vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2021-12-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My husband and I opened an account with Chase early 2015. We were told that there would be no service charge and up until this year they honored that agreement. The reason they began to charge my checking account was because we had a brokerage account opened with them but it was many months later so this checking account had nothing to do with the brokerage account. After I moved our brokerage account to a different broker is when they started to charge me. I contacted Chase today and spoke to someone named XXXX with Chase PremiXXXX Banking and she told me that this in fact was the reason and I explained to her that we had already an established savings and checking many months before the brokerage account so it was not fair to now tell me this after the fact. They have been charging us {$35.00} per month monthly service charge even though I have never maintained less than {$10000.00} on savings/checking. I believe this is unfair and they are gouging their customers. I would like those charges removed and be credited back to my account which I believe is XXXX months worth. By the way, the Chase we opened our accounts in was XXXX XXXX California.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
THE COMPANY TRANSWORLD SYSTEMS INCXXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( XXXX ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: FL

Complaint narrative:
There are several inquiries on my Equifax credit report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
THE COMPANY ARS ACCOUNT RESOLUTIONS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 169XXXX ( A ) ( XXXX ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of 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 explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Best Buy credit card, was XXXX when opened, now Citi bank. 

I just found out that I have been charged a " debt protection '' or " credit life insurance '' fee on my Best Buy credit card every month since I have had the card. I was told that I opted for this " service '' when I opened the account in XXXX, XXXX. I disagree as I would not willingly pay a fee for credit life insurance. My wife and I have enough savings to pay for something like this and we both also have life insurance policies. 

I have attached my statement from XXXX XXXX because that's as far back as I can access through my account. Also attached is the most recent statement form XXXX XXXX. The fee was charged every month since the account has been open.

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 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have attempted to dispute this charged off account with this creditor Synchrony Bank/Care Credit for several months. Which is my rights under the Fair Credit Report Act. I have submitted several dispute letters and this creditor has not responded to neither. I received a payment deferrment accomodation under the C.A.R.E.S. Act in XX/XX/2020. However, this information is not reflected on my credit report. Nor have they informed the credit bureaus I am disputing so the account can be marked as disputed by consumer. I have disputed the inaccuracy of information on my credit report and validation of the debt to no avail. Several months ago this account was assigned to a collection law firm XXXX XXXX. However, the collections law firm agreed to return this collection account back to Synchrony Bank. 

I have attempted on several occasions to discuss this account directly with Synchrony/Care Credit. However, Sychrony refuses to speak with me about the status of my disputes or my account. Synchrony continue to instruct me to contact XXXX to discuss status. Despite the account should not be assigned to 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 2021-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
A few weeks a go, a friend of mine went into victory XXXX located in the XXXX, NY to purchase a car @ XXXX. He needed a co-signer for the car in which he was told that the car will cost him {$530.00} per month. And he will pay biweekly for XXXX mths and then his co-signer would drop off. I agreed to co-sign. XXXX hours later they came back with a paper for both of us to sign. They took us in the darkest room, and we asked about the lighting and they said we are packed tonight. So they they asked us to sign. My friend XXXX XXXX asked why is my co-signer signing first and they replied this is how it goes now, everything is good. We asked for a copy of the contract and they replied you have to come back for that when the bank is open. XXXX was given the vehicle XXXX hours later. We we back days later asked for the contract and they didnt have it. XXXX noticed that the vehicle had some issues tired, dent, wipers, and some other things he went back to have repaired and they still refused the contract. One to Two weeks later I received several letters from credit acceptance stating that I am a owner of a vehicle. I quickly called and conversed with the representative at credit acceptance and explained to them the scenario. They advised me to take the car back and we did. Custody refused to take the car back. They said credit acceptance was closed. I called credit acceptance and kept them on the phone did ring the whole entire visit to victory XXXX. Please refer to the recorded phone call. The representative asked the guy who was portraying to be the manger to give his name and he have a faulty name. He continued to change his name during the whole entire visit. He said that they were not allowed to give XXXX a contract, they couldnt provide him one because it was a paper file, they didnt use computers, they didnt have a return policy, they did not have a return policy posted, they refused to give me a copy of a return policy, they refused to let me speak to anyone with authority, and they threaten to have me put out if I didnt leave. And they said the bank put me first on the loan not them. They said the bank told them not to take the vehicle back. They also said the bank made all the mistake and decisions. I am asking you to void the contract. I am not employed. XXXX can not afford the bill. They lied to him about the payment amount. They placed a vehicle that I do not have chess too in my name, which is perjury. They refused his a contract.

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 2021-12-21 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: PA

Complaint narrative:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-12-21 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: CT

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the XXXX  you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have disputed a doctors bill that was covered by my insurance. XXXX XXXX deleted the account but I am having no luck with XXXX or XXXX deleting the account and they have not given me an explanation as to why its still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I opened a store credit card XX/XX/XXXX with XXXX XXXX worth {$4900.00} through Wells Fargo. Wells Fargo closed my credit card without any notices or explanation. I have no documentation from the company as to why my account was closed. The company closed my account between XXXX and XX/XX/XXXX. I contacted the company XX/XX/XXXX to see why it was closed but they refused to give me any explanation. I didnt owe a balance. When I did have a balance I paid my bill on time ( sometimes ) early. They did offer they can file a dispute so that the account can be removed from my credit but has yet to do so. It has been months since I last spoken to that company and nothing was ever done. The closed account still remains on my credit. I will never get a credit card with Wells Fargo ever again. They are extremely unprofessional.

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 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX, WA XXXX This company claiming I own debt to them which they never properly verified. I requested proper debt verification from them - but they never responded. They put a collection on my credit reports. This is fraud since they didn't verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/2021, XXXX removed 2 delinquent accounts off of my credit report with them after I submitted a dispute. The dispute was with XXXX XXXX XXXX. One debt totalling XXXX dollars and the other debt totalling XXXX dollars. 
I submitted a request for a timely debt review and they never responded. 
TRANSUNION has kept these deragetory remarks on their credit report with them even after I filed XXXX disputes with them. 
I filed a letter under FAIR DEBT COLLECTION PRACTICES ACT. 
XXXX responded APPROPRIATELY. 
TRANSUNION has failed to do so and this leaves me with AN Inaccurate credit score with TransUnion every month. My XXXX credit score is always XXXX points higher than TRANSUNION. Please help me get this removed.

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 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: TX

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: TN

Complaint narrative:
After receiving my credit report I found several late payments that I would like to get removed

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