vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I had XXXX deposited into my account from a dispute I submitted it was deposited into my account on XXXX/XXXXXXXX2021 then it was taken without any kind of notice on XX/XX/2021 which caused my account to spiral out of control. I called immediately and was told I couldn't dispute or appeal that decision from happening and was told by a supervisor she would not escalate this on her own terms not policy of wells fargo I missed timeline to appeal and was lied to on numerous other phone calls from the bank I have multiple other complaints as well in regaurds to this complaint and more as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Harris & Harris, Ldt. 
Has been harassing me and calling multiple times a day, stating that they are trying to collect an alleged debt. 
On Thursday XX/XX/2021, I was contacted by an agent, at first, this agent from Harris and Harris ( which at this time, I was not aware that she was actually from Harris and Harris a third party collection agency ) stated that she was calling from XXXX XXXX, and that she was attempting to collect an alleged debt from me, I proceeded to ask if she could send me this information through mail. The Harris and Harris agent 's tone of voice became combative and obscene. The Harris and Harris agent stated that this had been done ; and that this alleged account was now in collections. I then proceeded and asked for a debt validation letter. At this point is when this agent stated that she was from Harris and Harris, a third party collection agency. This agent stated that Harris and Harris could not provide a debt validation for me that I needed to contact the XXXX hospital, that Harris and Harris did not own this bill. I, knowing this information, asked for this agent from Harris and Harris to cease and desist any and all communication with me. 

VIOLATION A Pursuant to ( 15 USC 1692 ) Harris & Harris has violated my right to privacy, as I never contracted with this company, This company has my private information without my consent, I never granted this company permission to have my private information, and medical records. I never granted permission for this company to contact me. This is an infringement upon my consumer 's right to privacy, 15USC 1692, AND HIPAA violation.

VIOLATION B Furthermore, Harris & Harris violated 15 USC 1692 ( e ) and REGULATION F ( 12 CFR 1006.18 ( b ) ( 4 ) ) using false, misleading, deceptive representation. The Harris and Harris agent stated that she was calling from XXXX XXXX which was not correct or true. Misleading me and confusing me to try to collect information and money to pay an alleged debt. I did not have a clear understanding of who I was speaking to, Harris and Harris was misleading and deceptive. 

VIOLATION C Pursuant to 15 USC 1692 ( d ) ( 5 ) and 12 CFR 1006.14 ( B ) -1, Harris and Harris abused and harassed me in an attempt to collect an alleged debt by repeatedly and continuously calling me.

VIOLATION D Harris and Harris violated 12 CFR 1006.14 ( d ) by using obscene and profane language stating that an alleged account was in collections when I simply asked this agent to send this information through mail. 

VIOLATION E I, the consumer, have the right to request validation of a debt, Pursuant to 15 USC 1692 ( g ), and Regulation F ( 12 CFR 1006.34 ( a ) ( b ) ( c ) ) Harris and Harris is not honoring my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mesa Auto Finance, LLC
State: MI

Complaint narrative:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: TN

Complaint narrative:
I purchased a NETSPEND PREPAID XXXX XXXX XXXX AT XXXX ON XX/XX/2021. I tried to activate the NETSPEND XXXX XXXX XXXX, the NETSPEND XXXX XXXX  XXXX, told me toward my Social Security XXXX, Reference Numbers, and Drivers License, and Proof of Address by sending my Utilities Bills , Electric Bill, and Water. 
I was told to Email all the above information to XXXX. 
This information was sent via email. 
However, once all those documents was sent to NETSPEND Customer Service Documents, the employees of NETSPEND were laughing in the background, stated that they were not scribing my NETSPEND XXXX XXXX XXXX to pay Bills, and that they were going to use my information from the email to create fraudulent bank checking accounts, and apply for Fraudulent Passports, and Purchase Cards, and Houses, and Fraudulent Vehicles, and Vehicle Insurance Fraudulent Accounts. And that all United States of America are ignorant and can not protect their citizens from NETSPEND, which is an XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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:
I have consistently requested for the inquiries on my credit reports to be verified and I have been ignored for over two months. I am unsure what to do now at this point, as I have consistently tried reaching out to these companies as well as the credit bureaus viz snail mail and online disputes several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have consistently requested for the inquiries on my credit reports to be verified and I have been ignored for over two months. I am unsure what to do now at this point, as I have consistently tried reaching out to these companies as well as the credit bureaus viz snail mail and online disputes several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX, booked a flight from XXXX, Fl to XXXX XXXX, Tx using my BofA card ending in XXXX. That transaction was processed without incident and the travel occurred. 

On same day, XXXX, I booked a flight from XXXX XXXX, TX to XXXX, FL using the exact same card ending in XXXX for travel @ XXXX XXXX on XXXX. Now all of the sudden XXXX claims there is a problem with card XXXX  XXXX from BofA verified the transaction was in fact valid and that XXXX was paid in full as to the price of the ticket. 

XXXX is engaging in fraud and a cover for political reasons and at the behest of political allies in XXXX XXXX Texas. This behavior has me stranded at the airport. This was planned as they know that I only had available money in the account to cover the original ticket, so even though the money has been collected which BofA ( XXXX ) verified, XXXX is telling me to purchase another ticket knowing that I do not have the available funds to do so. This is also entrapment with the intent to cause financial injury via XXXX political friends for complaining of government fraud and a cover up :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
I have disputed inquiries from these companies on XXXX, before & after. I have not received any information or wet signature validating my permission to use or run my name but I still have them on my XXXX report. I have gotten no response and do not know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have disputed inquiries from these companies on XXXX, before & after. I have not received any information or wet signature validating my permission to use or run my name but I still have them on my XXXX report. I have gotten no response and do not know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have disputed inquiries from these companies on XXXX, before & after. I have not received any information or wet signature validating my permission to use or run my name but I still have them on my XXXX report. I have gotten no response and do not know what to do at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been disputing inquiries onn my XXXX report specifically since before and after XXXX and have yet to receive reponses. I have not received any verification showing that I authorized for my credit to be pulled or that there is an active account in my name that is mine. There are companies on my inquiries that go under different names but are XXXX company, all reporting as different inquiries. I am unsure what to do at this point, as this is hindering me from reaching my full potential with my business because my personal credit has been difficult to repair due to things like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA approved my refinance loan XX/XX/2021 in my old name even though I had sent them the document which shows my name change, the agent at USAA said they have to redo my loan application XX/XX/2021 and after they did my loan was denied. I have been a loyal customer, I have a good credit score and paid all my bills on time and my loan was denied because of an error on USAA part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been disputing inquiries onn my XXXX report specifically since before and after XXXX and have yet to receive reponses. I have not received any verification showing that I authorized for my credit to be pulled or that there is an active account in my name that is mine. There are companies on my inquiries that go under different names but are one company, all reporting as different inquiries. I am unsure what to do at this point, as this is hindering me from reaching my full potential with my business because my personal credit has been difficult to repair due to things like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
My name is XXXX XXXX my social XXXX a XXXX XXXX  name XXXX XXXX XXXX unlawfully did a credit check on my XXXX credit report and keeps calling me for a very old debt that's over XXXX XXXX XXXX the debt is not mine I have a common name also they keep calling me from private numbers and tool free numbers can you please tell them to stop harassing me for a old debt the stautue of limitations is old and also it doesn't belong to me

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

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 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: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Corporation
State: SC

Complaint narrative:
On XX/XX/2021 Receivables Management Corp., flagged my credit files with inaccurate collection information. 
Receivables Management Corporation, are debt collectors attempting to collect a medical debt on behalf of XXXX XXXX XXXX. I have not received any services from Receivables Management Corporation, I am not a party to their agreement with XXXX XXXX XXXX, I have not agreed to pay/ tender anything to Receivables Management Corporation, I have not provided any releases of my medical information to Receivables Management Corporation, and I have no idea how Receivables Management Corporation received my private medical information. Receivables Management Corporation, have violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. I did not receive any documentation from Receivables Management Corporation to allow them to verify the accuracy of their data before placing their account with the credit bureaus for collection. 
As per the Better Business Bureau : Receivables Management Corporation continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act. 
It was my understanding that the student loan Payments were on pause. I quickly notified Navient when I seen the late payments. 
One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted Navient and they wanted a dispute letter. This is wrong during a national pandemic

Company response to consumer: Closed with explanation