vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Solutions, LLC
State: GA

Complaint narrative:
On Friday, XX/XX/, I contacted Asset Recovery Solutions , LLC via chat after speaking with XXXX XXXX, XXXX and being informed, for the first time, Asset Recovery had my debt. XXXX XXXX gave me reference number ( XXXX ) to give to Asset Recovery. After speaking with Asset Recovery, I was informed by the agent that my file was " no longer '' in their system and they gave me a number to call XXXX. XXXX said they didn't have my file and gave me another number to call. I spoke with at least 5 different debt collection agencies that day and gave out my PERSONAL information over 5 times, only to be told by each representative the same thing - 'they do not have my file. ' XX/XX/, was the very first day that I have ever received any communication from Asset Recovery Solutions, despite being told that my information was not on file. I emailed them back requesting verification, but they never responded. Today, XX/XX/, I reached back out to Asset Recovery via chat and was conveniently told they had my file AND they received my email. 

I asked a myriad of questions for clarification on why I was given the wrong information, why it took so long for them to reach out to me, and what actions were taken for them to now have this debt - considering when I asked, they said they did not have it. The agent I spoke with today is the same agent I spoke with on XX/XX/XXXX. He would not give me any straight answers and essentially, blamed me for giving the wrong reference number during our first conversation ( the number XXXX  gave me to give Asset ) ; yet, he made no attempt to even investigate during our first communications. After speaking with Asset Recovery today, I re-contacted XXXX  and was informed ( again, for the FIRST TIME ) that my file was initially with XXXX XXXX and I could contact them for further information. 

All in all, I have been attempting to verify this debt for MONTHS. I never received any communications from any debt collection agencies until I reached out to them. The only reason I knew of these agencies was because I noticed charge-off on my credit and disputed it. There has been no written or verbal communication with me from the original creditor or any debt collection agencies until I initiated an investigation. I have been given false information, ran around in circles, and ultimately, mistreated. This is severely affecting my credit and I can't get approved for a home because of it. Nothing about this makes sense nor does it feel ethical. I have disputed this numerous times with each Credit Bureau and provided documentation for each encounter. 

I am attaching documentation of my conversations and falsely reported payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to you personally to address the matter of a debt collection by LTD Financial Services in the amount of {$150.00}, which is alleged to be owed by me. After careful investigation, I have determined that I am not liable for this debt. 

I find it necessary to bring to your attention that I have previously sent a letter outlining my position and disputing the debt to LTD Financial Services. Additionally, I explicitly requested a response by email. However, to date, I have not received any verification of the debt or a response from their organization regarding the contents of my letter. I saw the collections on my credit wise report and immediately filed a dispute with XXXX. That is currently in process. 

As the first of XXXX roommates to check out of the college apartment complex in question, I want to emphasize that I diligently signed the move-out documentation, clearly stating my non-involvement in any damage to the common areas. Moreover, I have meticulously recorded and preserved images of my personal room from the day I moved out, providing conclusive evidence that it was left in a perfect condition. 

It is essential to note that the apartment complex did not notify me of any damage to the common areas during my move-out. Therefore, the issue of damage was not communicated to me, and I am not responsible for its resolution. 

Based on these undeniable facts, it is evident that the debt being pursued is not applicable to me. I kindly request that you assist in these collection efforts against me. 

Thank you for your prompt attention to this matter. 

Please see the following pictures for proof of no damage. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXt # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX have violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions also codes 15 U.S. Code 1666b,15 U.S Code 1605, 15 U.S. Code 6802, 15 U.S. Code 1681i ( 5 ), 15 USC 6802B these late payments need to be changed to paid on time never late and deleted and accounts removed immediately and {$1000.00} per violation done equaling to {$7000.00} check mailed to my address per UCC & USC laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I inherited a property from my parents. My parents acquired the property a second home in XXXX. They originally signed a mortgage note with XXXXXXXX XXXX and XXXX. XXXXXXXX XXXX sold the mortgage note to Doral XXXX which no longer exists in Puerto Rico because they committed fraud. In XXXX my mother payoff the mortgage note to Doral XXXX. I have copy of a manager 's check. All assets of Doral XXXX XXXX were acquired by Banco Popular de Puerto Rico in XXXX. I went to Popular XXXX  XXXX and they told me they only have documents from XXXX. The problem I have I need to sell the property because I am divorcing and need the money to buy an apartment since the property I inherited is too far away from my job. In order to do that my lawyer needs a letter informing that the mortgage note is paid in full, to start judicial proceedings for a lost mortgage note. I telephoned FDIC and they referred me to Federal Reserve. Federal Reserve answer me telling to contact your agency to solve my problem. Please Help me, I feel like I am a ping ball going agency through agency and nobody delivers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: PA

Complaint narrative:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. Under the permissible purpose section of the Fair Credit Reporting Act, I have NEVER given this agency written consent to report this information. 

I demand these accounts be deleted from 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 explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I Wrote two checks from Chase my business account XXXX one to XXXX XXXXXXXX XXXX My accountant ( {$500.00} ) and the second one for my Lawyer XXXX  XXXX ( {$1000.00} ) Somebody obviously stolen the checks both did not receive and I had to pay them few weeks later both checks were cashed by a different by a bank in XXXX Virginia clearly the endorsement on the back of the check does not match the person who the check was made to. Since XX/XX/XXXX I have been trying to recover my money from Chase, after two years they told me I should have received a letter in XX/XX/XXXX telling me I need to call the other bank I hang up on them and one of the account manager at Chase gave me your website to file a complaint If the other bank made a mistake and cash those checks to the wrong person, chase should have not gave them my money I think chase should give me my money back ... Because they paid illegally to the wrong person. In my opinion they are trying to cover the mistake for making me pay for it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Visited XXXX XXXX 's website to explore debt consolidation loan options and check rates. Through the prompt I entered in my identity information and at the bottom of the screen before clicking accept there was language staying " accepting will not impact your credit score. '' After that I received a credit alert that XXXX XXXX had submitted a hard credit inquiry. I was transferred from a local branch to corporate to speak with XXXX in the Disputes Department. XXXX " XXXX '' advised me that I am incorrect and that I must have " checked a box '' to authorize them pulling my credit through the interface. I advised her that I did not and offered to go to the website to take screenshots. She told me it wouldn't be necessary and there is nothing she can do and that I would have to file the dispute with the bureaus. She told me it was an FCRA violation for them to delete the inquiry. I advised her it was also an FCRA violation for them to conduct a hard inquiry without my explicit authorization and verifying my identity to ensure it was me and that there should be someone to whom can help me like this as it could be a technological issue between XXXX XXXX XXXX XXXX... I probed a bit more to see if there is someone else to speak to and she said that they don't have a department that can help me remove the inquiry. I advised her that this isn't an acceptable practice and that I will never do business with this organization. I then requests as a California Resident for them to remove any and all data from their systems about me ; she condescendingly stated " We'll see what we can do '' and ended the call. 

Bottomline : They are in FCRA violation by pulling my credit without explicit consent or if consent was captured it was not in a clear acceptable way that I knew as an end user what I was doing. As result, my score decreased XXXX points via Experian for just checking a rate on a personal loan. This can impact negatively and the service I received was negative. Now working with the bureau on the appropriate dispute.

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 2023-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Under CFR 102.11 a All the companies being reported on consumer 's account by Transunion, XXXX, XXXX as consumer account created in the total Sum Due over a {$1.00} terminates the account through Unearned finance charges and insurance premiums held for the benefit of the consumer for primary personal family House-hold purposes : and not for : commercial business transactions. Under 1026.4 Finance charge. The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. Under 1026.18 Content of disclosures. Official interpretation of 18 ( c ) Itemization of Amount Financed Disclosure required. The creditor must inform the consumer, on segregated disclosure, a written itemization of the amount financed on request, Consumer In Fact request Itemization of Amount Financed on all accounts being reported. This written Request for : The following Companies companies, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  being reported by : XXXX, Transunion, XXXX, to return to consumer the written itemization of all Finance Charges being reported on Consumers Credit Report. Under 15 USC 1611 whoever willfully and knowingly Give false or inaccurate information or who fails to disclose information he is required Shall be fined no more than {$5000.00} or 1 year in prison or both

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 2023-06-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Under CFR 102.11 a All the companies being reported on consumer 's account by XXXX, Equifax, XXXX as consumer account created in the total Sum Due over a {$1.00} terminates the account through Unearned finance charges and insurance premiums held for the benefit of the consumer for primary personal family House-hold purposes : and not for : commercial business transactions. Under 1026.4 Finance charge. The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. Under 1026.18 Content of disclosures. Official interpretation of 18 ( c ) Itemization of Amount Financed Disclosure required. The creditor must inform the consumer, on segregated disclosure, a written itemization of the amount financed on request, Consumer In Fact request Itemization of Amount Financed on all accounts being reported. This written Request for : The following Companies companies, Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX being reported by : Equifax, XXXX, XXXX, to return to consumer the written itemization of all Finance Charges being reported on Consumers Credit Report. Under 15 USC 1611 whoever willfully and knowingly Give false or inaccurate information or who fails to disclose information he is required Shall be fined no more than {$5000.00} or 1 year in prison or both

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Selene Finance is the mortgage company that I have a loan with. 
I have been trying to get a loan modification with them. All documents were sent several months ago.They have used stalling tactics to keep our loan from reaching the underwriter. We have have documented date times and duration of every call and it is pure waste of time. 

It is as if these folks are not trying to help customer in need of mortgage assistance on purpose. All required documents have been sent. Yet they continue to string us along to this day as we approach the deadline for the file to be reviewer. 

When we ask for managers or escalations, we are dumped right back into the queue for calls to start over. We have been put on hold for infinite amounts of time. 

One of the supervisors name XXXX XXXX informed me that I would get a call back from the escalation team and no one returned the call. 
She claimed that she would write a letter of complaint of my behalf to the ombudsman and I explained that his would be a conflict of interest if such a department existed. 

Their business practices are very shady and how they handle customers is terrible. I feel bad for anyone who has to put up with the treatment they get. 

The level of customer service is terrible but the stalling tactics are in violation of many laws and this is why I decided to file a complaint here. I hope CFPB Can address these issues as I have documentation to support my claims. 

If you are dealing with Selene Finance, please logged date and times of all calls, names of people you speak to and their supervisors. There seems to only be one that keeps taking our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reportsXXXX 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 2023-06-30 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: Unifin Inc.
State: TX

Complaint narrative:
This company contacted me asking me to verify my information without telling me who they were or what the call was about. They continue to try to get me to say yes, or affirm my information in a very threatening manner. I would not verify because I felt it was a scam. They disconnected the call. I called the number back, asking them why they were calling me and then they gave me my wifes information instead of mine, saying they were not looking for me. They were actually looking for my wife. I told them that I was recording them the same way they were recording me and they hung up on me. I spoke with the supervisor XXXX during the call when I called back after he hung up, I called them back again and another gentleman by the name of XXXX answered the phone and said that it was my debt but he did not have the correct Social Security number. I asked them to remove my name from Their system and delete any information they have about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 
XXXX  acct # XXXX XXXX XXXX. section 602 A. States I have the right to privacy.

15 U.S.C. section 604 A. Section 2. It also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other advise item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( i ). A person shall not furnish information relating to any consumer if- the person has been notified by the consumer at the address specified by the person for such notices, that specific information is 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 non-monetary relief
Consumer complaint received 2023-06-30 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: JPMORGAN CHASE & CO.
State: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation