vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My wallet was stolen from my car with my drivers license, Chase credit card, Case Debit card, XXXX credit card, and insurance card on XX/XX/XXXX. On XX/XX/XXXX I received fraudulent alert charges and immediately called Chase and XXXX to notify them about the fraud and the theft. I canceled those cards and received new ones. On XX/XX/XXXX I received a text from Chase regarding a one time password, confused I called Chase to find out someone with my drivers license and expired Chase debit card was trying to take out {$2000.00}. I reported it as fraud but it was to late. Chase had given someone with my drivers license and expired card {$2000.00} even though they did not know my PIN, they claimed they changed their phone number. On the phone I was told I would be reimbursed in 7-10 business days and instructed to freeze my accounts which I did. The next day I went to my local Chase to close my accounts and create new ones and to get a new debit card. I was asked to file a police report with I did XXXX XXXX I faxed the incident repot to Chase XX/XX/XXXX. I am still waiting to get refunded for my money which chase gave to someone who was not me. Chase will not reimburse me without a police report which I do not have. I have requested it from the police department but told it could take up to 90 days. I have called multiple times requesting my money be placed back in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC
State: AL

Complaint narrative:
The first time I had ever heard of this company is when they sent a bill for me to pay 2 to 3 months ago. I immediately called the company to advise they had the wrong person and that I didnt owe the debt that it was fraud. I advised the company I dont even go by the name on the bill they sent to me and I never bought anything. The lady I spoke with said that they would not bother me again and send the account back to the company that hired them to send me the bill. 
Today I get a letter from this collection agency stating they purchased the account and they are trying to collect and harass me for a bill I know nothing of and that I know I dont owe. 
I do not owe this company anything and Ive advised them to cease and XXXX  harassing me and do not put anything on my credit report that I dont owe. The name is incorrect, I never signed any contract, i never purchased anything, and I know nothing about this company, Then the company is showing stuff in XXXX and XXXX but the first time ever sending me anything or I couldve disputed this back during those times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: CA

Complaint narrative:
Enhanced Resource Centers is a debt collection company based in Florida. Since XXXX, XXXX, this company has been calling me at least once a day, sometimes twice a day, EXCEPT on weekends, from a toll free number XXXX XXXX. Not once has I received any written communication nor a voicemail stating the amount of the debt, the kind of debt, et al. 

I blocked this number but this company managed to call anyway. I do have an app on my phone that blocks any number of which I am unfamiliar yet this company was able to bypass the block. 

After much of this harassment, I finally submitted a complaint to the XXXX XXXX XXXX and asked them to help me resolve this problem. I was forwarded a response from Enhanced Resource Centers that was sent to the XXXX stating that " ERC was not made aware that the number we were calling was incorrect for the consumer we were attempting to reach prior to this complaint. '' They then had the temerity to request that I contact them to " add into our internal Do-Not-Call records to prevent further contacts from our office. '' I did not receive an apology either. The person who sent the letter was someone named XXXX ( XXXX ) XXXX who refers himself as " Director of Legal. '' I looked this guy up on the Florida XXXX XXXX website ; XXXX is NOT an XXXX. He DOES have social media accounts however. 

This company is rated " B '' on the XXXX XXXX XXXX website and with good reason. They have had many people complain about them which complaints are also posted on the XXXX website. This company is unscrupulous in that they continue calling people who may or may not owe money and I even went ahead and requested and received a free credit report to find out if there was a debt that I failed to repay. The credit report came back unblemished which is what I expected. 

Enhanced Resource Centers needs to be contacted by the attorney general with a cease and desist letter and/or at least be sued for deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: GA

Complaint narrative:
There are 2 different open dates XX/XX/2013 and XX/XX/2013, The amounts of XXXX and XXXX This is my second time filing a complaint about US EDU DEPT it has been well over 30 days with no response or a validation of debt. Under 15 U.S. Code S 1692 ( g ) b i have the rights as a consumer to ask for validation of 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
Consumer complaint received 2021-06-29 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MoneyLion Inc.
State: NE

Complaint narrative:
I have sent several correspondences to Money Lion about an open end consumer plan asking for an audit trail of this consumer credit transaction on XX/XX/2021 so that I could dispute the validity of this debt. This transaction is hindering my credit report so I am hoping to check for any billing errors and to see if I was properly disclosed about the use of my credit both pursuant to 15 USC 1601 Truth In Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
UCB = United Collections Bureau I received a letter in XX/XX/XXXX that the debt collector United Collections Bureau, that has bought a debt from XXXX XXXXXXXX XXXX, closed my debt account after they did not adhere to the FCRA debt validation process. {$290.00} was taken out of bank account by XXXX XXXXXXXX XXXX without any written notification or phone calls. I previously verified the debt was owned by United Collections Bureau by mail. I did not receive any documentation by XXXX XXXX about the debt. 

My local XXXX XXXX branch banker sent me to someone else who I spoke to at XXXX today at the XXXX XXXX location in XXXX, OH. She said that I was scammed and didnt know what I was talking about. She refused to talk to the collections department she called about my concerns specifically reviewing the paperwork I brought from UCB verifying the account was closed. She would not look at it and advised me to just pay the money today. She gave me a non-working number for the collections department. She also said there was no one I could dispute the debt with. I attempted to called her office number and it was as for someone else. Im attaching all the paperwork. 

I need the money back because I have already settled the debt with UCB. Based on the FCRA laws and how I only received documentation about this debt. XXXX XXXX XXXX sold the debt to UCB without notifying me. When UCB notified me of my account with their debt collection being closed, I was informed in writing that they were no longer pursuing the debt. Documentation is attached. 

XXXX XXXXXXXX XXXX  would have had to repurchase the debt. XXXX XXXX banker merely stated that the debt was charged of to collections in XX/XX/XXXX. She did not provide any paperwork. I received the documentation from UCB in XX/XX/XXXX. I need for XXXX XXXXXXXX XXXX to explain when the debt for {$450.00} to their bank was repurchased by their bank. UCB needs to provide the original validated documentation. I have done my part and yet Im still be held responsible for a debt I am not obligated to pay.

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 2021-06-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

2. Identity Theft XXXX Account Number : XXXX This is not mine.

3. Identity Theft 01 CITIBANK N A Account Number : XXXX This is not mine.

4. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-06-29 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV

Complaint narrative:
Lakeview Loan Servicing LLC a subservicing by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX. 
This company owes me the escrow balance in the amount of XXXX. The loan was payed off and recorded as payed off on XX/XX/2020. Over seven months later they have yet released the balance of the escrow money. I have sent inquiries through their on line service with not even a substantive reply. I even ask my congressman to inquire on my behalf. Nothing no reply. The escrow balance is due to me

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 2021-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There is a discrepancy in the reporting of a late payment for this account for XXXX of 2020. I contacted Capital one to discuss the inaccuracy but it is still reporting as a negative on my credit report. This inaccurate information is in violation of FCRA and to me as a consumer. There is no proof that I was late. Attached is a screenshot of the account from my credit report which shows the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I want to sue toyota financial services because in XXXX they made me a credit extension in my name in which after the credit transaction they made me sign a promissory note ( contract ) in which I delivered my property to them in a deceptive way. The contract that contained an arbitration clause that was never shown to me nor was I required to read, now in XX/XX/XXXX I got a copy of this presumptive contract that clearly shows the amount of credit that was taken in my name to pay the XXXX XXXX XXXX ( XXXX ) which was the product for which I signed a credit application and after they extend my credit and pay the car to the dealer number XXXX they made me sign a contract in which they discredited me as a debtor. This contract has many presumptive and deceptive clauses which I would never sign if that transaction were made today. I also have evidence of a guarantee that they sold me with the excuse that if I took that guarantee they would lower the interest of the car, an offer to which I agreed since it was an unfair deal to sell me their mandatory product, a product which I canceled after a week and the money was added to the capital balance on XX/XX/XXXX for the amount of XXXX this amount was also used from my credit with my consent but in a fraudulent and deceptive way, for that reason it was refunded to the account capital. I demand that I be given the amount of credit that they took in my name to pay the dealer and then they sold me a contract in which I delivered my property to them in a deceptive way. And if they refuse to pay me I will take them to court and they will have to show where they got the money from and show that credit transaction and I have proof that the guarantee that I canceled was put in the capital of the contract, that proof is enough to show that my credit was extended and you see I pay the car in full but not with their funds. 12 CFR 1026.36 - 15 USC 1692B- 15 USC 1602. I am the consumer, a natural person, none of the codes define me as a debtor and they defamed me in their contract saying that I am a debtor because they deceived me with their presumptive contract. 15 USC 1602h 15 USC 1602 I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/XXXX I am writing to file a complaint against XXXX XXXX, XXXX, and Transunion. 

I have made several disputes with the credit reporting agency reporting that XXXX XXXX was not accurately reporting information. The balance that XXXX XXXX is reporting to the credit agencies as {$11000.00} does not reflect in the transaction history ledger that XXXX XXXX provided. I recently sent a debt validation letter to XXXX XXXX requesting that the lender provides transaction and balance history. Per the documents provided by XXXX XXXX on XX/XX/XXXX, The balance on this debt after any interest, fees, and liquidation costs was only {$7900.00} as of XX/XX/XXXX. However, an inaccurate amount is being reported and neither has XXXX XXXX provided a explanation for the higher balance. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required and under laws of state and federal statutes. I am requesting that this item be removed from my credit report immediately. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX to date. 

I am requesting your assistance in putting an end to this matter.

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 2021-06-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/XXXX I am writing to file a complaint against XXXX XXXX, Experian, and XXXX. 

I have made several disputes with the credit reporting agency reporting that XXXX XXXX was not accurately reporting information. The balance that XXXX XXXX is reporting to the credit agencies as {$11000.00} does not reflect in the transaction history ledger that XXXX XXXX provided. I recently sent a debt validation letter to XXXX XXXX requesting that the lender provides transaction and balance history. Per the documents provided by XXXX XXXX on XX/XX/XXXX, The balance on this debt after any interest, fees, and liquidation costs was only {$7900.00} as of XX/XX/XXXX. However, an inaccurate amount is being reported and neither has XXXX XXXX provided a explanation for the higher balance. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required and under laws of state and federal statutes. I am requesting that this item be removed from my credit report immediately. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX to date. 

I am requesting your assistance in putting an end to this matter.

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