vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2021 a collection account has been wrongfully placed on my credit report. Currently, XXXX XXXX XXXX collection is reporting to my credit report on Experian with a balance of {$2300.00}. XXXX XXXX XXXX is currently violating my rights as a consumer. I was not provided a violation of debt letter. And according to Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ), and 809 ( 15 USC 1692f ), Validation of debts includes ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such. 

I contacted experian and they stated that there was nothing that I could do.

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 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened this account because I received their promotion email claiming that I can get {$500.00} bonus after saving {$15000.00} for 90 days, however, I didn't receive any bonus at all after qualifying their terms and after more than 6 months, and their response is this promotion is not addressed to me. How possible this is not addressed to me, it is my email associated with their bank.

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 2021-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
On XX/XX/21, I received an email from my credit monitoring service. It informed me that my credit score had dropped over XXXX points. I logged on and found that AFNI , Inc. had illegally posted a collection account and the original creditor was XXXX. I have never heard of nor had an account with either of this company. My report shows that it is an open account and was opened on XX/XX/21 with a balance of {$270.00} I have no know knowledge of this company nor this debt. I have never had an account not any dealings with them. By federal law, a debt collector is supposed to make contact with a supposed debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with this account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws but reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. AFNI , Inc. XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Skrill USA, Inc.
State: AZ

Complaint narrative:
I had a account with skrill and they locked me out of my account before I can get my bitcoin info and they have blocked me from calling or messaging them now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: TX

Complaint narrative:
I have sent several letters from XXXX without any resolution. My name appears incorrect after I have sent documentation proving who I am. My credit report shows information from XXXX  XXXX and XXXX that has not been verified to be accurate. My credit report from all three credit bureaus should be wiped clean due to all of the inaccuracies. I have several inquiries that are incorrect as well. 

XXXX Transunion XXXX XXXX have not done there due diligence in protecting my credit report. When I question false documentation they do not rectify their mistakes.

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 2021-12-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent several letters from XXXX without any resolution. My name appears incorrect after I have sent documentation proving who I am. My credit report shows information from XXXX  XXXX and XXXX that has not been verified to be accurate. My credit report from all three credit bureaus should be wiped clean due to all of the inaccuracies. I have several inquiries that are incorrect as well. 

XXXX XXXX XXXX Experian have not done there due diligence in protecting my credit report. When I question false documentation they do not rectify their mistakes.

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 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX fraudulent checks for {$1700.00} were deposited into my account on XX/XX/21 and on XX/XX/21 I called chase and alerted them that the check in my account was scam while it was on hold. A representative told me that everything was fine and that the check had been returned and I was fine. On XX/XX/21 the bank sent me a letter saying that my account would be closed. I called and was told technically Im still liable for the {$3400.00} unless I filed a claim and I needed a police report to file. I filed a police report then called back. I talked to about 5 different representatives and they all sent me to a claims line where the phone would say the wait time is 50 mins and then the phone would hang up. I called on today ( XX/XX/21 ) and once again got hung up on. After speaking to my bank branch manager. She informed me that claims can not be done in the bank and they have to be done over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
( Irregularities in order to Foreclose our Mortgage & Evict- Real Estate used as Colleteral ) On XX/XX/XXXX received " Letter of Default, Notice of Opportunity to Cure Default, And Notice of Intent to Foreclose '' in this Order. We were delinquent XX/XX/XXXX & XX/XX/XXXX payments. On XX/XX/XXXX we received letter from XXXX, XXXX XXXX XXXX, XXXX. attorney XXXX XXXX XXXX " Notice of Acceleration And Notice of Foreclosure Sale '' in this Order. According to Attorney XXXX XXXX Mortgage stated to them they already sent us A " Notice of Default and Right to Cure Default and Intent to accelerate dated XX/XX/XXXX which this statement is Not True to Facts! We have Not once received a " Notice to Accelerate '' from 21st Mortgage Corporation on XX/XX/XXXX nor a Notice in year XXXX or XXXX. On XX/XX/XXXX, 21st Mortgage mailed a " Reinstatement amount due '' for {$4000.00} due by XX/XX/XXXX. If paid AFTER XX/XX/XXXX a {$20.00} late fee would be charged. Also on XX/XX/XXXX i had already sent 21st Mortgage Corporation {$1800.00} which this amount was received and applied to my account. 21st Mortgage deceived us by accepting monies after they had already sent " Notice of Acceleration and Notice of Foreclosure Sale on XX/XX/XXXX. I, XXXX XXXX took the Reinstatement received on or about XX/XX/XXXX as 21st Mortgage giving us opportunity to " Reinstate Mortgage '' which by law must give us the Right to do so lawfully.. Instead 21st Mortgage gave us the date XX/XX/XXXX to pay Reinstatement of Mortgage which we did. At the Same Time 21st Mortgage went forward with " Foreclosing my Mortgage and Sold my property which was used as a lien. 21st purchased my real estate ( XXXX ) themselves to secure remaining balance on loan. This is unfair and business not conducted in " Good Faith ''. Trickery was used to make us think they abandon/cancelled Acceleration of Loan & Foreclosure Sale allowing Reinstatement. XXXX XXXX whom was handling our business records as 21st Mortgage Legal representative intentionally mishandled and deceived us. We had right to Reinstatement paid Reinstatement monies of {$5800.00} to Stop Foreclosure. Now we're fighting " Eviction '' because 21 st Mortgage denied/refused Reinstatement and documents filed contained Irregularities '' to obtain my property. Your assistance requested in this matter. Documents ( evidence ) is in the process of being submitted to back this complaint filed. Thanks XXXX and XXXX XXXX. This ordeal has added more stress on us this far!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. WELLS FARGO is the company that is reporting this to XXXX and XXXX. As well as XXXX XXXX is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and XXXX. As well as XXXX XXXX is also reporting falsely. They removed it on Equifax but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 


However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to Experian and XXXX. As well as XXXX XXXX is also reporting falsely. They removed it on XXXX but they were not able to remove it on EXPERIAN and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 


However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I took this loan out with Regional Acceptance Corporation in XXXX and it was to pay off in XXXX of XXXX. I have requested a few extensions but when I look at my balance I owe more now then when I took the loan out 7 years ago. I purchased the car for {$14000.00} and to date I owe {$16000.00}. I dont understand how this is possible that i have been making payments for 7 years and i still owe this much. The interest rate of 26 % is doubling everything i originally owed.

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 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposit an check from an employer on XX/XX/21 in the amount of {$4300.00}. On XX/XX/21 I received an email from Capital One saying they froze my account and I need to call them to verify transactions. I had spoke to someone earlier that day from customer service to see why a check I did a mobile deposit on was returned. The check was from a company that hired me to do data entry. At the time I deposit the check I didn't know it was an employment scam. The person from Customer Service advised me the bank that issued the check did a stop payment. When I called the Fraud Department to verify transactions later that day they told me it was an employment scam and asked me for all the information I had on the company. I gave them the HR person name and the information I had from the USPS envelope the check was mailed it. I was advised that all my banking accounts would be closed as they would be severing ties with me. I asked why was that the case when this wasn't my fault. I had no way of knowing the company was an employment scam as everything looked legit. I was told they couldn't tell me any more information other than I would get something in the mail and that my account was considered high risk. I have never had any incidents like this in the past with Capital One. My account was never negative. My concern is they advised me I had to stop any incoming deposit. Since I used this account on my taxes my Child Tax Credit payments come in that account. Now I won't get the deposit because my account is over drawn and the IRS said I had to update my account by XX/XX/21. Since I missed that date I can't do anything about it. I also have a savings account with Capital One which I can't access the funds in. Usually if the funds aren't available in your account they will return the transaction. Since they made the {$4300.00} check available they processed my car insurance in the amount of {$240.00}. Then later that day they reversed the check and it made my account negative. Before I had a chance to even deposit any money to rectify the balance they put a hold on my account. I think it's unethical that they can close your account without any reason. Especially when it was something that I had no control over. The bank is suppose to protect their customer from fraudulent activity not write them off when something happens to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian XXXX XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXXXXXX Balance {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX  XXXX Balance {$0.00} Inquiries : XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 2021

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