vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Collection Agency - CCS COLLECTIONS Original Creditor Name - XXXX XXXX XXXX ( Auto Insurance ). 
Date - XX/XX/year> Amount - {$170.00}. 

Sub : XXXX CCS collection reporting from my credit reporting. 

XXXX XXXX XXXX  agent offered me auto insurance for {$720.00} for 6 months contract. I signed up for that and paid in full when I bought the insurance. But online was not reflecting the same and the insurance agent assured me that it will be removed and she is working with the technical team. Insurance agent was in contact with me until XXXX month, of 6 months contract, saying that the amount {$170.00} will be removed. If I was told to pay the amount during the first or second month of the contract, I would have paid or would have moved to a different auto insurance. Its because of the XXXX insurance agent I am into all this mess. 

I got into a lot of stress and finally paid the due amount of {$170.00} through collection ( Credit Collection Services ). My credit score was impacted badly. It went from XXXX to XXXX. 

I have maintained good credit for the last 15 years and this is the first and only incident got my score to XXXX. Now because of this incident I couldn't buy a home. No lender is willing to give me a jumbo loan. 

I reached out XXXX and they said they can not remove until it comes from CCS collection.. I reached out CCS collection and they said, they can not remove until it comes from XXXX XXXX.. I got the auto insurance thru XXXX XXXX insurance agent and she was willing to help me and when she reached out to CCS collection, they said they are not corporate and they can not take her words to remove it, but I got the insurance from XXXX I was not able to reach out to XXXX corporate as they direct me to CCS collections. 
I told CCS collections that I would like to dispute this account with XXXX and I would like to hear from XXXX as why they can not remove, as it is because of their insurance agent I am into all this mess.. I have shared all the email conversation I had with insurance agent to CCS collection and they have received that document and they have sent to XXXX XXXX XXXX corporate as well. I didn't get a response from CCS collection as, what XXXX XXXX  responded to them. They just say that they can not go with email conversation as a document to remove the collection from my account. 

Attached email conversation I had with the XXXX XXXX insurance agent. 

Please do the needful.. 

Thanks XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/XXXX, I notice a new line of credit associated with JP Morgan Chase XXXX Chase Sapphire account ) that I did not open. The account appears to have been opened XX/XX/XXXXXXXX XXXX The account billing is to a city I have not lived in since XXXX. Since discovering this account, I have submitted a fraud complaint to JP Morgan Chase regarding this account. They have started their own fraud investigation, and have told me they were submitting to me a fraud letter that should arrive within about a week. I have also submitted a Fraud Alert through XXXX XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
The COLUMBIA DEBT RECOVERY LLC DBA GENESIS is reporting to the 3 consumer agencies false information after I requested documentation for that timeframe providing my wet signature, a lease signed by me and the knowledge that I am the vitamin of identity theft.

Hello COLUMBIA DEBT RECOVERY LLC DBA GENESIS : I have never entered into a contract with your company either physically or verbally and thus you are violating my civil rights in reporting fraudulent information to the consumer agencies. Please provide the original contract that I signed with COLUMBIA DEBT RECOVERY LLC DBA Genesis that provides my wet signature. If this can not be done the following laws and my civil forgets are being violated.

According to : Code 15 US 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted as alleged identity theft, no later than 4 business days after the date of receipt.

Your company has been reporting this fraudulent information for more than 30 days and thus you are in VIOLATION of this law because I am a victim of identity theft. Please note that in the provided ledger I am not named as the occupant. Please provide a lease showing my wet signature and dates that reflect this ledger timeframe. Please delete these items IMMEDIATELY. This account should not be furnished on my consumer report as it is in direct VIOLATION!!!

Code 15 US 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

I NEVER gave any consumer reporting agency nor your company WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the listed account in this email correspondence from all consumer reports IMMEDIATELY! Continued violation of my civil rights shall result in prosecution to the fullest extent of the law. Please provide correspondence that this account has been removed from all consumer reporting agencies files within the 4 business days allotted. 
Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

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 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
The credit card XXXX XXXX XXXX XXXX XXXX XXXX was originally opened in late XXXX with a limit of {$300.00} and charged off to a debt collector in late XXXX in amount of {$290.00}. I have disputed this several times only through XXXX that this account was opened fraudulently and i have no knowledge nor physical card itself. I have contacted original creditor ( XXXX XXXX  ) to request any documents about the card and they can not give me any information since it was sold to a debt collector ( Trident Assest Management ) whom Ive also been in contact with and have no information to provide with me except the XXXX separate amounts and dates that ive stated at the beginning. I would like to continue a dispute against this card as I believe that account was opened fraudulently in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
On XXXX XXXX XXXX I contacted Select Portfolio to inquire as to why I have to pay an additional {$320.00} per month for escrow increase. No response was given. A rep ( XXXX ) stated that this is because I don't have escrow in my account. I asked how is that not possible. She stated that she could not explain the increase and had no knowledge of how to explain. She also stated that " several '' calls came in regarding the extremely high increase and that she was not given a reason to give. She also stated that there has been numerous complaints about Select Portfolio 's practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc.
State: TX

Complaint narrative:
I received a debt collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXXXXXX XXXX file # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX. Referencing my anticipation of a possible tax refund. Conn Appliances may request a 1099C form with the Internal Revenue Services to cancel debt of XXXX XXXX. 
Attorney XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX and Conns XXXX XXXX, placed a lien on my XXXX  and My XXXX XXXX XXXX  checking and Saving and received {$2700.00} from both accounts., I did file a complaint with CFPB XXXX. I received a release from XXXX XXXX and Conns. And today I received a letter from XXXX XXXX demanding an additional amount of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I started an account with MoneyLion ( XXXX ) and was approved for a loan of XXXX. This was approved and paid successfully with the last payment listed for XX/XX/XXXX. This acct was paid satisfactorily, which prompted me to use Money Lion a second time the following year. Starting XX/XX/XXXX I opened another installment loan with MoneyLion for another XXXX  ( XXXX ). This acct was also paid in full and reported to XXXX and XXXX, with the last payment being made and reported on XX/XX/XXXX. Again this was satisfactorily paid all payments were on time and the acct has been in " Paid Staus ''. This concluded my business with Money Lion. I have never reached out for any further Installment loans, yet there is another that was opened fraudulently. Less than 30 days after my last payment and closing of the 2nd acct, there was another opened for XXXX} on XX/XX/XXXX. ( XXXX ) This account is Fraudulent, I did not request this to be opened. I brought this to Money Lion, explaining that I have been a victim of ID Theft, and this acct opening confirmed it. My previous business with Money Lion was all payments made on time, and all accts paid in full. Yet this account has had not one payment made ( not like me ) and has since been a chargeoff and placed in a Derogatory Staus on my credit reports. I explained this to a Supervisor at Money Lion named XXXX XXXX She stated that the debt is currently rising and is now over {$500.00} due. I formally disputed this amount and requested information pertaining to the sign-up that was initiated on XX/XX/XXXX. I requested the Original Service Agreement with proof that I was the one who signed up. I was told that the Escalation Dept would be investigating and will get back to me. They emailed me 2 days later and stated that due to the information they have in their system they are confirming their debt as mine, I have included a copy of the email decline. I feel that Moneylion did not investigate properly or they would see that not only did I only utilize Moneylion twice, but both times MoneyLion was paid in full with no issues at all. The nonpayment attached to the third should have this account associated with fraud, due to no one payment being made. If this was my account it would show payments made. I am consistent in paying back my loans I have already filed a report, the record shows on my account. They responded, however, they just sent the terms and conditions of that loan. How is that verifying anything. This does not prove this account is my responsibility ; furthermore, please remove these charges from all three credit report agencies.

I have provided pdf documents related to this issue in previous reports. Please forward all materials to the company for review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a 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 adverse items of information, other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is the fourth time I've experienced similar deceptive policies. It appears to be a pattern of behave intended to extract additional revenue from customers. 

When attempting to close an account at Bank of America, they will " soft close the account ''. If you ask to have it " hard closed '' they will agree, but will not perform the action. 

Then they will charge fees or refunds to the counts that cause the account to reopen. They will not notice you of this event and then will charge low balance fees on an account which you have closed. 

Attempts to close the account again will often restart the process or require long hold times in order to resolve the issue. It has happened to me multiple times with BofA and appears to be a clear pattern of deceptive behaviour Having experienced this before I specifically outlined my concerns at the time of closing and indicated I would reach out to the CFPB if it happened again. It happened again.

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 2024-02-13 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX 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 explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon review of my most recent credit report I noticed credit inquiries with ( Experian, XXXX & XXXX ) which I DID NOT initiate. These inquiries are the result of fraudulent activities for they were not authorized by me either verbally or in writing. Listed below are inquiries and dates which I would like removed immediately. 
XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX XXXX. 
XXXX XXXX / XXXX XXXX inquiry date XXXX XXXX XXXX in inquiry date XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX  ser inquiry date XXXX XXXX XXXX inquiry date XXXX. 
XXXX XXXX inquiry date XXXX XXXX / XXXX XXXX inquiry date 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 explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022

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 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent the bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the bureaus responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : 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 explanation
Consumer complaint received 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 adverse 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 ( A ) ( 1 ) 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.

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