vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was robbed and XXXX  I have attached a police report and would like the addressee and address to name in a lawsuit with all parties involved. 
Thanks for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I ask that you provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6. ( The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you ) 7. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because neither of us was present ) 8. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA.

Also, you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection or to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 
Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail ONLY I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof. 
You have 15 days from the date of this letter to respond with all items requested and I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek l Monetary compensation damages for the violations you already committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/2023 I informed in writing to WELLS FARGO CARD SERVICES that it is an unauthorized inquiry on my consumer report without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Due to the lack of XXXX Bank of America allowed someone else to receive my prepaid debit card and spend almost {$0.00} they still are yet to give me almost {$10000.00} back and it has been stuck pending with no resolution for over a year. I have called hundreds of times made complaints hundreds of times, I filed hardships and sent all documentation showing that these funds that were sent to another bank account were sent to a bank account that was not me. I sent them all the letters showing from that bank that they released me from all financial liability and I had no connection with these accounts the funds went to. Bank of America has went way over the time allowed to give me an answer and still my claim is stuck in pending

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 2023-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
on XX/XX/2023 someone XXXX {$3400.00} to XXXX ( I dont Know this person ) trough my account, when I realized that someone it was stealing money for my account I went straight to Bank of America in XXXX XXXX , asking the bank of America manager to stop the transaction, but they said i had to call XXXX , I called in front of the Bank of America manager, and they said that they wouldn't promise anything, so the put my bank account under investigation for XXXX week, so I couldn't get money or anything for XXXX weeks, after the XXXX weeks they call me saying that they would give my money back, now I have - {$1500.00} dollars in my account and the bank asking me now to pay the overdraw, I need someone to help me to get my money back. I asked the bank about the documents of the investigation they promised to send to me but they never did it XXXX more thing the email they used to do the trasactions its not mine my email is XXXX, they used XXXX it means the bank has some issues with emails Im begging here for help, the money they stole for my account it was my rent that ti me! 

thank you and I hope I will get money back My name is XXXX XXXX my cellphone is ( 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 monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE RECENTLY OBTAIN A COPY OF MY CREDIT REPORT AND NOTICE THESE FRADULENT ACCOUNT ON MY CREDIT PROFILE. I TRIED CORRECTING THE ISSUE WITH CREDIT AGENCIES AND HAVE BEEN UNSUCCESSFUL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid 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: CT

Complaint narrative:
my husband and I were in XXXX, XXXX and made a purchase at a store called XXXX on XX/XX/2022. We thought the item cost XXXX euros and we were surprised when it was rung up for XXXX euros. We told the older man who was the shopkeeper that we did not want it, but he did not know how to make a return, he claimed he didnt have cash to give us, he called to get help but couldnt get any, and he assured us that if we just called the bank it would be straightened out and that he did not intend to take our money. I called Chase then and there there should be a record of the call and explained the situation and they assured me that I could file a claim once the charge was put through. I DID NOT SIGN THE RECEIPT! 

We came home, disputed the charge and in XXXX we learned that our claim was rejected. The documentation sent by Chase included a receipt from the store with a forged signature.I might add that in the documentation sent to Chase the store claims that I also ordered upwards of XXXX euros of merchandise from them which they are shipping to me. We have never done business with this store before or since and this is a complete fabrication. I reopened the dispute and sent a letter to the bank. 

For six months now, this issue has not been resolved. I have gone to my local branch on two occasions, I have made upwards of XXXX calls, I have escalated this to executive who tells me there is nothing they can do, that Chase is disputing the matter with visa, and I have wasted upwards of 15 hours on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc.
State: TN

Complaint narrative:
I was contacted by XXXX XXXX XXXX, also know as Home advisors to produce leads for me to do solar sells. The day they started sending me leads, realized that they were selling the same leads to multiple people and that was not what I was sold. I called them the next day and requested to cancel their services. The person I spoke to refunded my money and told me that they would cancel my services with them. The following week I noticed that they were sending me leads still, so I contacted them and requested that they stop sending me leads since I had cancelled their services. The person I spoke to stated that their services were not cancelled and that I owed them approximately {$900.00}. I then told them that I had cancelled my services with them and that I am not paying for any leads they sent since I had not used any of their leads. They stated that their system showed that the person that I originally talked to had not cancelled as I requested. They just put my account on hold, which is not what I requested. Now I have received calls from the collection agency named McCarthy, Burgess and XXXX demanding that I pay or they are going to report on my credit report. The original person I spoke to was named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I did not authorize them, and they are causing me a great deal of distress. I urge you to rectify this error 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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Bank and the credit report agencies are INACCURATELY REPORTING the following account : XXXX # XXXX XXXX XXXX XXXX XXXX, OH XXXX, they have not conducted any investigation on this matter and claim it belongs to me without giving any proof of that, because it does not belong to me. I have sent several request to resolve this to the Bank and the credit bureaus but they are still reporting the account as mine and hurting my credit and creating emotional distress because that situation because Negligent actions. I want to see this IMMEDIATELY DELETED FROM MY CREDIT REPORTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Bank and the credit report agencies are INACCURATELY REPORTING the following account : XXXX # XXXX XXXX XXXX XXXX XXXX, OH XXXX, they have not conducted any investigation on this matter and claim it belongs to me without giving any proof of that, because it does not belong to me. I have sent several request to resolve this to the Bank and the credit bureaus but they are still reporting the account as mine and hurting my credit and creating emotional distress because that situation because Negligent actions. I want to see this IMMEDIATELY DELETED FROM MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, with Exeter Finance has violated my rights. 

15 USC 1681 section 602 States I have a right to privacy 15 USC 1681 section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a car loan under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
On XX/XX/XXXX I attempted to fund a CD from my Goldman Sacks ( GS ) savings account. The receiving bank ( XXXX  ) initiated three transfers to the Goldman Sacks account that went through fine, connecting the 2 accounts. When I tried to transfer {$20000.00} from the GS account to the XXXX account I received an email from XXXX that it had gone through, but then another saying the GS had refused the transfer and therefore was now blocked for transfers to XXXX. When I called GS on or about XXXX they told me that I needed to verify the accounts I was transferring into. I spent ~ 1hr on the phone with GS in three way calls to XXXX to verify both of my XXXX accounts, a savings account and the CD I was attempting to fund. On XX/XX/XXXX I initiated another transfer from the GS savings account to the XXXX CD and from the GS savings account to my XXXX savings account. The money was immediately debited from the GS account but never showed up in the XXXX  accounts. When I called XXXX on XX/XX/XXXX they told me that the transfers were being reviewed, with no time frame and no idea of when the transfers would take place. When I told them that I wanted to close the account and transfer all of the funds, they told me that it needed to be approved by someone but would give me no time frame for when it would be done. In the 6 days since the transfer was initiated they never contacted me. I believe they have stolen the interest on {$40000.00} from me and won't let me close the account. I believe this is illegal and should be punished. Please help me. I've spent about 6 hours of my life on the phone with them that I'll never get back. I don't want to have to deal with them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
lvnv was trying to sue me i sent them a response by certified mail. lvnv refused to accept the letters, pictures show letters unclaimed and returned. later the case was dismissed by a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Target/ TD is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Target/ TD, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Target/ TD whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 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. '' Target/ TD never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I hired XXXX XXXX  to assist me with incorrect information showing on my credit report several years back which Portfolio or XXXX was never reporting anything, then all of a sudden they hit my credit report with incorrect information that sunk my credit score for years, Portfolio and XXXX started to report debt and re age old debt as if it just happened and it's over 5 years old. It is costing me jobs and higher insurance due to incorrect information being reported for years. I want all the following accounts removed immediately, they have violated my credit rights for years which is approximately $ XXXX in collection charge offs, on top of original company reporting on my credit so it looks like I owe 2 companies same debt and dates of reporting of last activity and open dates are different with all of the following companies. 
XXXX XXXX  XXXX  XXXX XXXX Portfolio Recovery multiple accounts XXXX multiple accounts

Company response to consumer: Closed with explanation