vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 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: MA

Complaint narrative:
HI ; SOURCE RECEIVABLES MNGMN /SPRINT ; ( Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2020 I paid an XXXX condo fee for the next 6 months, at the condo office, with a credit card, received my receipt and thought no more about it. About 30 days later, the condo office called me to say my credit card had reversed the charge and I needed to repay it. I contacted my credit card company and they said they did no such thing. The payment was never credited back to my account, and I have all statements from that date forward. I assumed this was a banking error and forwarded several months of my credit card statements to XXXX office so they could see I never rec 'd my money back on my credit card. I finally asked for an official dispute of the charge so Barclays could investigate and they said that since 2 months had already gone by since the transaction, they would not investigate. Then I tried with the bank administering the account for the condo association. They traced my money to XXXX XXXX XXXX but they won't cooperate with either me or the XXXX 's bank ( XXXX XXXX ). I don't understand how my funds could be withdrawn from an account without my permission and sent to a bank I have no connection with. My credit card is XXXX XXXX AAdvantage administered by Barclays Bank. XXXX XXXX is bank for XXXX XXXX and XXXX XXXX bank now has my funds. This has been going on for almost a year. Please HELP.

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 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld System Inc is reporting a debt from XXXX XXXX with a date of first delinquincy of XX/XX/2020. I have not even lived in NY for atleast 6 months prior to that. They are reporting this inaccurately and do not have the actual date of delinquincy. This should be removed from my credit reports since they are unable to provide accurate information regarding the date of first delinquincy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX I closed my Chase Amazon charge because of personal reasons. I requested a letter or email from Chase stating my account was paid in full and I left in good standing. The reason for this is in case one of the credit reporting companies gives me a negative score from closing the account. Also in case Chase sends a report that is incorrect. I asked the Chase rep with whom I immediately explained why i requested such letter. Also that Ive had issues with credit reporting companies before. She told me NO. Before I could ask further she hung up. If a customer leaves a credit card company in good standing why cant the company issue a letter 3 weeks later after the account is proofed out and there is nothing negative at the customer 's request otherwise nothing. A customer should have the right to know what companies write about them and not months later when applying for a loan and something stupid shows up and the person is blind sided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascendium Education Group
State: TN

Complaint narrative:
I XXXX XXXX, the consumer sent an Affidavit of Truth to Ascendium Ed Solutions on XX/XX/2021, to validate an alleged obligation. I have no knowledge of it and never received notice. Ascendium Ed Solutions never acknowledged nor responded to me. I need this removed immediately due to FDCPA and FCRA violations ... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Charge Date : XX/XX/2021 Amounts : {$2500.00} Actions : On XX/XX/2021 I was charged for {$2500.00} again for a purchase that I made on XX/XX/202. This purchase was returned, processed, and refunded by XXXX on XX/XX/XXXX according to XXXX return confirmation and my credit card statement for XX/XX/2021 as attached. I am writing this complaint because 2 weeks after my refund was posted on my credit card statement, I was charged again for the same exact amount of {$250000.00} on XX/XX/2021. I reached out to my credit card bank immediately and submit a dispute. Unfortunately, earlier this week I was told that I am responsible for this 2nd charge by the merchant XXXX and they were unable to help me. I have reached out to XXXX multiple times regarding this 2nd charge for the same exact amount and they have no idea why that happens. 

Below are my attachments for XXXX and XXXX of 2021 respectively credit card statements which are highlighted for the following : 1 ) A purchase of {$2500.00} was made on XX/XX/2021 per XXXX statement 2 ) A refund in the amount of {$2500.00} was posted on XX/XX/XXXX per XXXX Statement 3 ) A second charge for the exact same amount of {$2500.00} was charged and posted on XX/XX/XXXX per XXXX Statement. 
4 ) Email refund confirmation from XXXX on XX/XX/XXXX that {$2500.00} was received, processed, and refunded to consolidate with the XXXX statement.

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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: NC

Complaint narrative:
I tried to contact LEXISNEXIS to get incorrect information listed on my MOTOR VEHICLE RECORD removed and the representative that I got on the phone advised me to contact XXXX XXXX back as they are the ones that submitted the incorrect information to LEXISNEXIS. Here is details : I filed a claim with XXXX XXXX regarding damage to my vehicle. The estimate was for XXXX with a {$500.00} deductible which resulted in XXXX XXXX in the process of issuing to me a payment of {$71.00}. In regards to issues with the bank account they were to send the {$71.00} to I asked of my Claims Advisor over TELEPHONE that the ENTIRE AUTO CLAIM REQUEST be CANCELLED. XXXX XXXX my claims advisor stated that she reversed the direct deposit of {$71.00} and CLOSED CLAIM OUT. Well to my surprise XXXX XXXX has reported the accident to LEXISNEXIS ( which handles MOTOR VEHICLE REPORT DETAILS ) that there is an accident listed under my MOTOR VEHICLE RECORD ( MVR ) OF AN AT FAULT ACCIDENT WITH PROPERTY DAMAGE OF $ XXXX WHICH RESULTED IN MY HAVING XXXX POINTS AGAINST MY DRIVING /INSURANCE RECORD. So when I contacted other vendors for auto insurance the rates was excessive and when I ask why I am told that because of the " XXXX points '' on my MVR listing an AT FAULT ACCIDENT IN THE AMOUNT OF $ XXXX I have contacted XXXX XXXX about this and was advised to call LEXISNEXIS and when I spoke with LEXISNEXIS I was advised that XXXX XXXX is the company that gave that information and I would need to contact them back to get corrected. Well as of XX/XX/2021 that information is still on my MVR report WHICH IS INCORRECT and I can't get XXXX XXXX to remove it. I NEVER RECEIVED A PAYOUT FOR PROPERTY DAMAGE WITH XXXX XXXX FOR CLAIM # XXXX IN ANY AMOUNT. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: NC

Complaint narrative:
I have sent investigation and dispute letters on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I have been recieving phone calls for months, they will call twice in the morning and twice in the evening all week long. This is interrupting my life while on other important call, at work, praying, family time. This is completely disrespectful and against the law. I am exercising my rights as Credit Acceptance Corporation has violated my right under 15 usc 1692c subsection ( 1 ) and ( 3 ) I never gave Credit Acceptance Corporation any prior consent to communicate to me. Credit Acceptance Corporation had also violated 15 usc 1692d subsection ( 1 ) by threat of use of other criminal means to harm property of any person. Subsection ( 2 ) The use of obscene language. Subsection ( 5 ) Causing a telephone to ring. XXXX1 was the last day I notified they to not contact me while on the phone I had to let them know it's a violation under 15 usc 1692c.

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 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I requested to have my checking account closed with Associated Bank, which refuses to close my checking account. I refuse to pay Associated Bank the absorbent {$7.00} fine continually to my account balance each day ; my balance remains negative due to financial hardship and Associated Bank ; unread Discretionary Overdraft Services. I understand I owe an overdraft fee of {$36.00} ; per overdraft or NSF ( unavailable funds ). Whether an overdraft will be paid is discretionary, the bank reserves the right not to bear. I was able to establish this account while in financial hardship in XX/XX/2021. I was not expecting an account I had just opened to be protected by over-draft. To be honest, a bank will typically not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. I made an initial one-time deposit into the account. The obligation I made to Associated Bank ; was to pay off my over-drafted paid items and the two charges of {$36.00} an overdraft fee. The {$7.00} continually being excessed daily onto a balance I agreed to pay. Why keep someone's account open in financial Jeopardy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I ordered a XXXX  XXXX XXXX and accessories in XX/XX/2020 ( 1 1/2 years ago ) - with a 2 week promise to be shipped. I called back every week to get a status update and this was continuously on backorder. In XXXX, I cancelled this order AND the credit card. I agreed to still get the accessories ( a heart rate monitor ). I never received this {$65.00} heart rate monitor. I have filed several disputes with the company stating I did 2 things - 1 ) The credit card was closed with a {$0.00} balance. ( please ask them for the recording of that phone call as the person on the phone confirmed ). and 2 ) the accessories never showed up at my house - so why would I pay for something I never received.

I have a receipt for a heart rate monitor purchased from XXXX XXXX because this item was never received. ( Attached in this complaint below ). 

This company is now submitting late payment notices to credit agencies for credit card charges posting after closing the account with a {$0.00}. ( over a year later ) I have also mailed in an additional hard copy dispute form to XXXX XXXX ( TD XXXX XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
The reason for this letter in dispute of the operating practices, misleading information and fraudulent activity bestowed on me by the Credit Acceptance Corporation. To wit : At or near the beginning of this Pandemic, I contacted this company via telephone, and was informed by a manager, ( named XXXX ) that due to the current crisis they would defer any actions against their clients as it relates to making payments at that time. I was told that " If '' I was able to make even a partial payment to do so. If not they would defer until the crisis was over. 
I contacted them again in XXXX, to make arrangements to bring my account current, because I had been unable to make my payment ( s ) during the Pandemic. At this time they requested that I pay them {$6400.00} on or before XX/XX/2021. ( See Enclosed Agreement Letter ). I was promised by them that if I was able to make this extremely large payment, my account would be brought current and my account would be in very good standing. 

I paid them the entire amount that they requested, by the day they requested. XXXX XX/XX/2021 Bill from company. Cleary states " NO PAST DUE AMOUNT ' After doing so and thinking that I had done everything they requested of me. I was appalled upon review of my credit to find that even though they told me. 1. That they would defer the payments until after the Pandemic. 2. That my account was in good standing. 3. There would be no penalties for not making payments during the crisis. THEY STILL REPORTED MY PAYMENTS 60, 90, 120 DAYS LATE. 
Totally contrary to what they told me or what expected from them. 

In closing I would request that this company do right by their customers. They should not be able to, on one hand state you dont have to make payments and then penalize a customer for doing exactly that. Then finally when they requested over {$6000.00} I paid it to keep myself and my credit in good standing. But this payment did neither. This company and their praticies should be sanctioned in some manner for misleading and subsequently penalizing their customers for doing exactly what they agreed to allow. And they need to correct " All ' misinformation supplied by them to the different credit reporting agencies.. 
Please Advise.. 

Sincerely, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Sent from XXXX Mail on 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 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: AL

Complaint narrative:
on or about XX/XX/2021 i was given an adjustment of about XXXX by a supervisor in ohio ... named XXXX ... he said the adjustment would show in 2 business days ... after 2 days the adjustment, still was not on my account ... i called and another supervisor in arizona told me they would have to verify this by listening to the call.. they listened to the call and verified my balance was XXXX .... the supervisor than told me she refuses to honor this ... .so they think they can go back on there agreement .... even after verification ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Marcus by Goldman Sachs promised that the transfer was sent and deposited when it was not. The funds were sitting in review for an entire unbusy day. I called and they said they forgot to send it and it was sitting in review until someone got to it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
They called and stated someone would need to be home when a package is delivered. Then proceeded to say it was a summons suing me for the collection of an HSBC MasterCard that I have never had and did not open. When I told them this they said it did not matter because I was lying and my wages will be garnished, bank account seized, and a lien filed on my home. The collector also stated that we should not report them to you because you only ever answer 1 %. I asked them to cease all communication and he has continued to call and leave voicemails advising against reporting them because it will make the situation worse for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent investigation and dispute letters on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

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 2021-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Afternoon, I have reached out to XXXX XXXX through certified mail and phone with no resolution. They have placed an account on my credit report without validation. I have requested validation on several attempts and have gotten nothing. Please hep me

Company response to consumer: Closed with explanation