bureaus. However, they are still legally required to provide full validation before proceeding with any collection actions or reporting. 

Fair Collections & Outsourcing has not fully complied with my requests, and I believe their practices violate the FDCPA. I request that the CFPB investigate this matter and require the company to provide the necessary documentation or cease collection efforts. I am also concerned that they may report this disputed debt to credit bureaus despite failing to validate the debt.

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 2024-10-21 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: NJ

Complaint narrative:
I am a victim of identity theft. My credit report is being compromised with fraudulent account information as a result of the identity theft. This information is being furnished to and reported by XXXX XXXX, XXXX, and Equifax. It is not fair nor equitable that I am suffering from information that does not belong to me. I am entitled to a credit report that is fair and equitable to me at all times. Unfortunately, this matter has compromised my faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. My credit report is being compromised with fraudulent account information as a result of the identity theft. This information is being furnished to and reported by XXXX XXXX, Experian, and XXXX. It is not fair nor equitable that I am suffering from information that does not belong to me. I am entitled to a credit report that is fair and equitable to me at all times. Unfortunately, this matter has compromised my faith.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Chex Systems , Inc. Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Consumer ID # XXXX -- I received notice that you verified certain items on my credit report from the following companies : XXXX XXXX XXXX XXXX XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " VERIFIED remain on file at ChexSystems '' response ; I am aware of that. 
Supply your response within 15 days or delete 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 2024-10-21 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: TN

Complaint narrative:
To whom it may concern, I am a survivor of XXXX Trafficking. The adverse information attached which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of Trafficking. 
Pursuant to 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related thereto ) within XXXX business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). In addition, please send me notification of the action taken pursuant to this request within XXXX business days ( see 12 CFR 1022.142 ( f ) ).

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 2024-10-21 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: TN

Complaint narrative:
To whom it may concern, I am a survivor of XXXX Trafficking. The adverse information attached which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of Trafficking. 
Pursuant to 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related thereto ) within XXXX business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). In addition, please send me notification of the action taken pursuant to this request within XXXX business days ( see 12 CFR 1022.142 ( f ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NJ

Complaint narrative:
I am a victim of identity theft. My credit report is being compromised with fraudulent account information as a result of the identity theft. This information is being furnished to and reported by Trans Union, XXXX, and XXXX. It is not fair nor equitable that I am suffering from information that does not belong to me. I am entitled to a credit report that is fair and equitable to me at all times. Unfortunately, this matter has compromised my faith.

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 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I received a letter from midlantic credit management about a debt. I asked for more information they told me I was being sued and I should already understand why I was being contacted. This debt was apparently from a XXXX XXXX XXXX bill that they had closed down themselves because the bank they used was closing down. I do not think I should be in collections for an account that was closed down.. They sent me letters giving me a weeks notice of being sued. I called them I was talked into making payments I paid XXXX dollars and then they were taking money out every two weeks of XXXX dollars that I could not afford. I then canceled this because I was unaware of why I had to pay XXXX dollars to them especially being in collections. I tried to negotiate a deal the representatives were nasty and were throwing unrealistic numbers at me to pay. They told me I had to pay it. They were rude and degrading. Pressuring me and having no type of compassion what so ever. They call me every day multiple times a day. I have still not received proof of them having this debt I want to understand what this debt is for and if it is reported I see it no where on my credit report. I tried contacting them to get someone in state instead of over seas they told me that they can not give me anyone else to speak with when the month prior I was given a contact person to speak with and they told me no one in state is accepting my account they would not explain anything to me other than that they were attempting to collect a debt.. they called my mothers house, my husbands phone and my phone multiple times a day. Its harassing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I provided an identity theft report I discovered this issue on XX/XX/year> for an amount of {$280.00} my information was stolen and used.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
As you can see my complain is very old regarding my account closing balance was not send to me till date as was promised After continuesly complaining i was issued a letter on your plateform to contact a particuler person and connect with him in person but that thing never worked out. 
I have already talked to bank directly but they are not giving satisfactory response.. 
I need the amount of XXXX $ now to be transfered to my external account. 
And not in form of cheque as they have already wasted more than 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Dispute and Clarification Letter Date : XX/XX/year> From : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Number : XXXX To : NEWREZ LLC DBA Mortgage Shellpoint Mortgage Servicing NMLS ID : XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ________________________________________ Subject : Dispute and Clarification Request Regarding Loan # XXXX Payment Handling Dear Shellpoint Mortgage Servicing, I am writing to you regarding the communication I received on XX/XX/year>, in which I was asked to apply for a loss mitigation program related to my loan # XXXX. I appreciate the communication ; however, I would like to clarify several critical points regarding the information provided and the management of my loan account. 
In the letter, it was stated that my account is in pre-foreclosure, which I believe is incorrect and is of great concern. For the past XXXX months, I have been making the monthly payments of {$1700.00} on time, and these payments have been sent directly to your company. 
Therefore, I urgently request a thorough investigation into the accounting records of Shellpoint Mortgage Servicing, as there appear to be significant errors in the processing of my payments. Furthermore, I demand documented proof explaining why my account has been listed as delinquent and placed in a pre-foreclosure process.

Specifically, I request that : 1. I am provided with a detailed breakdown of the payments received by your company over the past XXXX months, including dates and confirmation of the exact amounts received for the loan in question.

2. I receive an explanation as to why, despite making my payments, I continue to receive notices about a supposed default on payments.

3. All pre-foreclosure or any similar processes be halted while this issue is investigated and my payment records are clarified.

I look forward to your immediate response and an effective resolution to this issue. Should I not receive a satisfactory response within a reasonable time, I will be compelled to take legal action to protect my rights and prevent any unjust harm this situation may cause. 
Thank you in advance for your prompt attention and response to this urgent matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: SLM CORPORATION
State: FL

Complaint narrative:
I have taken a loan from Sallie Mae during my time in college. After college for a while we were pay to the monthly loan because it was like {$100.00} to sometimes {$200.00} a month. My co-signer at the time was able to pay for me and sometimes I was able to pay for myself. I gotten back into school to do half-time to continue to have low monthly payments from Sallie Mae . The half-time student with XXXX XXXX lowered my monthly loans for about two years give or take. Recently within a half-year the monthly payment went up to over {$1000.00} per month. I was not to pay for it because I do not make enough money to pay {$1000.00} per month with the monthly rent and things I have to pay to live and survive. My co-signer is on a fixed medical income and retired she is not able to pay that much for herself. We have been calling Sallie Mae off and on every other month to this day trying to lower it to the original {$100.00} or {$200.00} a month but they keep saying they can't help me and can't lower it. Now they want over {$2000.00}, and they can only lower it to still {$1000.00} even when I asked them and explain I don't make that much per month with my jobs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have XXXX second lien loans for my solar project. One is a little over {$40000.00} with XXXX and the other is about {$20000.00} with Dividend ( Fifth Third Bank ). This complaint is for Dividend, which closed on XX/XX/year>. I will submit the same exact complaint for XXXX next. During the process, we spoke at length about how much I could afford for a payment. I wanted to make sure the monthly payment worked for my budget and allowed me to save money by going with solar for my home. Unfortunately, neither company explained that the payment I agreed to doesn't even pay the minimum monthly interest on the loan. Dividend calls the negative amortization payment an " Incentive Election Payment '' payment option, which is a highly deceptive name since there should be no incentive to increase the principal amount of your loan. They both game me negative amortization loans and I have not paid XXXX XXXX of principal on either loan. 

Honestly, I thought this was illegal so it never occurred to me to make sure I read the details for amortization on the loan, please the word " Incentive Payment '' makes it seem like they are doing me a favor. The truth is that this loan will never pay off until I massively increase my payment to cover the missing interest and an additional principal payment. I can't believe this is happening to me and I don't know what to do. Both companies said in an uncaring matter-of-fact way, " check the agreement ''. I agreed to the terms of the loan including the very high interest rate, but I didn't catch the negative amortization feature of this loan. 

I need this company to stop deceiving the public. They need to make certain that borrowers know making a minimum agreed upon payment means they will not even pay the monthly interest and never pay off the loan. Borrowers for this type of loan will wake up some day once they realize what happened to a massive increase in the principal amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Re CFPB Case XXXX. Capital One committed to crediting my account with {$2300.00} and " immediately '' issuing a check to me for that amount. On XX/XX/XXXX, a Capital One telephone representative confirmed the check had not been sent and would have it send. It now been another month and I am now, owed {$2300.00}, that is the principal plus 1 month interest at 23.24 % APY. That is the interest rate Capital One was charging my account when I had a positive balance in their favor. Next month 's interest charge will be {$45.00}. My next step will be to file a consumer complaint with the Arkansas Attorney General 's Office including additional complaints against CapitalOne.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I'm once again having huge problems with deductions from our Citibank XXXX XXXX account. 

Citibank has once again let a random person steal money from our account. 

Our Citibank XXXX, XXXX Account has had {$8400.00} stolen via XXXX XXXX  Charges. 

We do not even have a XXXX XXXX. 

The total is {$8400.00} We need these funds returned ASAP. 

This is the second fraud issue in the last few months. 

We bank with XXXX, XXXX and Citi. I've been with Citi the longest ( since the XXXX XXXX  ) and it was once best in class

. It's now so far below the other two banks, both in customer experience, security, digital banking, response time, .... No comparison. It's a shame how far it's fallen in a short few years. Citibank allowed fraud to happen once before on this same account, only months ago. I have no idea how Citibank just allows anyone to charge their credit cards to our bank account. It's unbelievable.

Not having this problem with any other bank.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I got indication that I have things on my credit report that I have not authorized.i also have a issue with someone managing and using my phone, email, social media accounts and in XXXX I had a problem with someone stealing money off my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

The following items do not belong to me and is a result of fraud that I did not authorize : 1. 
XXXX - XXXX Date of inquiry : XX/XX/XXXX 2. 
XXXX XXXX Date of inquiry : XX/XX/XXXX 3. 
XXXX XXXX XXXX XXXX Account Number : XXXX 4. 
XXXX Account Number : XXXX 5. 
XXXX XXXX Account Number : XXXX 6. 
XXXX XXXX Account Number : XXXX 7. 
XXXX Account Number : XXXX 8. 
XXXX XXXX XXXXXXXX XXXX Account Number : XXXX 9. 
XXXX XXXX XXXX  Account Number : XXXX 10. 
XXXX XXXX XXXX Account Number : XXXX 11. 
XXXX XXXX  Account Number : XXXX 12. 
XXXX Account XXXX : XXXX 13. 
XXXX BANK XXXX Account Number : XXXX 14. 
XXXX XXXX XXXX Account Number : XXXX 15. 
XXXX XXXX Account Number : XXXX 16. 
XXXX XXXX XXXX  Account Number : XXXX 17. 
XXXX XXXX Account Number : XXXX 18. 
XXXX XXXX XXXX Account Number : XXXX 19. 
XXXX XXXX XXXX Account Number : XXXX 20. 
XXXX Account Number : XXXX 21. 
XXXX Account Number : XXXX 22. 
XXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Someone mirrored my duplicate Ip address and transferred funds for over {$14000.00} with cash app.

Company response to consumer: Closed with explanation