vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Threw the fair credit reporting act I am allowed bi law to dispute and validate the debt before any negative actions is taken against me and my credit report I have tried for the past to years showing proof that they did not contact me because I was not located at the address they mailed the letters to. You are unlawfully trying to collect a debt that you forfeited bi not awarding me the opportunity to validate the debt. I have awarded the attorney general of New York State of the violation since it is also past the statue of limitation of the debt. This will be forwarded to them and your tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
-UNRECOGNIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EQUIFAX MORTGAGE SER , 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Spoke with agent on phone XX/XX/23 because they froze my account due to depositing a check for my minor daughter. They instructed me to go to a local bank branch and bring her birth certificate in herself, and they could unfreeze my accounts. So I have to drive 45 minutes to the nearest open branch with my daughter, her birth certificate, and her social security card and my state issued ID. For them to tell me that I have to get a physical ID card for her from the DMV or her student ID which she doesnt have one and until then I have no access to my money. Any of it to pay bills to eat anything. Now had they told me they needed a picture ID I couldve made arrangements, or at least tried so now Im out gas time and now I have no access to any money which is financially hurting me. Because two forms of ID with my physical ID is good enough for employment and for XXXX XXXX XXXX but theyre gon na hold my money from me until I can either get it issued ID from DMV which could take weeks or I can appeal to her school please make her physical ID because shes not in a grade that gets those, so they have put me in a position to where I have no access to any of my money, for God knows how long and theres nothing they can do I beg to differ.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I made a final payment on my XXXX  Mastercard. In XXXX I received a refund check in the same amount as my final payment. Payment was misposted and refunded to me with no further explanation. In XXXX of XXXX XXXX XXXX notified me of a delinquent account with XXXX  Mastercard ( commenity ). I logged into my account ( they do not send statements by mail or email ), and saw that interest and late fees started accruing without my knowledge since XX/XX/XXXX. Upon calling commenity they notified me it was my responsibility to keep an eye on my account and was responsible for nearly {$300.00} in late fees plus the original balance I paid off. I filed a dispute and during this time my credit score dropped XXXX points and additional fees and interest accrued, even though the collections agent advised me that wouldnt happen while under investigation. 60 days later I received a letter advising me the dispute was denied since I did not notify them within 60 days of the initial error ( apparently as stated in the terms and conditions ). I have since written a letter to the CEO to reconsider the decision and my credit score is now down XXXX points and the account has accrued additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I currently use XXXX XXXX for credit monitoring. 

On XX/XX/2023 I received a notification that my Experian credit report had been accessed by a XXXX dealership in California. I did not apply for credit and did not authorize access to my credit report. 

I contacted the XXXX dealership by email and by phone to inform them that the activity was fraudulent. They told me someone applied through their online system and that they are not responsible. 

I tried repeatedly, for days, to place a freeze on my credit report at Experian but can not get past their automated phone system/bots and their website system does not recognize my SSN to create an account to implement a freeze on my account. There is no way to contact them without using their chatbots. I reached out to company executives on XXXX but there has been no response. I have reached out to my Senator 's office ( XXXX XXXX ) for assistance. 

I received a credit protection kit from XXXX XXXX and filed a police report with my local police department.

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 2023-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management , INC, filed a lawsuit in the XXXX XXXX XXXX, XXXX Ohio on XX/XX/2023 for the amount of {$1300.00} against me. I never gave this company my personal data and I have no clue who these people are, they have stolen and used my data and made it public. I have never spoken to anyone or authorize or had an agreement with Midland Credit Management , Inc, this is unlawful and it is identity thief also. They have hired a law firm and filed a claim against me, it's against the FDCPA to hire an attorney and is false representation. The Attorneys names are XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX attorneys for the plaintiffs. 

Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
QWR and DVR and Complaint. According to computer generated respond, a hedge fund XXXX XXXXXXXX XXXX ( under XXXX XXXX XXXX  and XXXX XXXX executives leadership ) who own some " servicing rights '', acted under glimpse of XXXX XXXX XXXX XXXX XXXX and insisted that effective XX/XX/XXXX, the servicing rights for the alleged " Loan '' were released from XXXX XXXX XXXX and transferred to XXXX XXXX processed payments, credits, charges, and advances while it was servicer for the Loan. 

Please identify WHO released servicing rights from XXXX to XXXX [ the name of the Company and its individual responsible representative ] and for WHOM XXXX collected and processed my payments between XXXX to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act ; Companies Name & account Number XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ; Hard Inquiry Filling date XX/XX/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..

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 2023-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
File # XXXX PIN : XXXX XXXX DOS XX/XX/2021 Name : XXXX XXXX XXXX- We received a bill from CCS when he never received anything from XXXX XXXX. We sent CCS a message through their portal to verify this debt with evidence and never heard anything. They are still sending notices to pay. Obviously, wires are crossing and nothing is being resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
On XXXX XX/XX/2022 I had an automatic payment scheduled for {$320.00} to come out to pay on the loan. The auto pay was coming out of a different account than what I had planned and I canceled it and paid it manually from a different account. The auto pay showed as returned for insufficient funds but the manual payment went through. The XXXX payment should have brought the account current but next month ( XXXX ) showed that the minimum payment due was now over {$500.00}. When I called to ask why they said that I had missed multiple payments and I needed to pay this amount. I talked to multiple agents and requested an inquiry be filed. They would agree but then I would hear nothing about the results. I then began to request to speak to a supervisor and would either be put on hold then hung up on, or told they would call me back. Never happened. Now due to late fees and interest my minimum payment due is over {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
15 US Code 1681e states that 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. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered. 

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still 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 explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation
State: CA

Complaint narrative:
On XX/XX/2023, in my spam email is a scam email asking for money for a non-existent loan from a company I have never heard of nor contacted. I was going to report to this to the FTC but my choices had me redirected to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: P&B Capital Group, LLC
State: GA

Complaint narrative:
I receive messages from random numbers telling me " XXXX XXXX, P & B LLC has an important message for you. Please call XXXX and reference file # XXXX to receive this message. Stop to Stop '' I am not XXXX, I have replied with that message. I have replied with " Stop ''. I have also replied by typing Stop around 100 times. This company has text me today XX/XX/23, and several times before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
My credit has been compromised I put a alert I check my credit today there is a company called National Credit System account number is XXXX this has been on my credit since XX/XX/2021 I have call this company I don't know how this ended on my credit the information doesn't match mines i have a fraud alert and i dont understand please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
16 late payments reported to my Equifax report from domestic relations for child support when I had and have still a wage attachment from my job which takes it out every week Dates : XX/XX/XXXX thru XX/XX/XXXX Thats a total of 16 late payments I have included 2 pictures of paystubs from XXXX app as well to show the child support garnishes from the beginning of the late payments till the end and cand provide all of them if necessary which I did to Equifax I sent them and faxed them pay stubs In letter and PDF forms this is really hurting my credit Im trying to buy a house for my family Thanks you for the help and attention to this complaint Blessing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC
State: NY

Complaint narrative:
In XXXX I closed on a 2nd mortgage for the down payment on the 1st mortgage with the same lender. I made on time monthly payments through XXXX. During that time the mortgage lender changed 3 times, from XXXX XXXXXXXX XXXX XXXX XXXX, to XXXX XXXX XXXX, to XXXX and Trinity Financial Services LLC, the last lender is attempting to foreclose on the XXXX mortgage stating that I owe almost double the amount of the original loan. I believe the statute of limitations has expired on this debt and that this loan was written off as a result of the housing market crash in XXXX. TFS appears to be a less than actual mortgage lender. There's only virtual mailbox addresses form them. I believe that TFS somehow attained my information and is illegally attempting foreclosure on my house similar to property theft.

Company response to consumer: Closed with explanation