vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a dispute letter. that contained inaccurate things on my credit report. It has been 60 days or more I've received a response but its not the one I would like to hear. I feel like the Junk Collection agency just ignores my reasons for them to close my account. They can't provide me with any documents proving or staiting the I authorized that account. I asked them to send a copy of my id along with signed documents and my social. They couldn't provide this info for me. 15 U.S. Code 1681- Congressional findings and statement of purpose states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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. I demand these accounts be deleted immediately or I will file for litigation due to all the stress all of this has caused. My Info was also affected by the Equifax data breach and more than likely got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: KS

Complaint narrative:
I recently received a voicemail from a debt collector, and then the next day I received and e-mail from the same debt collector for the same debt. 

Now it is my understanding that they are allowed to try to communicate in these manners to collect a debt. That's all fine and dandy, however the e-mail failed to provide a link to opt out of receiving e-mail notification. The link they provided was written up as below : Update your communication preferences by visiting http : //www.reliantcapitalsolutions.com/consent/ Upon Visiting the link provided I noticed wording that almost seems to appear, that by filling out certain information on that page you are " CONSENTING '' to them contacting you by those means, rather than opting out of the methods of contact. This said, those items are also required fields. Example is the wording for e-mail : " By providing your email address you consent to Reliant Capital Solutions , LLC contacting you at that address regarding any accounts for you placed with Reliant for collection. You understand and agree the email communications will contain account specific information. You have the ability to withdraw consent or opt-out of those emails at any time. '' There is no clear way in the e-mail I received to opt out of e-mail notifications. 

Secondly, I would assume that even with these new rules that allow them to contact you by other means, that certain privacy rules that have existed for the past 40+ years would still apply. No attempt was made by them to verify whether or not I am the sole user of this e-mail account before attempting to contact me of this debt. I have a XXXX XXXX XXXX mother, that I often allow to use my e-mail address because it is easier for me to help weed out some of the potential scams out there that prey on the elderly 's lack of knowledge for technology. While she does have her own account, it is only given out for select business purposes such as job searching, banking, etc. These rules that have recently changed, obviously did not give foresight to the fact that many consumers my age may share an e-mail account with an elderly parent or a child.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citigroup makes it easy to open an account online but does not allow closing in the same fashion. Instead I waited several minutes on hold to be told that I needed to call back 3 days after the last transaction occurred. 

Why do I have to wait to call back when their system should be able to handle the deferred close if that is what is needed. Moreover, why can I not close an account online when I am able to open one?

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 2021-09-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
According to 15 USC 1602, 15 USC 1635, 15 USC 1692, 12 USC 1431, 42 USC 408, I am the rightful owner of 2-Family Property. I acquired the property by deed. On XX/XX/2014, JPMORGAN CHASE BANK NATIONAL ASSOCIATION and XXXX XXXX XXXX  XXXX used my credit to establish an unlawful debt. And since then, has listed the property as a 1-Family, acquired my credit profile and furnished my credit information to several banks and servicing companies without my authorization or written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am being harassed by a 3rd party who bought a debt from XXXX XXXX the company whos harassing me is mcm midland credit management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
{$4800.00} was supposed to be deposited into my account with chase bank on XX/XX/2021. After verifying with the customer service with representative ID of XXXX, they assured me that the amount will be deposited, however, the deposit was rejected by the bank and IRS issued me a paper check. Currently, they do not process my check and they refuse to open an account for me after closing my previous account due to overdraft charges so I can not deposit the check from IRS. 
I have spoken to two other supervisors with Chase bank : XXXX and XXXX. They both refused to tell me why the deposit was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: NC

Complaint narrative:
Upon a review of my credit reports with TransUnion, XXXX, and XXXX, I noticed a derogatory tradeline that I did not recognize from XXXX XXXX XXXX. I sent a request to investigate to XXXX on XXXX containing the FTC Identity Theft report and CMPD Incident report pertaining to this account, as I believed that I was a victim of identity theft. I received TWO letters from XXXX postmarked XX/XX/21 stating that their investigation for unauthorized activity on a XXXX XXXX account in your name showed that we identified payments made on the account and we were unable to find evidence of unauthorized activity. I sent another letter requesting all documents related to this account ( original application with my signature, proof of deliver of any items ordered, and proof that payments were made on the account ) on XX/XX/21. This letter was delivered on XX/XX/21. I have yet to hear from XXXX concerning the account, and a dispute filed with TransUnion on XX/XX/21, completed on XX/XX/21 came back as " verified as accurate ''.

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 2021-09-28 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: MD

Complaint narrative:
This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under XXXX XXXX TransUnion, but reappeared and is reporting negative again. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. Furthermore, I spoke with their employees who were introduced to be someone other than a sales person & also claimed not to work on commission. Unfortunately I can't remember the names of the people I spoke with. I was told that I'm actually making a good financial investment, especially because it have some tax benefits similar to owning a 2nd home. Plus, resale value would go up. They said I can also earn money from it, getting rental income. I was lured when they also promised that I'll never have to pay maintenance fees again. They made me believe I was being given the privelege of getting this special offer because they needed to get " corporate approval '' to give me the price being offered. I felt pressured and rush when they told me it's my last chance to upgrade at the lowest price. They had me open a credit card for this. They promised free vacations bonus, which I never received at all. They didn't even discussed how to cancel, or made me aware as to how many days I have in order to cancel. I've sent request to cancel but they never cancelled it. I already have medical conditions such as XXXX and XXXX, & it simply doesn't help when I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down because of this as well. It's very stressful having this timeshare, they've put me to collections, I can't even get a loan because of this. I am a victim of the XXXX timeshare scam. They told me that timeshares are fantastic investment, which is untrue. There was a high-pressure time shaper presentation that lured me in with the promise of a cheap vacation. I was told by the salesman how the program is good & the points. The sales person told us XXXX XXXX XXXX XXXX XXXX, which paid for {$18000.00} could get us 20 nights at all kinds of beautiful resorts every year throughout our lifetime, at any time, which was untrue as we were not able to find any availability when we try to book. We were defrauded & lied to. This is the biggest scam I encountered.

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 2021-09-28 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: MD

Complaint narrative:
This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under Equifax & XXXX, but reappeared and is reporting negative again. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. Furthermore, I spoke with their employees who were introduced to be someone other than a sales person & also claimed not to work on commission. Unfortunately I can't remember the names of the people I spoke with. I was told that I'm actually making a good financial investment, especially because it have some tax benefits similar to owning a 2nd home. Plus, resale value would go up. They said I can also earn money from it, getting rental income. I was lured when they also promised that I'll never have to pay maintenance fees again. They made me believe I was being given the privelege of getting this special offer because they needed to get " corporate approval '' to give me the price being offered. I felt pressured and rush when they told me it's my last chance to upgrade at the lowest price. They had me open a credit card for this. They promised free vacations bonus, which I never received at all. They didn't even discussed how to cancel, or made me aware as to how many days I have in order to cancel. I've sent request to cancel but they never cancelled it. I already have medical conditions such as XXXX and XXXX, & it simply doesn't help when I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down because of this as well. It's very stressful having this timeshare, they've put me to collections, I can't even get a loan because of this. I am a victim of the XXXX timeshare scam. They told me that timeshares are fantastic investment, which is untrue. There was a high-pressure time shaper presentation that lured me in with the promise of a cheap vacation. I was told by the salesman how the program is good & the points. The sales person told us XXXX XXXX XXXX XXXX XXXX, which paid for {$18000.00} could get us 20 nights at all kinds of beautiful resorts every year throughout our lifetime, at any time, which was untrue as we were not able to find any availability when we try to book. We were defrauded & lied to. This is the biggest scam I encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a checking account with Chase bank in the XXXX branch. I had recently filed a fraud claim for {$730.00} and was surprised to find that the bank had rejected my claim. On XX/XX/XXXX, while I was on vacation with my family, the money had been transferred to a XXXX  XXXX bank account, a company that neither me nor anyone close to me banks with. While on vacation, I had to spend a day closing my old account and opening a new one, as well as taking steps to ensure my account was more secure from outside interference. I was really shocked when the bank rejected my claim, because there was absolutely no way for that transaction to take place. The banker that we talked to while on vacation assured me that there was almost no scenario in which I didnt get my money back, so imagine my surprise when, about two weeks after the original incident, I saw that the funds that had been added to my account had been removed once again. That was money that I had planned on using for XXXX XXXX and I would really appreciate some help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am currently in the process of paying my debt in order to fix my credit to purchase a new home and start a business. I applied to get a personal loan to clear the debt and in the process, I was a victim of theft. I was applying with different creditors and wasn't sure which one had access to my banking information and withdrew {$880000.00} from my bank account on XX/XX/2021. My bank is XXXX XXXX  XXXX and contacted them right away about the issue and they were able to help me open a new Checking and Savings account but haven't closed out the account with the fraudulent charges. I also contacted Experian to put a security freeze on my social to avoid more identity theft. 

I was also having issues with my credit report that has been affecting my approval for loan options to clear my debt. I am currently unemployed and was looking for a loan company that can help me in this situation but was denied funding. I have contacted the creditors and they were not able to help me. I currently have 7 accounts that show delinquent or past due. There are 4 accounts from XXXX XXXX with the charges of {$390.00} and ( 4 ) {$450.00} which we made the agreement of settling the accounts into one for the total of {$1200.00}. I have an account with XXXX XXXX XXXX XXXX for the amount of {$8300.00} and have a written agreement where I would need to pay {$2500.00}. The other accounts that are affecting my credit are from XXXX XXXX. The first account is to collect a debt from a XXXX XXXX credit card that was closed 3 years ago and recently opened when I called for a settlement. The balance on that account is for the amount of {$2900.00}. The other account from XXXX XXXX is to collect a debt from XXXX XXXX for the amount of {$280.00} and made a payment arrangement to pay off the balance.

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 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I purchased a XXXX XXXX from XXXX on XX/XX/2021 at XXXX XXXX  PDT They sent out a shipment ( tracking number : XXXX ) to the city that I live in but I never received the package. 
I filed a case with USPS ( case number : XXXX ) on XX/XX/2021 and learned that the package was sent to a different address. They said this is a common tactic of a scam where the seller sent an empty box to a ghost address just to justify that the package was delivered so Paypal would stand on their side and the victim can not file a claim to get money back. 
I sent out an email to the seller ( XXXX ) and never got a response. 
I filed a case with Paypal ( Case ID : XXXX ) however since the tracking number shows the package is delivered. Paypal denied the claim twice

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-28 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: LA

Complaint narrative:
Receivable recovery XX/XX/2021 VIOLATION of 15 U.S. Code 1692c ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

VIOLATION of Code 1692g VIOLATION of 15 U.S. Code 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: NY

Complaint narrative:
I NEED HELP TO RESOLVE THIS PROBLEM I HAVE FRAUD PROBLEMS WITH MY DOCUMENTS AND I DON'T KNOW WHO DID THIS I NEED FOR THAT COMPANY TO DELETE THAT FROM MY CREDIT REPORT. 

ONE COLLECTION, AND TWO ACCOUNTS MADE VIA FRAUD. 

EXPERIAN : 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 non-monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA
State: MD

Complaint narrative:
MOHELA is a third party debt collector who has been reporting false information to consumer credit reporting without my consent. 
I have tried to resolve this issue for a long time. They have disregarded ALL laws.

Per 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights and the alleged debt was paid in full with my Master Promissory Note. My promissory note is a negotiable instrument. Please see attached a copy of my promissory note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation