vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: AZ

Complaint narrative:
I first received a debt collection letter from Zions Debt Holdings in XXXX that said I owed {$0.00}. I didn't think anything of it because of the amount so I shredded that paper. Yesterday on XX/XX/XXXX I received another debt collection letter from Zions Debt Holdings that said I owed {$150.00}. I made contact with Zions Debt Holdings today XX/XX/XXXX and the representative I spoke with stated that I defaulted with XXXX and owe this amount to them. I told the representative that is not true, that I cancelled my service with XXXX XXXX XXXX once I was able to because I was locked in for a certain amount of time ( 3 years ). The representative asked if I had anything in writing- the cancellation request. I advised him no because I had called XXXX and cancelled the service. The Zions Debit Holdings representative told me that per the contract I signed it states it has to be in writing. Which I told him that I called XXXX XXXX XXXX and spoke with someone and cancelled the service. Which then at that point he threatened me that if I don't have proof of cancellation in writing that I am responsible for paying this debt. I told him that I am not going to pay it then hung up. Then I searched my email and found an email that I received from XXXX XXXX XXXX on XX/XX/XXXX that states : " Subject : We hate to see you go! 
We see you have cancelled your professional home monitoring with XXXX XXXX on XXXX. 

We hate to lose you as a valued customer and want to give you one more offer before you go. Call XXXX and speak to a customer care consultant who can create a customized home security offer exclusively for you. 

If you change your mind about professional home monitoring, we hope you will reach out to us for reactivation at XXXX " Once I found that email I called Zions Debt Holdings, spoke with same representative ( I forgot his name ) and told him that I found proof and read to him what the email states. 

He told me to forward the email to XXXX and that I should receive a response via email in 3 business days. 

So I did forward the email to that email he gave with a subject line of : " Reference # - XXXX| XXXX XXXX ''

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: GA

Complaint narrative:
This company can not verify conviction in accordance with FCRA standards. I will submit a copy of my future federal complaint that outlines my issues.

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 2024-05-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XXXX XXXX XXXX XXXXXX/XX/year>, I was approached by a man that asked me for gas. He insisted that he XXXX XXXX me because he had lost his debit card the night before. When he sent me {$60.00} on my Navy Fed app ( a common practice in the service ) he convinced that he electronically sent me {$6000.00} instead of {$60.00} and asked that I refund the funds immediately. I took {$1000.00} out of a local ATM and transferred {$3000.00} via XXXXXXXX XXXX 
When I contacted the bank on the following business day, they notified me that there was a personal loan taken out in my name and that is where the money had came from. I filed a police report and a fraud claim with Navy Federal. The police report is in progress. Navy federal has denied the fraud claim and states I am still responsible for the loan.

I was told by a Navy Federal Employee that this is a reoccurring scam in the XXXXXXXX XXXX area. A gang of males are going around to service members asking for gas money and applying for loans in the service members names and then asking for the money to be sent to them prior to the service member knowing that it is a fraudulent loan. 
Complaints : 1. There was a loan taken out in my name, not authorized, or verified by me. I was never called and no personal information was obtained prior to verifying the loan.

2. This is an ongoing scam allowed and willingly acknowledged by Navy Federal. They are aware that the loans are not authorized by the bank member and yet continue to authorize loans immediately. I do believe that this is fraud committed by the Credit Union ( they are also gaining monetarily ) as well as fraud committed by gang members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: GA

Complaint narrative:
I am writing to follow up on my recent dispute concerning unauthorized and inaccurate inquiries on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I kindly request immediate action to remove these inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I kindly need you to attend the following items in this letter, which contains data directly from my credit report, which you have provided. 

Late Payment : XX/XX/2023 APPLE CARD - GS BANK USA is reporting a late payment to my credit report. This is improper use of my credit for two reasons : In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Reason 2 : I was on XXXX XXXX orders during the time the payment was reported late and according to the Servicemembers Civil Relief Act - SCRA that if you use any of your SCRA rights and delay payments, it won't reflect on your credit report. I have provided this furnisher with a letter from my XXXX indicating I was under orders but this is still reporting and heavily impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

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 2024-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-05-10 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
I am the victim of XXXX XXXX. I learned this fairly recently but it has been a few months now. I followed all of the procedures correctly and I filled out all of the reports just like I was supposed to and sent them off to the credit bureaus with my IDs attached. The problem is that they have not responded to me AT ALL and it has been well over the XXXX days they have by law to do so. I know that I have rights under Federal Law but these credit bureaus seem to think they are above the law! Please help me. This is really messing me up!

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 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through XXXX. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the XXXX agreement we have

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 2024-05-10 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, Regarding the reviews written on XX/XX/XXXX of 2024 on CFPB complaints numbers XXXX and XXXX, I would like to request your company, Early Warning, to ask the XXXX XXXX XXXX  branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX to send me the written format letters, which I can open the envelop and read the content. Your employee stated this branch must have sent me the information and investigation result ; however, since I could not find out this information in my online banking account. Since I have continued to have issues online and beyond, I have decided not to open any links which might be suspicious, such as irregular usage of images online sent to my email addresses with unfamiliar sender email address. Would you ask your related branch employee to send this information through official banking account? 
Even though you have mentioned three credit report companies, I have already contacted and still in disputes including with thy company, Early Warning. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
See prior claim against XXXX because we thought that's what the Attorney General 's office meant. Instead it was to be submitted against Bank of America. Complaint # XXXX. We have spent hours on this fraudulent XXXX XXXX XXXX 

We didn't challenge the XXXX XXXX {$19.00} in XXXX respectively because we knew there were tolls and expect about XXXX  XXXX. We fought the damage because there was no damage to the car and they would not provide proof so we finally won per se with Bank of America. We fought the {$86.00} which showed up the week following the dispute on the {$710.00}. We asked for proof on the {$86.00} because we ran the tolls for the route we did and it is about {$7.00} so what is the {$29.00} and {$86.00} for. We are sick of Bank of America continuing to let charges come through and hit our card. They are permitting even after the original card was cancelled. 

XXXX is sending through fraudulent charges and Bank of America keeps permitting this. We have provided detail of our requests to XXXX, an email that says we will not be charged, our print out of the tolls that we most likely would have hit {$7.00}. We need help resolving this. 

See attached proof we have a working XXXX dispute with BOA for the tolls charges, our attempts to communicate sixt and resolve via BOA.

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 2024-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GB Collects, LLC
State: PA

Complaint narrative:
GB Collections LLC attempted to collect an amount of money improperly billed by a legal firm to me.

For legal services provided by XXXX XXXX XXXX, I was billed {$31000.00} in addition to the XXXX XXXX i already paid this firm. 
I informed them that the billing statements they provided me contained # 1 - Billing for unneccessary work. For example engaging in negotiations I did not authorize, billing for 2 attorneys time, when I requested and the agreed to use the services of a junior attorney to complete tasks, with holding information regarding precedent rulings that would have streamlined the negotiation process in my case. My case was so poorly handled that days after I discharged XXXX XXXX XXXX from my service, the apposing party approached me with a standstill agreement and stopped their most recent line of harassment in the form of threats to take away my rental permits. 

# 2 Overbilled for time for phone calls made to me, for which I have records.

# 3. Did not give me phone records validating time spent on phone calls made with third parties on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I responded to a letter they sent me asking them to 1. Provide proof that I owe them the debt with supporting documents AND 2. Only communicate in writing. 

They received my certified mailed letter on XX/XX/24. 

They have called on XX/XX/24 at XXXX from phone number XXXX And again on XX/XX/24 at XXXX from phone number XXXX

Company response to consumer: Closed with non-monetary relief