vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of Lancaster County, Inc.
State: PA

Complaint narrative:
Wrote letter on XXXX2017 to Credit Bureau of Lancaster County , Inc that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Credit Bureau of Lancaster County , Inc. to remove incorrect information off my credit report. More importantly, Credit Bureau of Lancaster County , Inc are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Credit Bureau of Lancaster County , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is claiming I owe them over {$1400.00}, problem being I never borrowed money from that establishment ... they are located on an XXXX XXXX, so they are exempt from state law.. I am the victim of identity theft ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca 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 2017-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Requested Credit/Refund : {$270.00} + {$12.00} XXXX Transaction date : XXXX/XXXX/XXXX | Reason : Overcharging/Service Not Received. Dear Sir or Madam : I am appealing a rejected dispute on my checking account. SUNTRUST conclusion is wrong. Within 60 days I disputed the transaction from this Merchant because I paid for the 1st month but did n't continue occupying space the 2nd month as I moved out, yet was billed for the 2nd month anyway. Right after, I contacted the Merchant in good faith but they failed to reverse the charges. Instead, I was told to contact the owner on his personal cell phone number to resolve. Yet he never answered, nor returned my phone calls. Immediately, I sent my dispute to SUNTRUST but it went ignored. I filed a dispute online which disappeared from the Claim Management Center and I provided details with it. I had to then call and have it re-opened or make a new one. I know SUNTRUST received the claim form recently faxed regarding this transaction. From mentioned dispute.. all I got was a letter on XXXX declining it months later because it says that I did n't file on time. SUNTRUST closed my prior disputes without contacting me but I did file on time a long time ago. Besides this, on XXXX I deposited 2 checks from serving Jury Duty but both checks bounced. Thus, I was charged double " returned fee '' of {$12.00} for each deposited check. I didnt realize Court payments for Jury Duty could be rejected. Had I known, I would n't have deposited. The amounts of the check were {$15.00}. and {$30.00}. for which I was billed fees that take most of what I earned from Jury Duty.

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 2017-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX is claiming I owe them over {$1400.00}, problem being I never borrowed money from that establishment ... they are located on an XXXX XXXX, so they are exempt from state law.. I am the victim of identity theft ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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:
I contacted Equifax and XXXX during the week of XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I called in reference to inquries that i had not appointed. I told the represenative that knowing what my current credit status there was no reason for me to be applying for credit. The only reason by law for my credit to be checked is : In response to a court order or federal grand jury subpoena ; To manage the risk of current or potential credit or insurance accounts that were initiated by you ; for employment purposes, with your written permission ; for the purposes of a potential investor assessing the risk of a current obligation ; in connection with your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law ; in connection with a business transaction initiated by you ; in connection with a child support determination, under certain circumstances ; in connection with a credit or insurance transaction not initiated by you, when a firm offer of credit or insurance is extended, and certain other restrictions are met. 

None of these inquiries fall into those categories. I am asking for immediate removal of these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I bought a XXXX plain ticket from XXXX they agreed to give the money back but issued it to a closed account I tried to explain this to BOA multiple times and they never excepted documents or tried to help me at all. I need my money back

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 2017-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NM

Complaint narrative:
About a year ago I received a letter from OneMain Financial that stated they were offering me a loan up to 10,000 if I was approved for credit. I applied about 6 months ago and was denied being told I need a cosigner. I politely asked to be taken off the mailing list after the manager refused to give me a small loan to rebuild credit. About 3 months later I received another letter telling me they were offering me the same loan again. I sent an email that was very direct and demanded to be removed from the mailing list immediately. I was contacted by email and asked for my address. I was then assured that I would not receive any more mail from this company after I provided that information. Today, XXXX/XXXX/17 I received a letter again stating they were offering me a loan up to {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
on XXXX XXXX, 2017 of this year a Massachusetts Judge dismissed a lawsuit that Portfolio Recovery had brought against me and the could not prove that they were the rightful owner of the alleged debt. See Court Case # : XXXX public record on XXXX They have been Reporting to XXXX  credit bureau that the debt is valid and have done harm to my credit report and it has adversely affected my credit score. I need this removed from all credit reports immediately. If this is not swiftly addressed I am filing suit against them for their continued blatant disregard of the law. 

Please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Nelnet changed the monthly repayment amount on the standard repayment schedule for my federal student loans without notifying me of the change. The amount increased from {$330.00} to {$530.00} and first occurred when Nelnet auto-debited my account on XXXX XXXX, XXXX. Aside from the monthly payment reminder that I received via email on XXXX XXXX, I received no other notification that my standard amount had changed. I called on XXXX XXXX asking for clarification and was told that they had sent an email and a letter to me in XXXX. Having experienced other communication issues with Nelnet in the past, I keep organized records of all correspondence I receive from them and have no emails or letters matching what they described. They responded that the letter had been sent and that I must have lost it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX Bank of America illegally charge me {$35.00} fee for Overdraft beside {$35.00} charge on XXXX/XXXX/XXXX which is correct but in total they charge me {$70.00} stay {$35.00}.

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 2017-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
This debt was disputed and found to violate fair credit act and then removed on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, Smith Rouchon and Associates blatantly disregarded the investigation and underhandedly reported the same false information from XXXX/XXXX/XXXX thinking I would not notice. This is unscrupulous, unfounded and has adversely caused suffering and damaged my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: NJ

Complaint narrative:
I filed a dispute with Trans-union pertaining the XXXX XXXX # XXXX account on my credit report I informed them that this reporting on my credit report was against the FRCA laws XXXX Since I was never notified of this debt or intent of it going to collections which dissolved me of the right to dispute the amount being claimed or pay any debt. I attempted to contact XXXX to no avail and the one account I had with them I have no access to online at all and I have not received any communications regarding this alleged debt. So Transunion should remove this since XXXX has zero proof of properly contacting me regarding this collections item. All trans-union did was supposedly verify the account and put on my credit report that I dispute it. Which is unlawful to the laws of debt reporting and collecting, I want this removed off of my credit and I want to be contacted by XXXX pertaining to this debt. And when I tried to go to Trans-Union again to resubmit the dispute it wont allow me to

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I revived a letter from CCI to collect a debt. I do NOT have a contract with this company and I have never heard of them. I have also received phone calls from this company trying to collect a debt that is not mine. This is absurd!! This is not legal. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
I never received a letter from Americollect regarding the debt that they are reporting on my credit report. This debt was removed in 2016 and has been reinserted without me being notified in writing. The debt has never been validated. Americollect does not have a contract nor have they sent me a contract baring my signature binding me to their debt that they are illegally reporting on my credit report! This is a violation of the FCRA. The original creditor is XXXX XXXX XXXX. I have never received a debt validation letter from Americollect. I have not received a signed contract between Americollect and XXXX XXXX XXXX that grants Americollect to collect on this debt. Verification that this debt was sold or assigned to a debt collector. In US law encyclopedia the America jurisprudence 73 an Jur 2d Sections 90-93 it says that one can not subrogate onto a contract that they were not originally on and did not have any interest to protect and claim successor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
This company is reporting twice on my credit report and I do not have a contract with this company. They 2 separate dates listed on my credit report. One is XXXX XXXX and XXXX XXXX. I do not owe this company money as I do not have a contract with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Under the laws of the State of Georgia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.

I am not liable for this vechile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed Chase and XXXX accounts and hard inquiries ( XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XXXX XXXX, my wife and I discovered that our social security numbers were used to submit fraudulent income tax to the IRS. Subsequently, we were notified by the IRS that our social security numbers had been compromised. This ( tax fraud using our social security numbers ) continued for subsequent XXXX & XXXX tax years. 

Hence, we submitted all the required and necessary documents to the three credit bureaus ( ie. XXXX, XXXX, and Experian ) and requested for them to place a security freeze on our credit accounts in XXXX XXXX. XXXX and XXXX immediately complied, however, Experian did not. 

Subsequently, I resubmitted my request along with the necessary documentations two more times in XXXX and XXXX of XXXX. Unfortunately, each time Experian continued to deny my request even though it approved my wife 's security freeze request on the third attempt. Instead, they placed a 7-year fraud alert on my account. 

Experian claimed that they were unable to honor my request for security freeze because I " did not meet ( their ) criteria for a valid identity theft report ''. I am puzzled with their response when my social security number ( ie. tax id number ) was clearly compromised.

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 2017-12-03 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: WA

Complaint narrative:
XXXX XXXX XXXX is reporting to Transunion that I am the authorized user on 2 credit card accounts, erroneously. I have spoken to a bank manager at XXXX and they confirmed the social security number for the correct authorized user is different from mine. I have tried with both TU and XXXX to get them removed to no avail ... ... ...

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 2017-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On Today, I decided to look at my updated credit report and noticed that they were 4 hard inquiries that I never authorized or have knowledge of. I ask that these inquiries be properly investigated and I also want to receive a copy of proof of how these inquiries were verified. I never gave these companies permission to view my credit report. I 'm also aware that according to my FCRA rights, inaccurate information is n't allowed to be on my credit report. I DEMAND that these inquiries are REMOVED immediately. The inquiries are : XXXX- XXXX/XXXX/XXXX XXXX- 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 explanation
Consumer complaint received 2017-12-03 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: DISCOVER BANK
State: TX

Complaint narrative:
I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed XXXX and Discover accounts and hard inquiries ( XXXX/XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03 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: TX

Complaint narrative:
I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed XXXX and XXXX accounts and hard inquiries ( XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.

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