vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This complaint is not being filed by a 3rd party or a Credit Repair Agency. 

I just reviewed my credit report and there are some Hard Inquiries that I did not recognize or authorize. Please delete these Hard inquiries from my Credit Report. I have already filed an identitytheft report and attached it to this complaint. Here are the hard inquiries 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 non-monetary relief
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Account Resolution Services, LLC received my Cease and Desist communication on XX/XX/2021. They were to stop reporting this invalid debt and never stop reporting the information. Account Resolution Services, LLC never verified the debt nor did they produce an agreement that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Account Resolution Services, LLC investigative process and for them to provide the agreement under penalty of perjury. Account Resolution Services, LLC was supposed honor my cease and desist order for ALL communications, but the company stated that reporting to consumer reporting agencies wasn't considered communication. As a debt collection agency, Account Resolution Services, LLC should be aware that communication is defined in the FDCPA as the conveying of information regarding a debt directly or indirectly to any person through any medium. Isn't Account Resolution Services, LLC conveying information regarding an alleged debt to a person or persons known as a consumer reporting agency through a medium known as my consumer report? This is a violation of the FDCPA under 15 usc 1692c ( c ). Account Resolution Services, LLC also said that another company " referred '' the alleged debt. I challenge Account Resolution Services, LLC to provide proof of this " provider agreement '' under the penalty of perjury. I would like to bring to Account Resolution Services, LLC 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Because of Account Resolution Services, LLC failure to follow my cease and desist order and their multiple acts against the FDCPA, I will be pursuing remedy for all injuries against me pursuant to 15 usc 1692k. I demand deletion of this account and the companies bond information. This is complete FRAUD. I have attached the proof they sent which was nothing but a account number. This debt has been continued to be reported inaccuracies have been ruining my reputation and left me unable to purchase a home or a vehicle. Laws like these were made for consumers not to be took advantage of and if you just look at the proof provided by Account Resolution Services, LLC you will understand that I am probably not the only consumer life they have harmed. Publishing deceptive forms and continue reporting for 11 months almost a year after receiving the cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I pulled a copy of my credit report and notice Portfolio Recovery Associates reporting derogatory information. I wrote asking them to verify and validate the debt and they responded with some paperwork that have me even more lost than before. Portfolio Recovery Associates did not send me what I asked for to properly validate the debt, which is a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I sent a Validation of Debt and C & D letter to chase. 
I have been contacted 3 times which is {$1000.00} fine per contact. I ceased all contact except certified mail involving my dispute. This includes- in person, email, phone, and credit reporting/third parties ON my behalf. They failed to answer me within the time ( 30 days ) that I gave them. I proceeded to then get into contact with the CEO requested the information, have yet to hear anything yet a report of late payment was put on my credit report AFTER opting out of all communication with me or any third party regarding me. Were up to {$5000.00} in fines PURSUANT to the law and TILA. 
According to 15 usc 1650 ( a ) ( 1 ) ( c ) a co signer is not a spouse, so this entire transaction was illegal to start with. I have a team of attorneys, as well as proof of claims, and debt lined up and proof they failed to comply with TILA!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I was robbed of all my possessions and my American Express card is one of the items stolen from me. I filed a police report with XXXX Virginia police department. I have contacted American Express in more then one occasion seeking to have all fraudalent charges removed from my account. I have no access to the account online. To this date the account has not been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
I had a loan with cashnet before and paid it when I tired to reapply it kept saying they are unable to verify who I am therefore each and every time after this my loan is denied. They are using a system they are not telling people that you can fix so when they are denying you you can not fix whatever error they are getting off the report therefore the consumer will always be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: CA

Complaint narrative:
recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalided and questionable items on my report the the agency didnt make sure was 100 % correct. 

in accordance with the FCRA everything has to be 100 % accurate on my report and under the US code 1681e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting accurate information.

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 2022-11-20 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: CA

Complaint narrative:
recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalided and questionable items on my report the the agency didnt make sure was 100 % correct. 

in accordance with the FCRA everything has to be 100 % accurate on my report and under the US code 1681e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
My Public Service Loan Application was transferred to Mohela. Finally after making a complaint my employment was finally verified. Now Mohela can only find 32 payments. I have made payments since XXXX to XXXX  XXXX XXXX. I am in the process of gathering all of my loan payments so far XXXX  XXXX XXXX has provided payments from XXXX. I also made payment by electronic check to XXXX  XXXX XXXX which I requested XX/XX/XXXX. Mohela hasn't even counted the payments from XXXX. I have attached the payments that XXXX  XXXX XXXX has provided so far. I really need help with Mohela. When I first received the letter from Mohela that is attached to this complaint dated XXXX XXXX, XXXX telling me that had not made the required payments, I called Mohela and the customer service representative hung up on me. I called back and was told that Mohela was still in the process of finding payments. Then I got a letter from Mohela telling me to make payments. Mohela is not counting all of the payments that I have made towards my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
My identity was stolen by former friend XXXX XXXX. Turns out she used my personal identifying information to rent an apartment without my knowledge or consent. I have tried to reach her but she wont take my calls or texts. I have also contacted the apartment community, XXXX XXXX XXXX XXXX XXXXXXXX and I have contacted the XXXXXXXX XXXX  XXXX. 

The amount owed is {$2300.00} and is now in collections. I have been able to successfully have the item removed from XXXX but XXXX refuses to remove the collection. 

The collector, ProCollect Inc was rude and not helpful at al. They simply insisted that I pay for this and I absolultey refuse because this debt it not mine.

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 2022-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc
State: TN

Complaint narrative:
I initiated a withdrawal from my Blockfi wallet on XX/XX/11 @ XXXX and XXXX XXXX. On XX/XX/11 @ XXXX XXXX, Blockfi sent me an email saying they were pausing all withdrawals until further notice. It's been over a week and my withdrawals have not been processed, despite being requested before the email notification. I'm very concerned I may not ever get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/2022, I bought a {$100.00} XXXX XXXX XXXX  from a XXXX self-checkout in XXXX, MD. I tried to order something on XXXX, but it said the card details were invalid. I tried many things. I checked to make sure the details were correct and they were. I tried using the name " cardholder, '' along with my own name. So I tried checking the balance in the XXXX website and wasn't able to. It said they were invalid details. I also tried checking the balance on other official sites, such as XXXX  and Vanilla gift cards, but it would not work. I've been scammed out of {$100.00} ( plus taxes ) by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was robbed of all my possessions and I filed a police report with XXXX Virginia police department. My capital one credit card is one of the things stolen from me. I have contacted the company more then once including by mail. This issue has yet to be resolved. I need all fraudalent charges removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX credit card account was transferred from XXXX XXXX XXXX to comenity bank on XXXXXXXX XXXX. I never received notification of this change and never received my credit cards. I found out because my old card was denied. When I called on XXXX I was told I would receive my new cards soon. After calling weekly and only being able to communicate through instant message I finally had enough lies and paid my bill over the phone and canceled the card. A week later I got a bill in the mail. I had to call to make sure I didnt owe anything. This company was the worse I have ever dealt with. I had three people a week apart tell me not to worry my cards were in the mail. I dont know where said cards are. The bill was paid in full and account canceled. I am not assured that I wont get another bill from them but I have kept all electronic communication with them in case I need to see a lawyer. Unethical company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy. 15 USC 1681 section 6 O 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consume credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: CA

Complaint narrative:
Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXX XXXX. I've never applied with XXXXXXXX XXXX. I called XXXXXXXX XXXX XXXXXXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the 3 credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.

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 2022-11-20 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: CA

Complaint narrative:
Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXX XXXX. I've never applied with XXXX XXXX. I called XXXXXXXX XXXX XXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXXXXXX XXXX. I've never applied with XXXXXXXX XXXX  I called XXXXXXXX XXXX XXXXXXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.

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 2022-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: DC

Complaint narrative:
On XX/XX/22, I filled out an application for a consumer credit transaction of {$30000.00}. Discover decided to discriminate against me for exercising my rights in good faith as a consumer by sending me an adverse action letter. Thus denying me credit. Discover received my credit card information and i received no benefit from the transaction. Discover has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I booked with XXXX for a trip on XX/XX/XXXX. The hotel that I booked the travel for was really terrible. Cigarette smoke. Heavy odor of cleaning liquids. I went online and cancelled the trip. XXXX sent an email and said I will be refunded. They then said I should get a refund as long as I cancel before XXXX XXXX  XX/XX/XXXX. I cancelled at XXXX XXXX. Now XXXX will not refund the {$96.00} and ask I call the hotel. The hotel is not refunding either. I filed a dispute for capitalone providing all the evidence that I cancelled on time. Now for the XX/XX/XXXX transaction they said they will reopen and investigate it. In the meantime, they have charged the transaction back to my account and then charged me interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( Debt XXXX XXXX account number XXXX {$1100.00} ) ( XXXX XXXX XXXX account number XXXX {$1600.00} ) ( XXXX XXXX XXXX {$1000.00} ) ( XXXX XXXX XXXX XXXX {$1700.00} ) has violated my consumer rights. 

XXXX. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- 15 U.S.C. 1681 Section 604a Section 2 states that a consumer reporting agency can not furnish an account without my prior consent.

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 2022-11-20 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: IL

Complaint narrative:
I tried to apply for a car they told me i had 20 hard inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Finance ), XXXX  ( Bank ), XXXX XXXX ( Finance ), XXXX XXXX ( Bank ), XXXX XXXX XXXX ( Bank ), XXXX XXXX XXXX XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Retailer ), XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX  ( Finance ), XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX XXXX Auto XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Auto ), XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
On XX/XX/XXXX I pulled a copy of my credit report and notice kia reporting derogatory information. I wrote asking them to verify and validate the debt. Kia have not responded to me at all.

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 2022-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Have not validated debt under the FDCPA, and has violated the FDCPA rules regarding contacting me before validating the debt. Debt validation letters has been sent to furnisher and credit bureaus for debt validation and they have not responded.

Company response to consumer: Closed with explanation