vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX I lost my debit card. I called chase to file it lost and instead of closing my card completely they froze my account which is not proper procedure. The same day there was a unauthorized withdrawal of {$9500.00}. I filed a claim stating this was unauthorized. It was denied because they said I didnt report my card lost. I tried to refile the claim because I did report it. I called the same day I lost it but the person who helped me made a mistake and didnt close my card. They asked me to provide further evidence so I gave them the police report from when I lost my card. It was still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: VA

Complaint narrative:
I received a letter dated XX/XX/2022, allegedly from Cedars Business Services, a legitimate collections agency. The letter states that I am seriously past due on a debt of {$470.00} to XXXX. I do not have a credit account with XXXX. Anything I have purchased from them has been paid for with my personal XXXX. I checked my credit reports on XXXX, XXXX and XXXX and there are no collections on my record. The Pay by Phone number on the letter does not match the pay by phone number on Cedars Business Services website. 

Since I know this is a scam based on the information I have provided, I am not responding to this letter in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MS

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, 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 who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MS

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, 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 who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collections, Inc.
State: MS

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc.
State: IA

Complaint narrative:
On XX/XX/2021 ( {$10000.00} ) I was sent a final bill from XXXX XXXX for an appartement. I had been approved for aid from XXXX Iowa, although they had not submitted payment. On XX/XX/2021, I was sent another bill for the same amount. Except, XXXX Iowa has sent payment along with how that payment was to be applied, as payment for other rent was included. {$10000.00} was to be used towards this full amount. Since then, even with proof from XXXX Iowa submitted, Sentry Credit along with XXXX XXXX have continued to deny this payment was sent, cashed, and applied to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We purchased a piano at XXXX XXXX XXXX in XXXX XXXX, California on XX/XX/XXXX. The store salesman XXXX told us that XXXX XXXX XXXX now Synchrony Bank ) offers free financing, similar to car dealers, if you pay it off in 2 years, there will be no interest. We thought that's just how all big ticket items are sold these days from cars to XXXX and went with it. 

XXXX XXXX called and sent over a DocuSign with a 36 payments plan. I discussed with them that we are only interested in the free financing offer and were told it's a 2 year plan. They said yes that's right and that we need to set up an automatic payment to qualify. I said that's not a problem, definitely and I asked them to divide up the total amount that I need to pay by 24 months and set up the auto withdrawals for us so that we will have it pay off in time to avoid any finance charges. This was XX/XX/XXXX. 

Now fast forward to XX/XX/XXXX. I thought our last monthly payment would have been XX/XX/XXXX, but I got another automatic withdrawal by XXXX. So I called their customer service, and they told me, in order to qualify for the offer, my payment should be paid no later than XX/XX/XXXX and my automatic payments were set up to draw on the XXXX of each month!!! 

So basically they set me up to fail!!! This is so unacceptable that they basically used my trust to make me miss a few days so that they can charge me all the financing charges! Please help me get this right and please help all other consumers avoid such a trap! So unethical!

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 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
As per my previous complaint placed on this company regarding a XXXX XXXX XXXX XXXX XXXX and XXXX Collection on my credit report I have still never received any correspondence from the this company. They removed and sold the XXXX XXXX to a different company and kept the XXXX on the my credit report. I am reporting the XXXX XXXX XXXX along with XXXX and Attorney General. You do not have the right to no follow guidelines and do your due diligence to investigate accounts once you put it on someone credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synovus Bank
State: FL

Complaint narrative:
On XX/XX/2022, I, XXXX XXXX received my consumer reports and I have noticed various areas in the way First Progress Remittances ( also known as FIRST PROGRESS ) as well as XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX XXXX XXXX XXXX ) are furnishing my information. They are tarnishing my credit score tremendously by reporting late payments every month on a Charge Off account to all the Credit Reporting Agencies and never disclose any details nor provided me with any information nor asked permission to report this late payment which is violating my consumer rights. In fact, Ive never given the Credit Reporting Agencies ( XXXX, XXXX, XXXX, to report this information as well. 
There are various federal laws in place to protect me as a consumer, according to 15USC 1666 ( B ) and another 15USC 1681 ( B ) so they are all in violation to my consumer rights. 
When I am saying ( They ) I am referring to the following, FIRST Progress, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and as well as XXXX, XXXX, and XXXX. 
As a consumer, I am demanding that these companies report to the following accounts should promptly be updated as ON TIME to all 3 Credit Reporting Agencies, XXXX, XXXX, XXXX. The account numbers are listed below. 
the account number with First Progress is # XXXX The account number with XXXX XXXX XXXX XXXX XXXX XXXX The account number with XXXX XXXX XXXX XXXX # XXXX With them violating my consumer rights and reporting this information to my reports has caused extremely XXXX XXXX XXXX, stress and XXXX and anxiety. 

I have not been able to get approved for new credit because of these companies I have stated above and according to 15USC 1691 thats a violation to my consumer rights as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I have paid XXXX XXXX XXXX my phone bill before closing my account last year! I have already contacted all credit companies and they removed it bc it was wrongful and now again for the second time they have resold my information to Mrs Bpo and these arrogant disrespectful have no regard for anyone BLOWS my phone up from noon to dusk. 
They should be held accountable and there needs to be a revolution on this Abusive entity having this much power.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC
State: TX

Complaint narrative:
People keep calling me with recorded messages saying I have a debt that they want to collect on. I called the company XXXX, the number on their website XXXX, and told them I am not the person they are trying to contact and that they should remove my number. They are still calling and texting me from : XXXX XXXX XXXX I am on the do not call list but their recordings seem to indicate that by saying they are a debt collector they can call me anyway. 
They cant! I don't owe anyone any money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2021, I graduated from secured to unsecured account. My check # XXXX for my initial XXXX $ deposit I have not received. I understood the time frames may have been delayed due to holidays, but we are well past that. 

Check issued - XXXX - XXXX $ # XXXX and not received. 
I called regards several times but finally escalated to a supervisor on XXXX - spoke with supervisor she said she put in a stop payment verified my address as correct. Stated that my XXXX XXXX was on the line XXXX and she corrected it. 
XXXX - called spoke with a supervisor XXXX - spoke with a supervisor- was promised a call and resolution on by XXXX no call was connected. 
on hold for XXXX + minutes/ no one called back/had to call back XXXX - Supervisor stated someone was scheduled to call me back with a resolution- to day is XXXX. 
XXXX The supervisor insinuated that she was going to put in another request for my check to be sent. I stopped her because this would be the third time and according to their policy the XXXX time the check should be issued as direct deposit to my XXXX. This also did not happen. I am XXXX and XXXX  of promises made but nothing kept. I feel like they are stealing from me at this point and I want this resolved! I have called several times with no resolution and just the run around. Everyone has been nice, the customer service is not the issue. I would like my money back to me the fastest way possible. If it is in a check form, it needs to be expedited, certified mail. If it is XXXX, that would be even better.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19 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: WI

Complaint narrative:
XXXX is reporting information on my credit report incorrectly and twice with two different account numbers for trade XXXX XXXX XXXX I have submitted disputes to no avail. As a result of the dispute the original creditor updated my account as paid as agreed, satisfactory account. XXXX changed it back to a negative account as well as listed it twice and again with 2 different account numbers. After becoming weary of trying to resolve this matter, I paid a collection agency - XXXX XXXX aka XXXX  to resolve the account. 

As proof of my claim, I am submitting excepts from 3 XXXX credit reports, Receipts from XXXX XXXX Thank you so much for any help you can give me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Account # XXXX, XXXX XXXX XXXX XXXXt # XXXXXXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXX GXXXX XXXX XXXXs, XXXX XXXX XXXX XXXX. XXXX Account # XXXX, XXXX XXXX XXXX XXXXt # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: MD

Complaint narrative:
see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates XXXX XXXX XXXX and XXXX never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
Ability Recovery Services is trying to collect a debt that isnt mine. I never lived at the address they provided on the itemized bill. I never signed up for XXXX XXXX XXXX. I never received a collection bill from this company. The email address is wrong, wrong number, wrong address, wrong credit card information, wrong everything. The name is the same but Im not the person that signed up. I attend XXXX XXXX XXXX University for the past two years. I only lived at 2 addresses in XXXX and now I live in Pennsylvania. I want this removed until XXXX can show proof its mine. Show my ID given to the company, SSN, date of birth, break down of assignments and payments, billing information, etc.. I will be suing for defamation, emotional distress, financial hardships, and wrongful credit reporting. Do the right thing and remove this illegal debt.

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