vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX, represented by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO has sued me for credit card debt that is more than five years old. The debt was incurred prior to XXXX, XXXX, and we have 2 scheduled court dates for XXXX and XX/XX/XXXX. 

I have had no contact with any person or company in regard to this debt since early XXXX.I have never been contacted by XXXX XXXX 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 2022-09-26 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
PLEASE REMOVE THE LATE PAYMENTS OFF THIS ACCOUNT. MY PAYMENTS WERE NOT LATE AND ACCOUNT IS PAID OFF IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello. Bank of America authorized a bill pay in the amount of {$22000.00} without notifying or my authorization to an unknown account at XXXX XXXX. This happened on XX/XX/2020. So I contacted Bank of America and started a claim with them but their initial response was that I was the one who initiated the transaction when I have never used online bill pay through Bank of America before. I mean usually when I make normal purchases, I will get notifications but I didn't even get one email, text, or call about this transaction. So they told me to contact XXXX XXXX which I don't or never had an account with them and as soon as I got in contact with their customer service, they called me by a different name. I don't remember the name but obviously someone had used my info and phone number to open an account. I explained the situation to XXXX XXXX and their response was that they couldn't give out any information without information or authorization from the account holder. So I called Bank of America and the said they would look into it. A couple of months go by and nothing happened. So I called once more and they directed me to another department, finance claims or something like that, they said the same thing and basically putting the blame on me and accusing me of making that transaction myself which I did not. I tried to contact them again multiple times and their response was always the same. So I contact my local police and made a report but they weren't any help at all. I did speak to a detective once and to this day I have not heard anything from them. I also tried to contact several attorneys about this and none of them would give any legit legal advice about how to handle something like this. After about year or so of dealing with it and getting nowhere with Bank of America, I closed all of my accounts with them and have just taken it as a loss because I could not get any help with this. Until a friend of mine who works in finance told me about the CFPB and said that sometimes you are able to help people like me. So please if you can do anything about this, I would be thankful. It was a lot of money that was taken from me at the peak of the pandemic. Thank you

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 2022-09-26 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
In XXXX, I returned the security and Internet equipment to the XXXX XXXX location. The representative provided me with a receipt confirmation displaying a balance of {$0.00}. Since then I have constantly disputed the charge with XXXX of {$730.00}. 

I have contacted the company multiple times and on XX/XX/XXXX, I spoke with representative XXXX who stated the account was removed in XXXX and should not be reporting as there is no balance owed for the account # XXXX. 

On my credit report, an account # of XXXX with CONVERGENT OUTSOURCING. The creditor ( XXXX ) has confirmed this should not be listed on credit report as no account balance exists

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 2022-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Due to the BREACH OF PEACE of that occured on XXXX XXXX, XXXX XXXX XXXX is liable for damages pursuant to UCC 9-625 ( c ) ( 2 ), Section 9-628, 15 usc 1692f ( 6 ) ( A ) and the XXXX XXXX XXXX XXXX is also liable for tort damages, including punitive damages under Article 1, section 1-103 ( b ). 

Third party repossession companies, hired by creditors to do the actual seizing of property, can be deemed debt collectors. Debt collectors are governed by the FDCPA 15 USC 1692. Pursuant to Texas Business Code 9.609 a repossession company does not have the right to present possession of collateral if the repossession resulted in a BREACH OF PEACE.

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 2022-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy federal has damaged my Credit with late payments on all the credit reporting agencies to scare me into paying a debt I do not owe. I sent XXXX XXXX XXXX DBA navy federal my rescission back in XXXX of 2021 rescinded my signature from the contract and navy federal continues their deceptive business practices to collect a debt not owed. Pursuant to 12 cfr 226.15 I have a right to rescind any contract but I was never informed I had this right so I enforced it as soon as I read the law. Navy Federal never loaned me anything of value 12 usc 1431 says that banks are the borrowers. I the consumer extended navy federal credit and they are coercing me to re-pay an extension of credit by jeopardizing my consumer credit reputation with other financial institutions is text book extortion. I also sent navy federal ( XXXX XXXX XXXX ) a cease and desist and navy federal has yet to comply with my demands in the cease and desist. This is a criminal violation of 15 usc 1611for willful and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. This is extortion and I want get my remedy immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2022-09-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: PA

Complaint narrative:
I emailed a live agent a copy of my cease and desist letter, the agent confirmed the email was received and I should be contacted within XXXX days ( XXXX ) from an agent from the billing department. I was never contacted, rather late payments were reported to my Transunion and XXXX consumer reports. I am not sure as to why these payments were reported late or even reported to my consumer report at all when the representative stated that the company does not report to credit bureaus. Further, the company continues to contact me even after receiving my cease and desist letter.

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 2022-09-26 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:
I emailed a live agent a copy of my cease and desist letter, the agent confirmed the email was received and I should be contacted within two days ( 48hours ) from an agent from the billing department. I was never contacted, rather late payments were reported to my XXXX and Experian consumer reports. I am not sure as to why these payments were reported late or even reported to my consumer report at all when the representative stated that the company does not report to credit bureaus. Further, the company continues to contact me even after receiving my cease and desist letter.

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 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
Received a credit card bill for {$78.00}. 
I never applied for this card. I never received this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: FL

Complaint narrative:
On XX/XX/XXXX I made outreach to Equifax to advise them there was incorrect information on my credit report. They initiated a dispute. Less than 30 days letter my dispute was resolved. 

This credit bureau states my accounts were properly investigated but how is that possible if the open date, last date active, collections account reporting as late, date last reported and original creditor is either missing or completely inaccurate. This is ground for removal as they also have violated my rights under 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 also states a consumer reporting agency can not furnish an account without my written instructions XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX Account XXXX Due to this incorrect reporting accounts, I am being charged a high interest rate of 7.2 % for my car loan and over 25 % in credit card interest as well. This is requiring high payment amounts monthly and it is unjust for this to continue causing hardship to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
PLEASE REMOVE FROM CREDIT REPORT I DID NOT RECIEVE NOTHING ABOUT THIS DEBT BEING OWED. I DID NOT SIGN NO DOCUMENTS STATING I OWE THIS. THIS IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: NY

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 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: DE

Complaint narrative:
Hello, my name is XXXX XXXX XXXX XXXX, 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 change. Im trying to buy a home for my family and because of these items I am unable to be approved. I ask that the items be deleted to my credit report. I reported the theft of my identity to the federal trade commissions Identity theft Affidavit. Please delete the items as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: DC

Complaint narrative:
Today i received a derogatory mark on my credit report from a collections company called phoenix financial services for the amount of {$900.00} from XXXX XXXX XXXX. This is completely fraudulent. They said its for a hospital visit on XX/XX/2019. I never received any notification. It seems to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
REF. ) : Account # XXXX YOU BROKE THE LAW & ARE IN VIOLATION OF THE FDCPA Pursuant to 15 usc 1692 c ( a ), you must have my direct consent and written instruction to contact me in connection of debt collection. NEVER! Did I give such consent or instruction. Also, Id like to make it explicitly clear that ALL debts are ALLEGED Pursuant to 15 usc 1692 ( a ) ( 5 ). Therefore, telling a Natural Person they owe anything is a direct violation of federal law according to the FDCPA! Also, NEVER was I provided with the 5 things that are REQUIRED under Federal Law in connection with collection of this alleged debt, Pursuant to 15 usc 1692 g ( a ) 1-5 after your initial communication.

Id also like to point out the use of the term loan, this term is not defined anywhere under Federal Law! So why is True Accord using such terms? It is illegal and highly unethical to use terms that will mislead the consumer. I must understand every credit transaction & True Accord has yet to provide such clarity. Making any loan null and void According to True Accord they received my private personal identifying information from XXXX  XXXX. NEVER! Did I give XXXX  such authorization or written instruction to communicate to a third party my private information or be contacted by said third party Pursuant to 15 usc 1692 ( c ) ( a ). I have a right to privacy! Which both parties are in violation of those rights. Since I did not give True Accord my private identifying information directly, I will be treating this as Identity Theft which is illegal Pursuant to Federal Law! Pursuant to 15 usc 1692 ( j ) it is also a violation of the FDCPA to furnish certain deceptive forms to create the false impression anyone, but the creditor is participating in the collection of a debt. This is apparent when continuing to coerce me to make payment payable to TRUE ACCORD who I NEVER did business with nor whom was present for said alleged obligation. 

It is becoming abundantly clear of True Accords gross negligence in complying with Federal Law. All debt collectors must comply with the FDCPA and are liable for All violations pursuant 15 usc 1692 K! 

True Accord has violated my federally protected rights and are liable for said violations In the amount of {$5000.00}!. I expect a check be sent to the abovementioned name and address you have on file in the amount of {$5000.00} no later than 7 days after receiving these communications & all communications with me going forward shall cease and desist. The account you have in my name be deleted and any obligations be XXXX Out completely. If I do not receive my check & deletion of all alleged obligations. I will use every resource available to me to collect remedy not limited to Federal & State Court. 

Attached is an invoice payable to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: WI

Complaint narrative:
After speaking with Equifax and addressing my issue that I have a collection from XXXX XXXX that started reporting on XX/XX/22. I have spoke to them via phone to inform Equifax I wanted this removed on the grounds that its a violation of my consumer rights per 15 usc 1681 602a which states I have the right to privacy. Also informed Equifax that they were also in violation of 15 usc 1604 which states that Equifax needs my written instruction to furnish anything on my consumer report. 
Most importantly Equifax has also violated their own data sharing policy which states as well that Equifax needs the consumers written instruction to furnish items on the consumers report

Company response to consumer: Closed with explanation