vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I am writing to address a concerning matter involving Charter Communications ( XXXX ) that has resulted in my unjust placement into collections for an alleged amount of {$340.00}. I am providing you with a detailed account of the situation, including relevant dates, amounts, and actions taken : Date of Equipment Return : XX/XX/2022 Description of Incident : On the specified date, I returned the equipment to Charter Communications, as evidenced by the attached receipt. Despite this, I have been erroneously charged {$340.00}, with the claim that the equipment was not returned. 

Action Taken by Charter Communications : Despite providing evidence of the equipment return, Charter Communications has still placed me into collections for the alleged amount. This has adversely impacted my credit report.

Resolution Requested : I request that the collections account related to this incident be promptly removed from all credit bureaus. The attached receipt serves as irrefutable evidence of the timely return of the equipment. I believe it is imperative to rectify this situation promptly to restore the integrity of my credit report.

I appreciate your immediate attention to this matter and trust that it can be resolved promptly.

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Robinhood sold all my account stocks. Closed my account, transferred the amount of cash I funded the account. But didnt transfer the profit my account made. I can not withdraw {$320.00} of profit from my account as Robinhood closed my account and disable withdrawal. Ive been waiting for over 15 days for all of the money to be transferred to my checking account. But to no avail, the profit has not been moved in the 15+ days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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. I told the XXXX, Transunion, investigate these accounts : XXXX XXXX XXXX Account Number:XXXX, has never been provided to me and, XXXX XXXX XXXX  Account number : XXXX, full account number has never been provided me despite written request for both. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 an 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.

I Certified Mailed a request for VALIDATION to both creditors, which they completely ignored. I submitted a dispute with XXXX and TransUnion. No Validation has been provided to me.

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 2024-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
On XX/XX/2023 I consolidated my loans per Federal Student Aid and Mohelas advice. I was advised to consolidate because per the PSLF program I am currently in I had 118 out of 120 payments needed for forgivenness per the program. Mohela recommended I consolidate in which case I would have one loan and get my 118 qualiying payments back in addition to being put on an IDR plan for my last two payments. I took these actions and since then not only will Mohela not give me my 118 PSLF qualifying payments back, but they will not allow me to go on an IDR plan for the last two payments, instead they are charging me over {$1100.00} for a monthly payment when I payment should only be {$130.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 USC 1682.

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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recently transferred my business account to a Delta American Express card. However, I have encountered XXXX significant issues that I would like to address : XXXX. Misleading Reward Points : During the application process, the AMEX website advertised a generous offer of XXXX reward points. However, after my application was approved on the same day, I was informed that I would only receive XXXX points. This discrepancy is concerning as it influenced my decision to choose this card. 

XXXX. Account Freeze and Documentation Request : After my approval and the successful migration of my business activities to the AMEX card, I suddenly lost access to my cards. AMEX refused to accept payments to my account from my linked account and requested additional documentation. While I promptly provided the required documentation, my accounts remained frozen for an extended period of XXXX days, causing significant disruption to my business operations. 

I understand the need for account reviews and document verification, but I believe these processes should have occurred before approval, especially since I had already linked and connected all my business activities to this card. The situation has resulted in considerable inconvenience and business disruption.

I would appreciate a prompt resolution to these issues, including the fulfillment of the originally advertised reward points and a review of your account approval process to prevent similar disruptions for future customers. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BANCFIRST CORPORATION
State: OK

Complaint narrative:
In XX/XX/XXXX I applied for a loan with BancFirst at the recommendation of a local Realtor. The money was to be used for business expenses. Two weeks into the loan process, the referring realtor contacted me and asked me to instead loan her and her son the money. She said that she would co-sign on the BancFirst loan/mortgage and put her own home up as collateral, as I was being required to do by BancFirst. I had almost no contact at all with the BancFirst lender. The Realtor and XXXX XXXX shared over 60 text messages and communicated by email over the BancFirst server, making decisions on the loan. The loan paperwork that was filed, was not what I was led to believe that I was signing. There was no co-signer and no additional collateral. I have contacted BancFirst and they have stated that their loan officer and the realtor had no contact whatsoever, which is a complete and total lie. I have a stack of text messages and emails to prove it. I have been left with an additional mortgage. The bank is violating my rights. This has been going on for almost XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against XXXX XXXX XXXX for a range of violations, including but not limited to deprivation of rights under the color of law and engaging in unfair and deceptive trade practices. 

XXXX XXXX XXXX and CAPITAL ONE BANK ( USA ) , NATIONAL ASSOCIATION, has violated my unalienable rights of XXXX religion and faith, falsely accusing me of owing an alleged debt which I adamantly refuse to pay. This company has demonstrated unfair and deceptive trade practices, as well as unfair debt collection practices. 

My religious beliefs, as stated in XXXX XXXX of the XXXX XXXX emphasize " Owe no man anything, but to love one another, for he that loveth another hath fulfilled the law. 

XXXX XXXX XXXX, however, has disregarded my religious convictions and persistently harassed me, making false statements about my concerns. 

In response to CFPB ID XXXX submitted on XX/XX/2023, XXXX XXXX XXXX stated that my concerns were already addressed in their previous response dated XX/XX/2023 which is false and misleading. 

Despite my explicit statement that I do not give lawful consent to transfer my personal identification information, the company continues to cause intentional infliction of emotional distress, XXXX, and harm to my family, willfully depriving us of our rights and XXXX faith. 

I reserve the rights to sue XXXX XXXX XXXX, its agents, employees, counsels, attorneys, etc., and demand compensation for the damages inflicted upon me and my family.

Thank you for your prompt attention to this matter.

Sincerely, XXXX, XXXX All Rights Reserved UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number attached in document.

Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

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 2024-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
Theres bankruptcy showing on my mortgage credit report, i never filed bankruptcy on my mortgage and i asked them to remove but they told me they cant because of Fair credit act! 
My current mortgage is Freedom Mortgage

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of trafficking and I submitted a self declaration which was notarized back in XXXX then I was told that was sufficient enough and last week my case worker supervisor gave her the letter to use and once again I am being told thats not sufficient enough my case worker signed it what more do you need. I want this documented because I want my daughter to be able to sue XXXX my address is on the internet so I need to move asap and I cant do that because they keep rejecting my documents

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of trafficking and I submitted a self declaration which was notarized back in XXXX then I was told that was sufficient enough and last week my case worker supervisor gave her the letter to use and once again I am being told thats not sufficient enough my case worker signed it what more do you need. I want this documented because I want my daughter to be able to sue XXXX my address is on the internet so I need to move asap and I cant do that because they keep rejecting my documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Viva Finance Inc.
State: FL

Complaint narrative:
Viva Finance INC . According to my credit report, Viva Finance INC has filed a charge-off in the amount of {$5200.00}. In light of this, I am writing to express my concern about the lack of proper documentation associated with this charge-off and to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ).

As per my understanding of IRS regulations, when a creditor charges off an amount owed by a customer, it is required to issue a Form 1099-C to the debtor. This form is crucial for accurate reporting of income and compliance with tax regulations. To date, I have not received any such form from Viva Finance INC, and I am concerned about the potential repercussions of not having the necessary documentation for tax purposes.

Moreover, I believe that the lack of documentation from Viva Finance INC may constitute a violation of the Fair Credit Reporting Act. The FCRA mandates that accurate and complete information be reported by creditors, and failure to provide essential documentation may result in inaccurate reporting on my credit file.

In light of the above, I kindly request that you investigate the matter and ensure that Viva Finance INC provides the necessary documentation, including a Form 1099-C, related to the charge-off on my credit report. I am seeking clarity on the validity of this charge-off and require the proper documentation to fulfill my tax obligations.

Please provide me with updates on the status of your investigation and any steps taken to rectify this matter. Your prompt attention to this request is greatly appreciated, and I trust that you will take the necessary measures to ensure compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
XXXX XXXX XXXX from late XX/XX/XXXX had to be paid. 
I never got the bill as it was from XXXX XXXX and I left the country less than XXXX weeks later. 
I didn't find it in my mail until this month and I paid it - {$23.00}. 
I got a letter from Linebarger Goggla Blair and Sampson LLP stating that I had to pay on XXXX XX/XX/XXXX to the tune of {$110.00}, which is more than XXXX the amount of the actual cost of the toll. 
This is not the first time this firm has sent me a letter stating that I needed to pay for a late toll bill. But every time, they are trying to get more money out of me than the toll actually is.

Since this is a violation of the Fair Debt Collection Practices Act, I think am I am entitled for them to pay me up to {$1000.00} or more for trying to collect fees over and above what I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/year> purchased a gold bracelet from The XXXX XXXX in XXXX XXXX with my American Express XXXX card. The bracelet broke apart and was damaged beyond repair after wearing it XXXX times between XX/XX/XXXX and XXXX. It was purchased for {$900.00}. On XXXX, XXXX  I wrote via email to XXXX XXXX  XXXX, XXXX  of Sales and marketing to request a complete refund. I provided several pictures and described the damage in detail. The quality of the bracelet was very poor and it was not " free from material defects '' but rather was of inferior quality. 
I got no response from the merchant. 
On XX/XX/year> I opened a dispute with American Express to dispute the {$900.00} charge. The charge was suspended and I was told the vendor had 90 days to respond. 
The merchant responded to AmEX noting the invoice stated " all sales are final ''. I then reopened the dispute on XX/XX/year>. At that time I sent a detailed email stating my complaint and my understanding of XXXX and Italian law ( " Warranty Law in Supply Contracts in XXXX '' and XXXX ( XXXX Consumer XXXX XXXX XXXX XXXX which specify that all products sold in the XXXX have XXXX implicit XXXX year warranty. I also sent XXXX pictures of the product damage. 

Once again, the merchant responded the same about the " final sale '' on the invoice. I immediately reopened the dispute because I think the merchants claim violates both Italian and XXXX XXXX and I feel that AmEx has a responsibility to back my dispute. Am Ex is currently waiting for further documentation from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
In a period between XX/XX/XXXX and XX/XX/XXXX, Truist bank charged me more than {$540.00} in overdraft and returned item fees that need to be returned to me. 
On XX/XX/XXXX, a company incorrectly initatied a ach debit out of my Business checking account ending in XXXX of {$2000.00}. I did not authorize this debit and since I did not even have that amount in my Truist account, Truist should have not paid the charge and declined it. I have never authorized Truist to make my account go into the negative. I was charged a {$36.00} overdraft fee for this. 
The real problem began on XXXX, when I made other purchases with my Truist debit card. Truist did not notify me that my account was overdrawn and approved all of these charges when I made them. They then proceeded to return all the charges and charged me XXXX returned item fees of {$36.00} each. I was only notified of the issue AFTER all these charges were initally approved by Truist and then returned. None of these transactions would have put my account overdrawn if Truist had not approved the first {$2000.00} transaction that made my account go negative. 
WHY would Truist continue to approve charges only to turn around and return them and charge me {$36.00} for each returned transaction?? This is absolute robbery!

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