vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
THE COMPANY, PennyMac, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT NOR GAVE ANY CONSENT TO THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT TO BE CREDIT BUREAUS AND THEIR IS ONLY ONE BUREAU AND THAT IS ONLY ONE BUREAU AND THAT IS THE CONSUMER BUREAU PROTECTION. XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY ON ONE BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON JUNE 5TH 1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE DEALING IN GOLD AFFECT THE PUBLIC INTEREST AND ARE THEREFORE SUBJECT TO PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY OR IN AN AMOUNT IN MONEY POLICY, AND. EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) ( e ) THE TERM : INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS OR MOD OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. PennyMac HAS ALSO INCLUDED IT'S SYMBOL WHILE ATTEMPTING TO COLLECT A DEBT WHICH IS A VIOLATION OF 15 U.S. CODE SECTION 1692b ( 5 ). I DID NOT GIVE PRIOR CONSENT TO COMMUNICATE TO ME. THERE WAS NO PRIOR CONSENT FROM A COURT GIVING PERMISSION TO CONTACT ME, THUS THIS COMMUNICATION IS A VIOLATION OF 15 U.S. CODE 1692c ( a ) WITHOUT A COURT ORDER BROUGHT FORTH. PennyMac REPORTED FALSE AND INACCURATE CREDIT INFORMATION VIOLATING 15 U.S. CODE SECTION 1692e ( 8 ). THERE IS NO PRIOR CONTRACT WHICH AUTHORIZES XXXX TO COLLECT A DEBT FROM ME AND THERE IS NO PART OF A CONTRACT THAT EXPRESSLY AUTHORIZED THE COLLECTION OF SUCH AN AMOUNT. THIS IS A VIOLATION OF 15 U.S. CODE SECTION 1692f ( 1 ). I HAVE REQUESTED THIS COMPANY TO PROVIDE DOCUMENTARY EVIDENCE THAT A LAWFUL AND LEGAL VALID CONTRACT EXIST BETWEEN PennyMac AND I, XXXX XXXX XXXX XXXX. PennyMac has also threatened to auction my property and foreclose it. The transaction of a loan from PennyMac into the Consumer 's account of XXXX XXXX XXXX XXXX does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi my name is XXXX XXXX. 
XX/XX/XXXX. I get a message that said my account was being use to purchase at XXXX  So I call Bank of America to notify them about this transaction and they told me they will need the transactions to progress then they will dispute the transactions. On the day XXXX transactions were make, and my balance went to {$430.00}, so I told customers service to cancel all my debit cards and stop the transactions which they didnt do. My wife and I had the debit cards replace because we told them to do it. 
XX/XX/XXXX. Three transactions were authorized and processed. One of {$3200.00}, {$1200.00} and last one of {$3200.00}. 
So I call and they told me that it has to follow the process and now they are disputing the transactions against crypto.com XX/XX/XXXX. I received a letter saying that they contact crypto.com and they said that to purchase with them I need to verify my identity provided a proof of ID. Also That an authorized dis approve transactions. 
So I call the bank again and told them that only my wife and I are authorized to use the account. They told me write a letter saying that it wasnt me the one who approve the transaction and then faxed to they office. They got the information and make a new investigation and the final resolution is that they arent paying me because I had approve transactions and that crypto said they do require a proof of identification to make transactions with them. Till now Im receiving an email from crypto to verify my Identification so I dont understand how I have access to make transactions. I also told them That I had to restore my XXXX because it was hacked. Also restore all my passwords.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
RE : XXXX HAS REMOVED XXXX XXXX BANKRUPTCY # XXXX DUE TO VIOLATIONS OF 15 USC 1681 ( a ) ( 4 ) ,15 USC 1681b. ( a ) ( 2 ), and 15 USC 1681a- ( e ). XXXX CAN NO LONGER VERIFY CXXXX XXXX BANKRUPTCY # XXXX. IT HAS BEEN REMOVED FROM MY XXXX XXXX FILE. 

XXXX has removed Bankruptcy # XXXX. I, XXXX XXXX XXXX ( CONSUMER ) was told by Equifax in response to a dispute of said Bankruptcy that Equifax verified this information using XXXX. XXXX HAS REMOVED BANKRUPTCY # XXXX. 

I, La, XXXX XXXX am the CONSUMER pursuant to 15 USC 1681a. ( c ). 
I Consumer hereby demands Equifax to Cease and Desist the reporting of bankruptcy case # XXXX and to remove it immediately. 
You are violating 15 USC 1681 ( a ) ( 4 ). You have infringed upon a Consumers right to privacy. Remove the negative information from my Consumer Credit File immediately. 
Send me an UPDATED copy of my Consumer Credit File showing the account has been removed. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: RI

Complaint narrative:
Willful neglect and intent to report fraudulent activity and reporting. Car was stolen, contract breached and refusal to return, upon phone call with XXXX to state such, manager XXXX XXXX reported involuntarily while noting in writing and verbal and written verification by other company employees, himself, and by PI, car was voluntarily given, and further refused to return as such reported to MA XXXX, and was mad and knowingly reported false information with intent to harm consumer. Deceptive Practice and Theft has been filed XXXX XXXX, XXXX, XXXX XXXX XXXX. Video, written and verbal documents available. Attempted to recover vehicle with full past due payment per XXXX written email and well within my loan agreement and was told by XXXX XXXX " i am the bank and make my own rules '', and I stated I would report fraud and file further complaint and as a retaliatory and discriminatory action, immediately filed falsely with credit agencies. all is documented by written correspondence, and recorded phone calls. I have video tape of myself and repo company individual whom I spoke with for XXXX mins in front of my home and clearly you can see me hand over my keys. As such XXXX, XXXX and XXXX XXXX XXXX were and are aware of. XXXX XXXX further harassed me and denied return of my vehicle per agreement, and per written documentation by consumer and therefore stole my vehicle and subjected me to further hardships by discriminatory and retaliatory behavior. Further documents available

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Comenity bank dental finance keeps taking credit from me. My account is in good standing it's down to {$1400.00} they took, even more, this time the XXXX time this year. It doesn't matter if I make more payments I will still lose all my available credit & only have {$15.00} from {$200.00} available credit. I am being treated this way because me being a single female. I am being discriminated against. My credit score is getting even lower. They try to get by saying it's the credit bureaus. They don't give the credit they just report what creditors report to them. It's them unfairly taking credit away from me. All my other credit accounts are current also. I don't know why they are treating me this way at this rate I'm never going to get a higher credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX HAS REMOVED XXXX XXXX BANKRUPTCY # XXXX DUE TO VIOLATIONS OF 15 USC 1681 ( a ) ( 4 ) ,15 USC 1681b. ( a ) ( 2 ), and 15 USC 1681a- ( e ). XXXX CAN NO LONGER VERIFY XXXX  XXXX BANKRUPTCY # XXXX. IT HAS BEEN REMOVED FROM MY XXXX CONSUMER FILE. 

This NOTICE is to inform Transunion that XXXX has removed Bankruptcy # XXXX. I, XXXX XXXX XXXX ( CONSUMER ) was told by transunion in response to a dispute of said Bankruptcy that transunion verified this information using XXXX. XXXX HAS REMOVED BANKRUPTCY # XXXX. 

I, XXXX, XXXX XXXX am the CONSUMER pursuant to 15 USC 1681a. ( c ). 
I Consumer hereby demands Transunion to Cease and Desist the reporting of bankruptcy case # XXXX and to remove it immediately. 
You are violating 15 USC 1681 ( a ) ( 4 ). You have infringed upon a Consumers right to privacy. Remove the negative information from my Consumer Credit File immediately.

Send me an UPDATED copy of my Consumer Credit File showing the account has been removed. 

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 2021-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ Data keeps trying to collect a debt that is owed by another person. They know the lease was signed by a family member and not me. They have no contract with me but keep trying to claim I am responsible. They also called a friend and told him I owed the debt and threatened to sue him too if he didnt pay. They also lied to me and said they had my signature but they do not. The lease shows its not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-26 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank/Marathon Visa Account number, XXXX. is a fraudulent account that was opened in XXXX, XXXX by someone using my person information without my authorization or knowledge, This is being reported on my XXXX XXXX XXXX. 
The address that was used to fraudulently Apply for and open this Comenity Bank/Marathon Visa is not my address, nor have I have resided at that address, nor do I know anyone who resides at that address which is located more than XXXX miles away from the address I've resided at for more than 22 years, XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX XXXX I have filed a Police Report, Filed out an " AFFIDAVIT OF IDENTIY THEIF '', provided documentation proving that I've never resided at the address used to apply for and open the fraudulent account, proven that I've lived at the same address more than XXXX miles away in a different city, in a different county, and have no ties to the address that was fraudulently used to apply for an open the Comenity Bank/Marathon Visa . Comenity Bank/Marathon Visa refused to remove the account from XXXX XXXX XXXX claiming that they can verify the phone number, which was already proven to be a fraudulent account by XXXX, and not mine. As well as claiming I made payments on the account, which I didn't I have repeatedly asked for proof of this documentation, yet Comentiy Bank/Marathon Visa refuses to provide any information to me too support their claim that the account belongs to me, which is doesn't. 
Comentiy Bank/Marathon Visa charged off the account in XXXX, then sold it to a third party, XXXX XXXX XXXX XXXX who in turn dismissed the matter agreeing with me that the account was fraudulent. Unlike Comenity Bank I have provided documentation to support my claim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX HAS REMOVED XXXX XXXX BANKRUPTCY # XXXX DUE TO VIOLATIONS OF 15 USC 1681 ( a ) ( 4 ) ,15 USC 1681b. ( a ) ( 2 ), and 15 USC 1681a- ( e ). XXXX CAN NO LONGER VERIFY XXXX XXXX  BANKRUPTCY # XXXX. IT HAS BEEN REMOVED FROM MY XXXX CONSUMER FILE. 

XXXX has removed Bankruptcy # XXXX. I, XXXX XXXX XXXX ( CONSUMER ) was told by Experian in response to a dispute of said Bankruptcy that Experian verified this information using XXXX. XXXX HAS REMOVED BANKRUPTCY # XXXX. 

I, XXXX, XXXX XXXX am the CONSUMER pursuant to 15 USC 1681a. ( c ). 
I Consumer hereby demands Experian to Cease and Desist the reporting of bankruptcy case # 1314789 and to remove it immediately.

You are violating 15 USC 1681 ( a ) ( 4 ). You have infringed upon a Consumers right to privacy. Remove the negative information from my Consumer Credit File immediately.

Send me an UPDATED copy of my Consumer Credit File showing the account has been removed. 

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 2021-12-26 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-26 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
Am rents currently reports on my credit report as eviction. I put my eviction in Bankruptcy in XXXX and it should have been clear when my Bankruptcy XXXX in XXXX. It is still reporting when I apply for a property

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my Private Client Checking account ending in XXXX in or around XX/XX/2020. Unfortunately, the remaining funds in the closed deposit accounts had never been returned after multiple attempts ( including calls and in-branch visits ) for recovery. I am requesting the immediate return of those funds to avoid further action. I am also considering pursuing the interest owed and other fees/compensation should this issue not be resolved timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have removed these inquiries and I am aware that any inquiry is a receipt of a transaction and I never validated any of these transactions. according to 15 usc 1681 ( n ) and 1681 ( o ) they have failed to comply and follow many of the laws put in place. I want {$1000.00} for each inquiry that has been removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have removed these inquiries and I am aware that any inquiry is a receipt of a transaction and I never validated any of these transactions. according to 15 usc 1681 ( n ) and 1681 ( o ) they have failed to comply and follow many of the laws put in place. I want {$1000.00} for each inquiry that has been removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have removed these inquiries and I am aware that any inquiry is a receipt of a transaction and I never validated any of these transactions. according to 15 usc 1681 ( n ) and 1681 ( o ) they have failed to comply and follow many of the laws put in place. I want {$1000.00} for each inquiry that has been removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Securus J Holdings, LLC
State: OR

Complaint narrative:
I don't think that JPay is clearly or correctly identifying the possibility of fees for credit cards. They should offer examples and estimates. Even this as a possibility was something I was ignorant about. I have never transferred cash with my credit card and I am confused why this company is seen as a cash transfer which resulted in being charged an addition {$11.00} on my credit card after paying the {$3.00} charge by JPay on a XXXX gift money transfer of {$49.00} to my friend in XXXX. In total, we paid 31 % in fees for this gift.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
On XX/XX/2019, I notice that on my credit report in all 3 credit bueras appears collection debts I did not recognize.Around same time I start to receive calls from collection agency very random times and day. I contact them for details and they forward me to collection agency which provide me with details about original creditor ( apartment complex ) which I did not recognize. I ask for detail to provide me. It's appear that third party did use some of my information to obtain lease agreement. I did request to remove this collection as its not belong to me. XXXX agency did remove this collection, however XXXX and XXXX did not. I did request from them more information. XXXX send me information IQ Data International provide to them. When I did compare with details I was provided from IQ Data International I notice some number and the names for a fees was different which make me completely doubts about if creditor know what it reports. I forward those 2 different copies to XXXX and XXXX by mail to request remove it from my credit report cuz now I saw it was not only not mine debts but also no consistency in this collection. I did not get any respond on mail from this bureaus, only online they updated that collection been verified. 
On docs I will attached you can see those inconsistencies on that collection. I will also provide you bank statement with my residency at that period time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The Federal Government took away our lawful money ( silver & gold ) in XXXX but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. XXXX XXXX v XXXX XXXX XXXX XXXX XXXX 
That the use of a ( federal reserve ) Note is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX. 
That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Applied for XXXX on XXXX XXXX. Contacted US department of education and have not heard back. Asked for an update or processing and have not heard back.

Company response to consumer: Closed with explanation