vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX Experian, XXXX XXXX XXXX is missing generation identifier. These are inaccuracys Experian reports status updated XX/XX/XXXX XXXX reports status updated XXXX XXXX XXXX reports status updated XXXX XXXX. These are inaccuracys. 

Experian reports last payment date XX/XX/XXXX. XXXX is missing last payment date. XXXX is missing last payment date. These are inaccuracys

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
Complaint Against 1st Franklin for Failure to Respond to Debt Validation Letter. 

Dear Sir/Madam, I am writing to file a formal complaint against 1st Franklin for their failure to respond to my debt validation letter dated XX/XX/2024. Despite my explicit request for verification of the debt, 1st Franklin has neglected to provide the necessary documentation within the legally mandated timeframe.

As outlined in my original correspondence, I provided 1st Franklin with ample opportunity to furnish the supporting documents and probable evidence regarding the alleged debt referenced by account number XXXX. However, despite the passage of more than 30 days from the date of my initial letter, 1st Franklin has failed to comply with federal laws governing debt validation.

Their willful negligence in addressing my concerns not only violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act but also exacerbates the financial distress and emotional burden I have endured due to this unresolved matter. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that 1st Franklin fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

Please find enclosed a copy of my original debt validation letter sent to 1st Franklin for your reference. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX all of our financial accounts were hacked! Our XXXX XXXX where they tried to steal money throw XXXX. My XXXX account where {$390.00} was sent from my account to the thief! No relief. They went into our XXXX account and charged 2 {$100.00} XXXXXXXX XXXX XXXX  XXXX refused to reimburse & so has XXXX XXXX. They used my Chase Visa card to buy 2 {$100.00} XXXX XXXX XXXX & redeemed them. Chase refuses to cover those! This complain is against JPMorgan Chase. Ive been a cardholder there XXXX years spent XXXX XXXX XXXX XXXX of XXXX with them over the years and they just said! Tough luck!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am the Trustee for the XXXX XXXX Living Trust. After XXXX died in XXXX, I tried to withdraw the balance and close the account.They took one line out of the Trust and decided that it kept me from withdrawing the funds from Wells Fargo. " except accounts held by me in a fiduciary capacity '' This line actually means if XXXX was a fiduciary for a grandchild or XXXX individual. XXXX had no fiduciary responsibilities. 

I have spent 7 months trying to resolve this. 

I am the Trustee for over XXXX XXXX dollars in various banks, credit unions and other Investments. Wells Fargo is the only facility that has taken this position. 
The XX/XX/year> Statement shows a balance of {$26000.00}.

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 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi Bank continue state that I am responsible for an account, i never authorized on top of them claiming that the account was verified without providing me with any proof my claim was denied after I filed a police report for identity thief. I would this matter to be investigated completely and deleted immediately.

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 2024-03-10 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: GA

Complaint narrative:
Here are the details and what I kindly request : 1. Debt Validation Needed : I've yet to receive comprehensive validation for the alleged debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). Understanding the specifics of this debt is crucial for me, including the amount and any documentation linking it directly to me.

2. Documentation on Debt Ownership : Could you please provide the purchase agreement between your agency and the original creditor? This request is based on my right to see proof of your authority to collect this debt, ensuring transparency and compliance with legal standards.

3. Proof of Licensing and Bonding : In the spirit of due diligence, I ask for evidence of your agency 's licensing and bonding to operate within my state. This requirement, aiming to protect consumers, aligns with general legal expectations for debt collection practices.

4. Missed Opportunity to Dispute : Addressing a critical issue, it's concerning that I was never provided the opportunity to dispute the alleged debt, as protected under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This gap in the process has significantly hindered my ability to ensure the accuracy and fairness in the handling of this debt. The Fair Debt Collection Practices Act ( FDCPA ), as specified in 15 U.S.C. 1692g ( a ), mandates the delivery of such notice. This is essential for providing consumers the chance to dispute or verify the claimed debt. The lack of any formal notification, substantiated by the absence of a certified mail receipt as proof of my informed status, starkly removes verifiable evidence that I was notified about this debt. This absence not only deprives me of my federal right to dispute but also places me at a disadvantage in safeguarding the integrity of my credit report. Given these circumstances, I kindly request that your agency provide me with proof of the certified letter purportedly sent as notification of this debt. This documentation is crucial for verifying that my rights under federal law were respected and that I was indeed given a fair opportunity to dispute the debt in question.

5. Concerns Over Credit Reporting : The presence of this collection on my credit report, without proper validation or the chance to dispute, raises serious concerns. Reporting such unverified debt contradicts the principles set by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which guide accurate and fair debt reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
The credit card company started giving me unexpected fees before I called them, the military counselor told me that those fees were illegal I contacted them ( the credit card company ) and told them that the military branch said due to the military lending act that those fees were illegal, so on my milestone card, after I called them, the lady Canceled the fee. They asked me to send them documented proof of XXXX status in the military and I did, I sent my military ID. When I sent the information in, they were able to cancel the fees on the milestone card. However, my indigo card has a {$300.00} limit and unexpectedly and out of the blue, they charged me {$100.00} annual fee which Ive never had before, which took my credit usage Over 30 % which lowered my credit score a lot. That illegal fee has dropped my credit to the point to where I am looking like Im unresponsible financially, so it is definitely causing me harm. I called them at least 10 times and they asked me each time to fax them proof of my military status. Each time I faxed them a copy of my military ID front and back thats clearly states my XXXX  status. Each time they send me a letter back saying they are unable to verify my XXXX status. So, I showed this to the military counselor, and they said thats unacceptable because all you have to do is a soft pull and it would automatically trigger A red flag on my account because of my XXXX XXXX They wouldnt do it and they continue to keep the fees on my credit card, which is growing interest and causing me financial harm because my credit score has dropped, and lenders think Im a financial risk. I made my last phone call which was one week ago today and told them that if we can not resolve the matter finally that I will report them to the CFPB. Attached, I will have documents showing where I have faxed them the proof on several occasions. Please help me resolve this matter, because they are causing me financial harm by dropping my credit score, because the banks in the credit bureau think that I am utilizing too much credit. And on top of that, Im at risk of having a late payment put on my credit because they are wanting me to pay that fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: MI

Complaint narrative:
I am writing in response to a recent notice I received regarding a collection account associated with my name. Upon reviewing the information provided, I have reason to believe that there has been an error in the reporting of this account.

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 2024-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/XXXX, a notice of an alleged debt was transmitted by email notification. The following day, XX/XX/XXXX, I conversed with XXXX, a representative from the Collection Agency, " Colombia Debt Recovery, operating as Genesis. '' During our discourse, I explicitly expressed my lack of knowledge concerning the purported debt and requested the necessary validation. In response to my validation request, XXXX neglected his commitment to investigating the dispute and subsequent follow-up. Additionally, XXXX XXXX, the compliance manager at " Colombia Debt Recovery DBA Genesis, '' failed to provide his credentials for email correspondence upon request. I stated that a validation request would follow suit and no adverse annotations be recorded on my credit history. XXXX XXXX 's contact information and position were discovered on the company 's website. Following our telephone conversation, I promptly transmitted a follow-up email containing a formal debt validation request letter, which I have included below for your reference. In this email, I articulated that any erroneous information reported to the credit bureaus would constitute fraud, for which legal recourse would file suit. I stipulated that all correspondence going forth be solely via email. Despite my adherence to this course of action, I later received an unfavorable collection remark on XX/XX/XXXX. Subsequently, I have been subjected to unwarranted and harassing electronic communications from Colombia Debt Recovery, operating as Genesis, which have failed to address my debt validation request and instead persist in further collection attempts. Despite my earnest endeavors, the adverse notation persists on my credit reports. It is crucial to note that not only is the debt in question invalid, but it also bears inaccuracies that have further marred my credit history and compromised my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
For over 3 months none of my payments have been processed on my student loans account with Nelnet. I have my account set up on " auto-pay '' and still Nelnet claims I'm " missing payments '', even though Nelnet has NEVER communicated WHY this is happening. 

When I noticed the first missing payment, I paid twice the amount to cover the late fee and next month due. Despite this, it wasn't until today that I was made fully aware not a single payment has posted on my account since XX/XX/XXXX. The only reason why the XX/XX/XXXX payment was processed is because I paid the loan through the StudentAid.gov website. I preferred to continue paying my loans via StudentAid.gov, but StudentAid.gov sent a notice that they are no accepting loan payments through their website.

Regardless, I have zero communication from Nelnet explaining how, when, or WHY my payments are not being acknowledged. I have multiple email screenshots where Nelnet sent a payment confirmation, including a transaction number. 

I have made multiple efforts to contact Nelnet, but my calls go unanswered after waiting on the line for over 2 hours. I filed a complaint with StudentAid.gov, but I was advised to seek payment assistance. I don't need financial assistance. I need my payments to reflect on my account! I fear my credit score will be negatively affected and I fear that I am being forced into forbearance.

Please help! I just want to pay my loans!? PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year> : I had an alert from XXXX XXXX that my XXXX XXXX account is 30 days past due. This is inaccurate information. 15 U.S Code 6802 ( b ) ( c ) states that, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I, the consumer, was never informed by XXXX of my right to exercise my nondisclosure option. These consumer reporting agencies are in violation of the Fair Credit Reporting Act, due to not complying with 15 U.S Code 1681b Permissible purpose of consumer reports : They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of FCRA. Furthermore, I did not give XXXX, Equifax or XXXX authorization to furnish my information and whether it be verbal, non-verbal, written, implied or otherwise it is REVOKED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/24 : I had an alert from XXXX XXXX that my XXXX XXXX account is 30 days past due. This is inaccurate information. 15 U.S Code 6802 ( b ) ( c ) states that, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I, the consumer, was never informed by XXXX of my right to exercise my nondisclosure option. These consumer reporting agencies are in violation of the Fair Credit Reporting Act, due to not complying with 15 U.S Code 1681b Permissible purpose of consumer reports : They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of FCRA. Furthermore, I did not give XXXX, XXXX or Experian authorization to furnish my information and whether it be verbal, non-verbal, written, implied or otherwise it is REVOKED.

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 2024-03-10 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management has a collection on my report that the original creditors seems to be XXXX XXXX XXXX This account I believe was recently deleted from my credit file and may have been sold to Midland credit Management. Anyhow Ive never had a credit card with XXXX XXXX XXXX or midland credit management. For Ive been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief