vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National credit systems inc. Based out of XXXX Ga. Has stated, and put on my credit report that I owe XXXX for breaking a lease at XXXX  XXXX XXXX XXXX XXXX apartments XXXX. The problem with that is ... I never lived there.. My son lived there.. He is a XXXX. I've tried to resolve this with National credit systems on several occasions. They know that they can not produce a contract signed by me with this apartment complex, so they keep dodging and side stepping, in hopes that I will pay them to go away. Here 's the kicker.. They were on my son 's credit report as well.. I don't know how they got my ssn. But they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I followed a link from a XXXX ad for a series of books. The link " Read the Series for Free with your XXXX Unlimited Subscription. I was charged {$23.00} for the series, even though the ad claimed it would be free. I attempted to dispute the charge with Amazon and had no response. I disputed the charge with Chase, the credit card company for Amazon, but they insist the charge is valid. 
This was a fraudulent " bait and switch '' advertisement. I do not want the series, and would never have agreed to pay for it. I want a refund, and Amazon to stop with the bait and switch adverstising. 
Original date of charge XXXX XXXX, XXXX. XXXX # XXXX. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
unlawful credit card claims made by American Express for passing business credit cards ending in XXXX and XXXX. I requested evidence of credit cards being personal credit cards and taken into my name with consumer credit card applications and consumer credit card agreements, non was produced. Instead piles of credit card statements were sent that proved American Express engaged in Unfair Debt Collection practices in violation of the Federal Fair Debt Collection Act and New York State Fair Debt Collection Practices law. The piles of statements show that the credit cards were XXXX XXXX a business credit card for businesses with large cash flow an Simple Business Cash Card issued to XXXX XXXX XXXX XXXX, a C corporation and XXXX XXXX XXXX. 

American Express own credit card statements are proof that the credit cards are business credit cards and not personal credit cards. Additionally a doctored letter with a XXXX date was sent as somehow it is a debt validation letter when debt validation can only be done by actual signed consumer credit card application application and consumer credit card agreement and not a disgraceful doctored letter with a XXXX date about card ending in XXXX referencing credit card agreement when card ending in XXXX was issued in XXXX, four years earlier. 

I have attached these proofs to show American Express unlawful conduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
This is a follow up of closed complaint # XXXX Sunrise Credit Services is in clear violation of the FDCPA Laws. From there previous response to my original complaint, there is a clear admission of guilt. 

The Affidavit of Truth was ignored, so was the Notice of Default and Opportunity to Cure Notice. 

The Law States the Following : An affidavit unrebutted stands as Truth.

Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''

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 2021-05-02 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: OK

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I have already filed a complaint on this and I get the same thing back they say they daily deal for XXXX. But they seem to fail to mention about the XXXX for some individual to state the fact that they sent all these different paper work invaded my privacy. But it doesn't matter it seems. So if I get run over it okay then it's should be fine for me to go to the whole social media and let everyone know what happened who was the ones who got to pull there weight around and from what I know have to worry about from all of this BECAUSE I CONSTANTLY CALLED AND WORKED WITH THEM AND THEY COULDN'T EVEN HELP US BUT THEY TURNED AROUND AND SOLD IT FOR XXXX. I AM WILL LET MY VOICE BE HERD. I AM NOT THE TYPE TO DO SO BUT I AM ADAD WHO NOW HAS A DAUGHTER WHO WANTS TO END HER LIFE GOOD JOB CHASE YOU WOULDNT EVEN TALK WHEN I CALLED YOU AND YOUR LAWYERS GAVE ME A RUN AROUND FOR XXXX DOLLARS. WOULD YOU SEND MONEY TO SOMEONE YOU CANT SEE WITH ALL THE SCAMS YOU ARE A HIPACRIT AND A FAKE. I WILL RETURN THE HELP YOU GAVE ME AND THAT IS A REALLY NICE THING FOR THE FUTURE IN BUSINESS. AND I KNOW IT DOESNT MATTER YOU COULD CARE LESS ABOUT BUT IF YOU GRAB A BULL BUY THE HORNS YOUR GON NA GET THE BULL. SEE YOU ON TV OR IN THE PAPERS. I LOST EVERYTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I did not consent to authorize nor benefit from any of the following inquiries. 1. XXXX - XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3. XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX 6. XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Company has violated HIPPA by sending medical statements that dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since hiring the XXXX  XXXX XXXX to represent me to sue companies like Equifax and the nearly 42 creditors who I have enclosed in this report is sad when Equifax doesnt care to follow the FCRA. I have enclosed a FTC report and local Police Report and I am just ignored by the same company that has distorted and continues to frivolously report a collection account after making multiple disputes and over 42 fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: MO

Complaint narrative:
I began Self in XXXX of 2020 in hopes of getting some extra points on my young credit score. 
My issues with this company began in XXXX of 2020 when I qualified for the Self secured card. 
I had issues receiving the card, and to this day have been sent 3 cards that magically ran into technical difficulties when trying to activate. 
There is no representatives available to speak to and after verifying my d.o.b, I encountered more technical difficulties and was immediately released from the call. 
I have several emails on record of me constantly getting automated messages in response to genuine concerns I have about the legitimacy of this company. 
None of my payments process on time and I keep getting {$15.00} late fees and this is even when I post my payments 4 days ahead of time ... I dont feel so good about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Follow up from the previous two ( 2 ) complaints that were closed, without my issue being addressed correctly. 

case # XXXX and case # XXXX Affidavit of Truth and Notice of Default and Opportunity to Cure has been sent. XX/XX/2021 & XX/XX/2021. 

The Affidavits and Notices have been ignored and/or responded to incorrectly. The responses from your company also clearly show that my rights have me violated under the FDCPA Laws. 

You can not validate a debt. 15 USC 1692g.

You can not state that I owe your company anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone that stole my identity about 6 or 7 years ago just applied 10 times for a credit card. After declining it many times, they ended up accepting and sending them a card, now there are charges that they damaged my credit score. I was trying to refinance, when my consultant found put my credit was terrible because of XXXX XXXX. Apparently they are the worse credit card company to protect the victim and help the thief. 
I reported the issue to them and after a while they decided to mark all of the 10 applications as fraud and in 60 to 90 days they would clean my record. We asked to have a letter sent to us so we could prove what happen and the action they were taking, it could help us with our refinance in the mean time, hey said no problem. When I decide to verify the address where they were going to send the letter, of course it was the XXXX address from the thieves, I asked to sen it to my address and they said they can not do that, they can only send it to the address in XXXX, even though I repeatedly explain that that was the fraudulent address. On the end we were not able to get them to sen us any proof. Now we were transferred to another department to take care of the open card that had the charges, they kept us passing us from one person to another one smarter than the previous, just to let us know after one hour on the phone, that the department that was handling this kind of issues was closed until Monday. So here I am asking myself if I should just go ahead and learn how to become an identity thief, so I have full protection and support from credit card companies like XXXX  XXXX. 

On the other hand I have to also give it to the Credit Bureaus which they are as equally incompetent and after many years fighting, police reports and enough compelling proof, they are still refusing to remove the XXXX fraudulent address that appears my credit report and has continued to do so for the past 7 years.

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 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone that stole my identity about 6 or 7 years ago just applied 10 times for a credit card. After declining it many times, they ended up accepting and sending them a card, now there are charges that they damaged my credit score. I was trying to refinance, when my consultant found put my credit was terrible because of XXXX XXXX. Apparently they are the worse credit card company to protect the victim and help the thief. 
I reported the issue to them and after a while they decided to mark all of the 10 applications as fraud and in 60 to 90 days they would clean my record. We asked to have a letter sent to us so we could prove what happen and the action they were taking, it could help us with our refinance in the mean time, hey said no problem. When I decide to verify the address where they were going to send the letter, of course it was the XXXX address from the thieves, I asked to sen it to my address and they said they can not do that, they can only send it to the address in XXXX, even though I repeatedly explain that that was the fraudulent address. On the end we were not able to get them to sen us any proof. Now we were transferred to another department to take care of the open card that had the charges, they kept us passing us from one person to another one smarter than the previous, just to let us know after one hour on the phone, that the department that was handling this kind of issues was closed until Monday. So here I am asking myself if I should just go ahead and learn how to become an identity thief, so I have full protection and support from credit card companies like XXXX  XXXX. 

On the other hand I have to also give it to the Credit Bureaus which they are as equally incompetent and after many years fighting, police reports and enough compelling proof, they are still refusing to remove the XXXX fraudulent address that appears my credit report and has continued to do so for the past 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$660.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$660.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone that stole my identity about 6 or 7 years ago just applied 10 times for a credit card. After declining it many times, they ended up accepting and sending them a card, now there are charges that they damaged my credit score. I was trying to refinance, when my consultant found put my credit was terrible because of Capital One. Apparently they are the worse credit card company to protect the victim and help the thief. 
I reported the issue to them and after a while they decided to mark all of the 10 applications as fraud and in 60 to 90 days they would clean my record. We asked to have a letter sent to us so we could prove what happen and the action they were taking, it could help us with our refinance in the mean time, hey said no problem. When I decide to verify the address where they were going to send the letter, of course it was the XXXX address from the thieves, I asked to sen it to my address and they said they can not do that, they can only send it to the address in XXXX, even though I repeatedly explain that that was the fraudulent address. On the end we were not able to get them to sen us any proof. Now we were transferred to another department to take care of the open card that had the charges, they kept us passing us from one person to another one smarter than the previous, just to let us know after one hour on the phone, that the department that was handling this kind of issues was closed until Monday. So here I am asking myself if I should just go ahead and learn how to become an identity thief, so I have full protection and support from credit card companies like Capital One. 

On the other hand I have to also give it to the Credit Bureaus which they are as equally incompetent and after many years fighting, police reports and enough compelling proof, they are still refusing to remove the XXXX fraudulent address that appears my credit report and has continued to do so for the past 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I requested to have my 21 federal student loans consolidated into one account. Navient is the new servicer and has not provided a correct accounting of the total amount due. I made a payment to the previous servicer that Navient charged me for as well as another fee that was not explained, I assume it is a processing charge. Finally there is a credit amount that does not equate to anything and has no explanation. I have requested on multiple times and even provided them with the account details provided to me by the previous servicer. However, Navient seems unable to explain these figures to me. How can they be a financial services company and provide no explanation of the financial accounting of their products?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Complainant belongs to a class of persons whom the Fair Housing Act ( the Act ) protects from unlawful discrimination because of race. Complainant sought to obtain information on a USDA loan through Respondent Wells Fargo Bank , National Association ( Respondent WF ), and Respondent XXXX XXXX XXXX XXXX ), Loan Officer, alleging he had been pre-approved through USDA Rural for {$260000.00} with $ O down-payment and wanted information on rates and loan amounts because all his banking accounts were with Respondent WF. The property he was looking at buying was located at XXXX XXXX XXXX, XXXX XXXX XXXX County ), South Carolina, and did not foresee any issues obtaining the loan through Respondents WF and XXXX. Complainant alleges on XX/XX/2021, he was told by Respondent XXXX that he did not qualify for a USDA loan, but did qualify for an FHA loan, with a {$16000.00} down-payment. Complainant alleges he did not understand why he was denied the USDA loan through Respondent WF and XXXX, because he alleged, he met all the requirements, hence the pre-approval. Complainant alleges on XX/XX/2021, he received an official letter of denial fom Respondent WF stating he did not qualify because of information obtained on his crcdit report. Complainant alleges he feels he was treated differently than non-XXXX XXXX applicants, because it was only after he answered the preliminary questions about his race that he received the denial from Respondent XXXX and believes if he were Caucasian that he would have been approved without any issues. XXXX further alleges he contacted Best Life Mortgage and was approved for the USDA loan at {$320000.00}. XXXX feels discrimination occured against him bccausc of his disclosed race in violation of the 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