vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: NC

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Dear United Auto Credit I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: FL

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed inaccuracy over 5 times with XXXX, equifax and XXXX, i have informed them that this debt collection is not my debt and to provide me with exact proof of a contract with my original signature, i do not have a contract with XXXX XXXX XXXX, they have violated my rights by spam calling me and sending me endless emails of a document with no signature, this document is just my name and a inaccurate debt owed, i informed them over 10 times that this is not my debt and to contact the original debtor for a signature on this debt that i agree and binded myself into this debt. they have yet to provide that. I informed XXXX and equifax and XXXX and they are refusing to remove a debt that is not mines. The debtor keeps reporting interest on my credit which is also illegal because it is not my debt which is causing my credit to go down and putting me in a financial burden, i have also asked all XXXX credit companies XXXX equifax and XXXX to provide me with proof and according to fair credit reporting agency i am allowed to request the exact description on how this proof was obtained and i have yet to receive either passing 30 days. This collection needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed inaccuracy over 5 times with experian, XXXX and XXXX, i have informed them that this debt collection is not my debt and to provide me with exact proof of a contract with my original signature, i do not have a contract with XXXX XXXX XXXX, they have violated my rights by spam calling me and sending me endless emails of a document with no signature, this document is just my name and a inaccurate debt owed, i informed them over 10 times that this is not my debt and to contact the original debtor for a signature on this debt that i agree and binded myself into this debt. they have yet to provide that. I informed experian and XXXX and XXXX and they are refusing to remove a debt that is not mines. The debtor keeps reporting interest on my credit which is also illegal because it is not my debt which is causing my credit to go down and putting me in a financial burden, i have also asked all 3 credit companies experian, XXXX and XXXX to provide me with proof and according to fair credit reporting agency i am allowed to request the exact description on how this proof was obtained and i have yet to receive either passing 30 days. This collection needs to be removed.

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 2024-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I withdrew bitcoin from my XXXX  broker and sent it to Gemini. Gemini received the bitcoin sent from my broker and when they received it they froze my account because they said they suspect suspicious activity from the address the bitcoin was sent from. I created a ticket to resolve the problem. Provided a picture of me holding my state ID with a paper that had the case number written on it as that was requested by them. all of that was done swiftly on the XX/XX/XXXX XXXX it has about 3 weeks of no response from the support of Gemini. I would like my account unfrozen so I can retrieve my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
This company has not notified me of a collection nor have they sent a signed copy of a contract that I have an account with them or any other creditor. They have added this account to my credit with XXXX as late. Im not sure how I can be late for something that was paid in full to the original creditor. This is the companies second attempt to collect on a paid account. This was disputed back on XX/XX/XXXX and removed. Now they come back reporting in on XX/XX/XXXX as a late account advising that it was their account since XX/XX/XXXX. Please explain how. This is inaccurate reporting and I have contacted council to start litigation in small claims court. They are liars and report anything. I have paid the original creditor in XX/XX/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 non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a checking account with Citibank on XX/XX/year> and my account access was blocked for no reason on XX/XX/year>. I called the customer service a couple of times and got no productive response.

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 2024-10-22 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: Self Financial Inc.
State: KY

Complaint narrative:
This was an account on my consumer report, that I never had, Im requesting a document with both parties signatures on there stating that we had done business, if not this is a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The credit bureau is reporting a collections account on my credit report that is unverified. There is no validation of debt that was sent to me. I looked on the New York Secretary of state website and I saw the company was registered however it has been inactive since XX/XX/year> so how is it still on my credit report there is no way its validated. : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: OH

Complaint narrative:
My home ended up in foreclosure I filed XXXX XXXX  three times and have three different case numbers to us bank 's one foreclosure number also a US bank rep appeared in bankruptcy court agree to work with me and give me a loan modification I took the home out pay the reinstatement fee and was waiting on updated documentation it was never received because my home was sold while I was still in it then I was later on evicted and left homeless at that time it was XXXX in escrow that was never applied to the loan is that in a suspense account prior.. I have requested all of the documentation two times and have not received anything other than the runaround from US Bank home mortgage I was on XXXX social security I have been cut off because I was told I sold my home I never sold my home. My home was took out my name illegally and US Banks representatives were involved.

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 2024-10-22 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: MD

Complaint narrative:
The following Inquires did not get permission from me to run my credit, these agencies i have reached out to on a recording line and they have denied that they ran my credit, i have disputed these before over the years and asked for removal. According to fair credit reporting agency i can request proof of the exact description of how they found these accurate after informing them they are inaccurate. 


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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
XXXX XXXX filed a lawsuit against me without any written notice or communication. I requested validation on XX/XX/year> by certified mail. I received response from the said attorney by XXXX mail on XX/XX/year> dated XX/XX/year> with insufficient validation. The lawsuit was filed on XX/XX/year>. The only way I found out about the lawsuit was through mailed attorney advisements, none came from XXXX XXXX 's attorney XXXX XXXX XXXX XXXX. My consumer rights have been fully violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry XXXX XXXX XXXX and XXXX XXXX XXXX removal. 
Please remove this inquiry.

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 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: NY

Complaint narrative:
Systems & Services Technologies Inc ( SST ) took my debt over when the company XXXX went under. XXXX XXXX ( days after the balance was transferred ) called SST and asked to pay my account in full the representative informed me to go to their website and pay via the homepage and once I paid the amount shown my account would be paid in full and closed. I did so. End of XXXX I received email and text notifications that my payment was due. I called SST confused why I owed money and was told interest had incurred since my XXXX payment because I was supposed to follow this roundabout hidden way to pay in full to officially close the account that was not the same process I was told to follow. Because I was misguided a manager offered me a 25 % discount on the interest wrongly incurred and said she would close the account that day. I requested an email confirmation that the account would be closed and was informed I would receive on in 5-10 business days. XXXX XXXX I received more email and text notifications that my payment was due. Again I called and was informed that I had a balance of {$25.00} which was {$1.00} over the {$24.00} minimum threshold to close the account with a balance. I explained the previous events. They said they would escalate it to process for account closure so I asked for email confirmation and a claim number to confirm the escalation. I was told I would receive an email in 16-20 business days with that information. Every time I call I owe a new amount because of some new " mistake '' on their end that they can never solve over the phone and they repeatedly refuse to close my account despite it being paid in full the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
In XX/XX/year> my wife went into first national bank on XXXX XXXX XXXX XXXX XXXX. I was not present. The woman asked about a credit card which my wife declined. Then after my wife left she lady signed both my wife and I up for a XXXX credit card each. Again my wife said no and I was not even present to give my permission to run my credit. They said it would not hit our credit and it did. They have agreed to have it removed it from our credit but the bank refuses to do anything to punish or reprimand the worker whose name was XXXX who fraudently did this or the manager at the time who was right there and said she heard my wife say she wanted these cards. We have spoken to police, the bank corporate office and now you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: WV

Complaint narrative:
XX/XX/XXXX I received my ESCROW statement from PHH mortgage indicating my homeowner 's insurance ( XXXX ) cost with remain the same from XX/XX/XXXX through XX/XX/XXXX. 

XX/XX/XXXX I received my ESCROW statement indicating a significant increase in my homeowner 's insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After consulting with XXXX, there was no explanation for the increase ( IE : no claims, faults, etc. ). I also learned that PHH mortgage paid XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, as a result, there is a significant increase to my monthly mortgage payments. 

The dates and payments do NOT coincide with each other and I believe PHH mortgage is at fault. The timeline of the policy amounts and payments do NOT coincide with each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
This account was opened XXXX XXXX. There are over a year of payments not accounted for that are all positive. Payment history is different on all three credit reporting companies. Per Fair Debt Collection Practices Act, Pennsylvania Fair Debt collection Practices, Fair Credit Extension Uniformity Act. 
It is the responsibility of the Credit reporting companies to report accurate and correct information. 

I have attached copies of my credit reports for all companies. Please correct or delete this account. 

I requested verification of payments from Discover they have yet to respond

Company response to consumer: Closed with explanation