vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 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:
I am a victim of identity theft. Please sse identity theft report attached. I have consistently, since the beginning of the year, disputed fraudeulent accounts of various amounts and duplicates upon duplicates, that are the results of identity theft on f the selling and reselling the fraudulent accounts on my credit profiles on all three credit bureaus, and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles, anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I never received a bill initially and i was called by debt collector that i owe a certain amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I expressed my concern to XXXX  XXXX about the balance billing if a XXXX  related  claim which should be covered under the cares act and I got nothing from the hospital. I also asked about charity and never received an application. The balance after insurance paid is a {$1000.00}, which I have been paying the hospital {$100.00} a month if I can.

Im currently not working and on social security XXXX. I had no income for five months, so now Im trying to catch up on my bills. 

The collection agency is sending threatening letters and calling. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: PA

Complaint narrative:
First federal credit control has been sending me collection notices in the amount of {$480.00}. This balance has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
While on vacation, my identity was stolen and used to loot my wife 's and mine checking accounts for {$110000.00}. The bank ( Apple Bank in XXXX XXXX NY ) said the transactions met their criteria. The never asked about these sudden and out of character withdrawals. The money seemingly went to a brokerage in Connecticut, who said it wasn't them. I have filed a deposition with the XXXX XXXX ADA who " following procedures. '' I hired a lawyer who hit a brick wall. I filed an IC3 with the FBI and called four times. No response. The complaint with the FTC ended with them " thanking me for helping built their statistics. '' FINRA got the Interactive Brokers in Ct to send a shot email saying someone tried to open an account in my name. They turned it down and never directly withdraw money, even as their name is all over the thefts. I just opened a claim with the FDIC, but we need all the help we can get. I have a pile of paperwork I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: GA

Complaint narrative:
Received credit inquiry from XXXX on XX/XX/2021. Inquiry stated wrong address input, further investigation required. 
I have no knowledge of this inquiry and no credit application was completed. Also, input address is not my current or previous address. Possible fraud.

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 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
This bank chase has profiled me twice and dose not care about there customers at all they just want money that ; s it period this is unfair and uncalled for this bank needs to be investigated they assume people cant afford to pay bills so they close them with out calling them or working with them which they have not done with me at all the company treated me unfairly and rudeness also so I wanted solved now other wise I am filing complaint with American disability act against this bank for profiling me and treating me unfairly do to having autisim and ADHD I do not understand things very well at all and have had hard time in life so for this bank to advantage of me is uncalled for I will not give up until the bank either pays off the balance for me or is willing to compromise in a professional caring way in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I signed up for cell phone service with XXXX XXXX XXXX, but l couldn't get reception in the area l lived in. I am the sole caregiver and provider for my elderly handicapped mother and l can't afford to be without phone service. 
I forgot my pin # and was told to go to the store to reset it. I was told it couldn't be reset because the acc't was cancelled. The acc't was cancelled and l was given a no. to call. I talked to XXXX XX/XX/XXXXand was told l would receive a call from management within 48 hours. I never received the call, but XXXX XXXX XXXX billed me {$300.00} and turned me over to a collection co. How are they able to charge me for service that was never activated or used? l don't have all of the exact dates or names but l called several times and went into the store when instructed, but was basically given the run around. I never received an official contract, but i'm attaching the original bill of sale. 
Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
I was never properly served and only learned of a legal complaint after being contacted by soliciting mail. 
I immediately contacted XXXX ( see the letter attached ). XXXX did not answer me as well and did not confirm whether they have hired this company as an Attorney. 
Then I filed a complaint against XXXX, submitting the same letter. 
Their answer is also attached. 
So XXXX is basically confirmed the alleged debt was sold to this company, and they have nothing to do with it. 
This company illegally filed a LawSuui against me on behalf of XXXX, without their knowledge of it, have never served me properly.. 
XXXX has never provided me with information about how much this debt was sold for, and whether their bill of sale was or was not, allows collectors to bring the law suit against me.

As per XXXX, collectors have had the file about alleged debt since XX/XX/2021, but I have never received any letters from them, as it requires by FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: UT

Complaint narrative:
XXXX has received an official identity theft affidavit and I am uploading this as well for Trans Union to block XXXX XXXX illegal debt record on my credit consumer profiles. They are all breaking the law under section 605 B. Additionally I have given General Revenue the police report numbers from the XXXX XXXX XXXX police department report-XXXX, report-XXXX, report-XXXX, report-XXXX. Which they have failed to retrieve under section FCRA 623 they are duly responsible to do a 100 % complete and accurate investigation which they failed to do. If I dont send the police reports doesnt give XXXX XXXX the legal right to report to a consumer reporting agencies anyways and then state it is verified and accurate which is false and a crime. The REAL FCRA LAW STATES : They have the sole grave responsibility to retrieve all documentation which is the XXXX XXXX police department reports in regards to the identity theft and fraud and do a thorough investigation with 100 % completeness and accuracy. This is the real law! I will win easily in third district court once litigation proceeds and a judge sees all this documentation. XXXX has reviewed and received this current FTC identity theft report there response is attached. Which is valid and active. Additionally Detective XXXX XXXX from the XXXX XXXX police department instructed me to file with the FTC for all identity theft related reports back in XXXX for all identity theft and fraud that occurred. I am requesting the CFPB document this pattern of willful abuse by XXXX XXXX and XXXX for abusing the law and the misinterpreting the FAIR CREDIT REPORTING ACT.

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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: TN

Complaint narrative:
On XX/XX/2021, I mailed a letter requesting a copy of my consumer report. It has been a month and I still haven't received the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a XXXX year old woman and I was the victim of a on line scam on XX/XX/2021. I thought I was dealing with the XXXX XXXX. I was told that I had a refund for {$340.00} dollars for service I had not used. The person I was talking with ask for my bank account number to credit my account with the over charge. I stupidly gave them my account number. I was told that I had not put in the right amount and I had been credited with {$3000.00} dollars to much. I was told that that they could not remove the {$3000.00} from my account and that I needed to get {$3000.00} dollars in gift cards. I went to Wells Fargo Bank in XXXX, CA I thought I was just putting a {$3000.00} charge on my Wells Fargo account and I was not asking for a " pay day '' advance. When I realized what had happened, I telephoned the Wells Fargo Bank in XXXX, CA. I was told by the Wells Fargo there was nothing there was nothing they could do to remove the {$3000.00} from my credit card. I went home and called the customer service number, was told that Wells Fargo could not do anything.

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 2021-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
I received a call from a company called Federal Student Debt Relief phone # XXXX, claiming to be with Fed Loan Servicing. They said I qualify for 70-80 % of my debt to be relieved. I asked what information they had about me, and his reply was everything from when you applied for the loan. I then asked what all that was. He gave me my maiden name, birthday, email, and current address, didnt say whether or not he had my SSN or IEN. He also asked about my school status and I replied with, if youre with Fed Loan Servicing you would know the status of my education. I really think this is a scammer, and am worried this company may have more of my information than they let on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: Global Lending Services LLC
State: GA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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:
National Credit Systems INC has been sending me collection notices in the amount of {$4900.00}. This balance has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on ENHANCED RECOVERY CO L. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX a complaint was filed with Experian. Complain ID XXXX. Based on the company 's response it shows that they are willfully failing to comply with the Fair Credit Reporting Act. In my complain I listed specific items that must be removed immediately due to them never being authorized by me the consumer. They are in violation of 15 USC 1681b ( a ) ( 2 ) by having information on my consumer file that I never gave permission to be there. Per 15 USC 1681b ( B ) ( i ) ( IV ) once noticing that the information reporting on my consumer file was not authorized by me. I immediately wanted it removed. Per 15 USC 1681a ( o ) ( 5 ) ( C ) ( i ), Experian has to notify me the consumer within 5 business days of anything that is added to my consumer report. That was never done. This is a case of identify theft because I never gave authorization to Experian, meaning that someone else used my information. If the information was not authorized by me, wouldn't that make the information on my consumer report false?

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 2021-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake Financial Services XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX WestlakeFinancial.com This business appears to have an ongoing practice of not releasing titles in a timely manner. I paid off my loan on XX/XX/XXXX ( one month ago ) and they have not released the title electronically to the TX DMV. I have called, emailed on numerous occasions. Multiple customer service agents have told me a different story every time ( it's on hold because of the address (? ) ; it's been released ; it's supposed to arrive XX/XX/XXXX, etc., etc. ). The title department does not answer or return emails or calls. One of the many customer service agents I spoke to informed me that even THEY could not get in touch with the title department. I have researched this and it appears to be a systemic practice for the company.

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 2021-09-24 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:
I sent in my police report and my notarized affidavit to the three credit bureaus I called last month and talked to XXXX, XXXX and Trans Union Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent accounts, fraudulent inquires and inaccurate late payments on my credit file even after going to the police dept and filing a police report. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them a full fraud package, I spoke to XXXX who said he was from the fraud department integrity team and stated that and she didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Block the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department The fraudulent accounts are reported on my credit are as follows ; XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX This account was never late and the creditor never verified such inaccurate information XXXX XXXX # XXXX This account was never late and the creditor never verified such inaccurate information XXXX XXXX # XXXX This account was never late and the creditor never verified such inaccuate information Fraudulent inquires ; XXXX  XXXX XX/XX/21, XXXX XXXX XX/XX/21, XXXX  XXXX XX/XX/21, XXXX XX/XX/21

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 2021-09-24 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: PA

Complaint narrative:
Cainer and Werner Company INC of XXXX XXXX XXXX, XXXX XXXX, CA XXXX, has been sending me collection notices in the amount of {$240.00}. This balance has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I continue to have issues with the location ( at XXXX and XXXX XXXX XXXX Washington , DC ) and capital one in general. I have reached out many times and no one ever follows up. The person helping me was unable to help, saying I needed to call the 1-800 number. I explained I did that this morning. What are you supposed to do when you have an unresolved issue? How is it that an ambassador is not available on a Friday afternoon in person? When I asked that question, the other agent mentioned she. I questioned the name on the card I was given because its a male. I was told there are many ambassadors. Once I left, I called and literally the woman answered who I was having issues with. She was still very rude and disrespectful. She said I was given the wrong card before hanging up the line, no one would answer when I called back despite being still open. She refused to give her name. There is no accountability at capital one. I was told my debit card would arrive with 3-5 business days. According to the tracker, the card was just created today. It was just as " just created '' every day since Monday.

Company response to consumer: Closed with explanation