vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
On the date of XX/XX/2021 I questioned the Balance : {$1800.00} of obligation that you are endeavoring to gather from me for alleged account # XXXX. Also, I mentioned confirmation of the supposed obligation according to my privileges under the FDCPA. Concerning my confirmation demand under the FDCPA, I mentioned a duplicate of a marked agreement too assuming any security store was held to balance the equilibrium, evidence of mailing of any assertion of charges itemizing the justification behind keeping store assets, and verification of the letter mailing date. Any agreement or understanding sent should be with the first bank and marked by all gatherings to it You have neglected to acquire and send confirmation of the supposed obligation by not mailing me an agreement. Rather than sending me a consented to agreement or arrangement as mentioned, you sent didn't give any reaction Consequently you don't have an agreement with me and I don't approve this obligation. There are additionally state laws that expect you to send me a report by affirmed mail which and should involve the subtleties of the leftover store sum. Moreover, I mentioned that you cut it out all assortment movement, counting credit announcing. That is, I mentioned that you erase all announcing made to any purchaser revealing organizations. You have neglected to address my quite certain legitimate demands and are in clear infringement of the FDCPA. Under the FDCPA, it is unjustifiable or inappropriate to endeavor to gather a supposed obligation in any sum that isn't explicitly approved by an arrangement making the obligation or allowed by law. 


Because of the previous, you have caused me extra pressure, disappointment, credit harm, and expenses. You have likewise deferred your chance to agreeably resolve this issue without the need to prosecute. I expect to advance this make a difference to a lawyer or start case against you under the FDCPA. Until you are officially served process, you might resolve my FDCPA guarantees by doing the accompanying : ( 1 ) stop this instant assortment, ( 2 ) erase all of your credit detailing, and ( 3 ) delicate {$1000.00} U.S. The {$1000.00} U.S. should be made payable to the request for XXXX XXXX and got inside 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I made several calls to CashaApp concerning my direct deposits and all they could tell me is how to find my account number/routing. I called Social Security and they said that it had been deposited into XXXX XXXX and it was not the same account number as CashApp. Then we finally called XXXX XXXX  to see what happened. Social Security and myself was told that They are no longer in partnership with CashApp since XX/XX/2021 and that CashApp was supposed to have sent out letters or email letting us the consumers know of these changes, but we received nothing. Because of this my money is stuck in ciber space waiting to be returned back to Social Security and I am waiting more days for a deposit that I should have had on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Friday, XX/XX/2021 XXXX XXXX XXXX XXXX Current Address : : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX RE : TRANSWORLD SYSTEMS I. at ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX On Thursday, XX/XX/2021, it came to my attention that TRANSWORLD SYSTEMS I. at ( XXXX ) XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ; XXXX XXXX, CA XXXX, ( XXXX ) XXXX alleges I have an unpaid debt based on information from XXXX credit agency. I called them to seek additional information on this matter. 



On Thursday, XX/XX/2021, I contacted them TRANSWORLD SYSTEMS I. at ( XXXX ) XXXX by Telephone to inquire. I called 3 times, each time I recieved a recording stating just for calling today you are elligible for a rebate of {$100.00}, please have your credit card handy This is clearly a scam and fraudulent claim on my credit report. I am demanding this be removed from my credit report immediately. 



Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In the first week of XX/XX/2021, I went to make my final payment to BMO Harris bank by logging into my BMO account. In my BMO account, I was able to see how much was on my loan so I could use their express loan payment site to make the payment. I could no longer see the amount I owed, it was as if the account was closed as it wasn't showing on my screens anymore. Unsure of what my balance was, I tried to call BMO many times. I was out of the country at the time and tried to use their international number, but the number would never connect me to a representative and would disconnect. I contacted BMO via email and social media but never received a response. I have an email I sent out on XX/XX/2021 detailing my frustration with the company for not responding to my calls or inquiries and that I just wanted to make my final payment but did not know the amount I still owed. I emailed them consistently for the next following weeks, I was calling them on the international number, I even had my mother call and speak to them as well. They told my mother that they can not speak to her as she is not a user on the account and therefore she can't make payments, but I could add her as a user. I sent more emails requesting to add her as a user but I did not receive a reply until XX/XX/2021. I replied to their email with my mother 's information and requested the number to call to pay off the loan as well as the amount. I never received a response from them until eventually, my mother was able to get in contact with one of their representatives. This representative stated once I approved her ability to speak on my behalf and make the payment, she would need my mother to call her directly in order to make the payment as only she could make it. Once I sent the information with my mother 's details over email, my mother tried to contact this representative whose name I believe was XXXX or XXXX, but it consistently went to voicemail. My mother left many voicemails to make the payment but we were unable to get in contact with her. Eventually, I returned to the states at the end of XX/XX/2021, called BMO, and made the payment myself but at this point, the damage was done and they marked me as delinquent despite my many efforts to pay my final payment.

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 2021-12-10 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: FL

Complaint narrative:
As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account. 


XXXX XXXXXXXX

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 2021-12-10 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
Global radius solutions is a company that I have never done business with, heard from, interacted with. This is a medical debt collector. Hippa violation!

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 2021-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX Current Address : : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX It has come to my attention that as of XX/XX/XXXX, XXXX maintains a record on my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX. I decided to investigate this issue. 
On Thursday, XX/XX/XXXX, I attempted to reach XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX by Telephone at ( XXXX ) XXXX. I called twice. During the first call to XXXX Maryland at ( XXXX ) XXXX, Agent XXXX XXXX with XXXX Maryland told me she was not able to discuss the account at all. During my second call to XXXX Maryland at ( XXXX ) XXXX, XXXX XXXX XXXX Maryland refused to discuss the account repeatedly. 
Due to their refusal to discuss this account, I am requesting this information be removed from my credit report immediately. 
Thank you, 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 2021-12-10 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: TX

Complaint narrative:
My chase back close my personal checking account, and three personal credit cards with chase. I went directly to the branch and told me they could not disclose the reason for closing all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
i have contacted Goldman Sachs at XXXX in regards to the interest rate that appears to be a subprime consumer rate and informed Goldman Sachs about this and the customer service isn't able to rectify this issue my credit score is in the mid XXXX 's and i dont want this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX/Equifax/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Inquiries : XXXX XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account. 

XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was called from a representative stating they were from XXXX and there was a potential fraudulent transaction on my XXXX XXXX  account for a XXXX XXXX since I did not make that transaction, i pressed the number and transferred me to a " supposed '' XXXX security employee who had me download a remote access app XXXX  so he could help secure my XXXX from financial fraud on my Bof A account, he then accessed my phone remotely and said that he would make XXXX transfers in the amount of {$990.00} dollars, {$990.00} dollars, {$1400.00} dollars, and {$1400.00} dollars. The transfer was to the attachment XXXX XXXX YOU, and the XXXX rep said that it would get reversed and then my phone and Bof A account would be completely protected from any future fraud. he basically convinced me that my phone had been compromised and that i needed to protect it and my B of A account and the way to do that was use this app and he made transfers from my B of A checking account via XXXX into this anonymous account and he promised that it would be reversed right away and then I would be protected, but then I had been getting bad vibes from this, and finally hung up and called my B of A bank and asked what they were seeing, and I was expecting them to say that the charges were reversed by XXXX, but they said no these charges are real. The XXXX agent had authorized everything on my phone remotely and I personally did NOT authorize any of these transactions but i was allowing him access to my phone remotely b/c i thought he was from XXXX. So B of A  was able to catch the fourth XXXX transfer in time of XXXX dollars and that was immediately refunded and erased. the other three payments of XXXX dollars x 2 and XXXX dollars x 1 went through and they said to open a fraud claim officially with B of A and I did. REcently B of A contacted me and said that they do NOT think they can refund me b/c i authorized and did these transactions on my phone, but in actuality it was NOT me, it was the XXXX person accessing and doing it all remotely on my phone, HE was doing this fraudulently typing in all of the info, NOT ME, he had access and did all this, thus i strongly feel that i should be covered by B of A and refunded from this fraudulent claim into my account. Please help. B of A has not been helpful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control
State: CA

Complaint narrative:
I am getting calls from this number ( XXXX ) XXXX for a XXXX XXXX that is paid. They say they are going to charge my debit card tomorrow and have the last 4 digits which I never gave to my Dr. office. They do have my correct patient number from my Dr office. I cancelled that card ( they don't know that yet ). I called the Dr. office directly and they said that I am paid in full and never sent me to collections. 

Also getting a physical bill from Continental Credit Control XXXX XXXX XXXX XXXX XXXX CA XXXX. I called them and said I had paid bill. They want copy of check- NOT going to send them anything. Somehow my Dr 's office files are compromised and they are not helping. 

And getting emails threatening to charge my Debit Card. So my Medical info with email, phone number, dates of visits and amount of charges was leaked to these scammers. BLOCKING THEM ALL!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
And unauthorized credit file report sent to XXXX XXXX XXXX released by Trans Union on XX/XX/2021. I did not recognize nor authorize this inquiry about my credit score or file, since this inquiry may negatively impact my overall score I am concerned about its appearance in my file. I do not have nor ever had an account through XXXX XXXX XXXX. I realize that any bank may make an inquiry by law but they need a legitimate reason to do so and as a consumer I need to be informed of what that reason is and this did not happen in this case.

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 2021-12-10 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: CT

Complaint narrative:
In late XX/XX/2021, i Received a letter dated XX/XX/2021 from XXXX XXXX Claiming to represent XXXX XXXX XXXX XXXX. 
The letter alleged a debt which i do not owe. 
This collector is fraudulently attempting to collect debt I don't know by using coercive tactics. 
XXXX XXXX XXXX has reported the debt to the 3 major credit bureaus without giving me an opportunity to respond within 30 days. 
As i file this complaint the 30 day period which is required by the law for me to respond to the letter has still not elapsed yet. 
i have already sent a letter of dispute to XXXX XXXX XXXX XXXX, XXXX and Experian and attached copies to this complaint. 
Experian has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

Both XXXX and Experian are in gross violation of my rights as they have continually done in the past.

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 2021-12-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. I have called Equifax to resolve this issue with one of their Fraud experts and they have directed me to the lenders who pulled my file and I have no need to contact any lender that did not provide me any credit and I did NOT give them permission to pull my credit so by law they must remove these fraudulent inquiries from my file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
And unauthorized credit file report sent to capital one bank released by XXXX XXXX on XX/XX/2021. I did not recognize nor authorize this inquiry about my credit score or file, since this inquiry may negatively impact my overall score I am concerned about its appearance in my file. I do not have nor ever had an account through capital one bank. I realize that any bank may make an inquiry by law but they need a legitimate reason to do so and as a consumer I need to be informed of what that reason is and this did not happen in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, I have an account with XXXX XXXX with a {$10000.00} that the credit bureaus are not reporting on my credit files. 

Thanks, 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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I have an account with XXXX XXXX with a {$10000.00} that the credit bureaus are not reporting on my credit files. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation