vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
I am writing to formally request the validation of a debt, which you have been attempting to collect from me. I am doing so in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), and ( FCRA ), 15 U.S. Code 1681b. I dispute the validity of this debt and require you to provide documentary evidence to substantiate your claim. Please ensure that this validation process is carried out in compliance with the FDCPA.

I demand that you provide the following information, one by one, in a clear and concise manner : 1. Documentation proving the original creditor 's name and contact information.

2. A complete account history, including details of all transactions.

3. Any written agreements or contracts related to this debt.

4. Proof of the alleged debt amount and how it was calculated.

5. Documentation showing that you are authorized to collect this debt.

In addition, I am specifically requesting the following items to further validate the legitimacy of this debt : A promissory note or any written instrument that outlines the terms and conditions of the alleged debt, signed by all relevant parties.

Proof that your agency holds a valid collateral interest in my property. Please provide documentation supporting this claim.

I must also emphasize that I have not given you authorization to report any account related to this debt on my credit report. If you proceed to report it, I believe you do not meet any of the permissible purposes outlined in 15 U.S. Code 1681b for accessing consumer reports. Thus, I insist that you cease any attempts to report this debt to the credit reporting agencies.

In your response to my previous communication, you alleged that I had sent fraudulent documents without providing any evidence to support your claim. I want to reiterate that these allegations are baseless, and you have not substantiated them in any way. It is essential to resolve this matter through factual evidence and adherence to legal procedures.

Please be advised that this letter serves as a notice of default. I have not received a satisfactory response to my previous inquiries, and your failure to validate the debt or provide verifiable information is a breach of my rights under the FDCPA.

Also to make it clear I am the only lienholder of the property. Now proof that you have a collateral interest for my property. A security has been sent to the trustee For presentation to the United States Treasury, for redemption or in exchange for securities of a new issue, in accordance with written instructions submitted by ( Transfer Agent )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: EQUIFAX, INC.
State: KY

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME, XXXX XXXX, Inquiry Date : XX/XX/XXXX .Account Name, XXXX XXXX Inquiry Date : XX/XX/XXXX. I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( XXXX XXXX, XXXX, Equifax ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XXXX, my spouse at the time consolidated our student loans. My balance at that time was {$46000.00}, hers was {$97000.00}, making a total of {$140000.00}. The loan was originally with XXXX XXXX, currently it is Navient. We had children in XXXX and XXXX and were living on XXXX limited income so we stupidly placed the loan in forebearance as interest accumulated. We have been on Income-Based Repayment for 10 years now as interest continues to be accrued. The current loan is {$450000.00}, making a total of {$300000.00} in interest. My wife is now my e-wife but we are still sharing the payments. Ther XXXX  continues to increase due to the size of the loan. It is currently over {$1000.00} per month. While we do not work for non-profit, we have both worked with XXXX individuals for more than 20 years. We are both modest income people. I am XXXX XXXX XXXX and looking towards retirement. Is there anything that can be done? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My husband and I opened XXXX checking accounts on XX/XX/XXXX. The accounts were our " house '' account XXXX and " groceries '' account XXXX. When we opened the accounts, we were required to hold an aggregate average daily balance of XXXX or we would be assessed a {$25.00} fee each month. The fee is only assessed once regardless of the number of accounts. We added XXXX more checking accounts " billpay '' XXXX and " savings '' XXXX on XX/XX/XXXX that were also linked so that their balance was included in the aggregate daily balance. We were assessed no fees through XX/XX/XXXX because our aggregate balance was above {$10000.00}. I added a fifth checking account " XXXX  '' XXXX in XX/XX/XXXX. However, when the bank added the fifth checking account, the customer service agent changed which accounts were linked. There are XXXX boxes the customer service agent has to check to link and include the accounts in the aggregate balance calculation. The agent setting up my fifth account did not check them both which caused the billpay, savings, and XXXX account to all have their own individual {$10000.00} requirement ( {$1500.00} in the case of the nana account ). As a result of this customer service error, the bank assessed fines on those XXXX accounts intermittently from XX/XX/XXXX to XX/XX/XXXX ( when we realized the error ) totaling {$1200.00}. I discussed this error with a customer service representative and my understanding is that if the accounts had been correctly linked per the original agreement, we would never have been assessed a fee on these accounts. We should have only been assessed {$120.00} in fees ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) on the house account XXXX account. The bank has refunded {$75.00} in fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 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: MO

Complaint narrative:
Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your companyXXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that XXXX exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I contacted the creditors to request a settlement and they said they would accept half which was XXXX. I advised I only had XXXX and that it would take a few months to get the remaining balance but by then the tradeline would no longer be reporting due to it being over 7 years old. They declined. It still shows in collection status not charged off on my credit report. I filed a dispute a with Experien and they would not honor the tradeline being over 7 years old and either remove it from my credit report or show as charged off.

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 2023-11-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: TOP FLITE FINANCIAL INC
State: MI

Complaint narrative:
I have over XXXX inquires. That I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
As a follow-up to complaint XXXX, on XX/XX/2023, Mr. Cooper made an unscheduled XXXX unapproved debit of my ( and I assume thousands of others ) linked checking account without notification. My monthly payment is scheduled to be completed on the first of the month, as has always been the case for the duration of this loan. The lack of information flow and poor management of the cybersecurity incident affecting Mr. Cooper has left me without a sense of what PII may have been released, when future payments will or will not be debited, and severe lack of confidence in the ability of Mr. Cooper to service my loan competently.

Furthermore, payments are not being recorded on Mr. Coopers website, despite clearly being recorded by the bank ( see attachments ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX XXXXXXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX account to TD Bank at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: CA

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
XX/XX/2023 I assumed a person was trust worthy since people in a trucking dispatch/carrier group chat were responding to this lady named XXXX XXXX posing as someone official who could help guarantee grant money and help with grant applications. Instead of doing a real application the person scammed me of every penny I had. XXXX  XXXX and cashapp denied my requests for refunding. Its left me with many mixed emotions given I have a son and had to tell my family I have no gas or money for food to take care of him nor money to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
MY CD matured on XX/XX/XXXX. I called Ally Bank on XX/XX/XXXX to have them transfer the full amount of the CD to my bank account upon maturity. However, they claim we got disconnected during the telephone call since they didn't give me all their disclosures. 

I called them yesterday - XX/XX/XXXX and now they claim there would be a penalty since it is past the 10 day grace period of maturity. On the 11th day i call them and they say they count the days in the grace period and include the date of maturity in their calculation? 

Please have them send me my money to my bank account from my CD without any penalties!!

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 2023-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc
State: MD

Complaint narrative:
I rented vehicle from XXXX around end of XXXX. By the time I reached the counter it was late and I had my toddler in my arms. I signed for the vehicle and did not realize that company had tagged on additional fees. Next XXXX  I called XXXX and explained that I didn't agree to the services. They said at this time we can't help me. I then called my credit card company ( XXXX ) and explained them what happened and filed a dispute. The original amount XXXX charged was {$670.00}. The disputed amount was {$150.00}. After few days I received letter from XXXX stating that dispute went in my favor and XXXX will credit me {$150.00}, which they did in early XXXX. XXXX months later on XX/XX/XXXX, with no prior communications, I received letter from Joseph Mann & Creed that my account was reported to collection agency. I was furious to find out that despite making payment of the entire amount of {$670.00} was reflected on the collection document. 

XXXX is refusing to listed to my concern and so is the XXXX collector agency. I response I am getting is " it is what it is '' and you owe the debt. I have near perfect credit and have never missed any payment. Further, credit card company can confirm that my account is current and all payments have been made to XXXX. 

These are the times when vendors are taking advantage of consumers and reporting to debt collector to collect double payments. This is wrong and immoral on so many levels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Commencing on or around XXXX XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX. 
XXXX ( the XXXX ), which involved me making deposits for a total amount of XXXX my Coinbase account to a fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2023, BY MY MISTAKE, I instructed XXXX XXXX to make an electronic payment ( {$3600.00} ) to a credit card account in my name at Chase Bank - that credit card account had been long ago closed at Chase Bank. No payment was due to Chase Bank ; I mistakenly sent the money to Chase Bank. 

I spoke to Chase Bank payment service agents on XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ), asking for a refund of the money I had sent from XXXX XXXX to Chase Bank. Both agents acknowledged Chase Bank had received my money from XXXX XXXX, acknowledged the credit card account was long ago closed, and said Chase Bank would investigate making a refund. I heard nothing back from Chase. 

On XX/XX/XXXX I sent personal email to CEO of the Chase Banks credit card business, seeking resolution. On XX/XX/XXXX I mailed a certified letter ( duplicate of the XX/XX/XXXX email ) to the CEO of the Chase Banks credit card business. 

On XX/XX/XXXX Chase Banks Executive Services agent ( XXXX ) called me to say : she had my XX/XX/XXXX email, she is my contact point for this issue, Chase Bank is investigating, and XXXX will keep me informed. 

On XX/XX/XXXX, XXXX of Chase Bank Executive Service called to say : she has found the transaction and Chase Bank is processing a refund to my account at XXXX XXXX ; the refund will be completed in 7-10 business days. 

On XX/XX/XXXX, I called XXXX of Chase Bank Exec Services and left this message : my account at XXXX XXXX has not received any refund ; please provide transaction tracking information I can provide to XXXX XXXX. XXXX of Chase Bank B did not call back. 

On XX/XX/XXXX, I again called XXXX of Chase Bank Executive Services seeking tracking information. I said would initiate a complaint with CFPB if Chase Bank did not call back. 

On XX/XX/XXXX I initiated this CPFB complaint, and provided a copy to the CEO of Chase Banks credit card business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Credit of XXXX XXXX XXXX date stated XX/XX/2023. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debit, in fact therefore exists.

Company response to consumer: Closed with explanation