vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I moved out XXXX of XXXX, in my move out statement I noticed several fraudulent charges. Ive been back and forth with my apartment complex who wouldnt own up to their negligence. I never received written notice from the debt collector. I spoke to them for the first time today XX/XX/XXXX after retrieving information from the apartment complex corporate office. I told them I wanted to dispute the charges to which the guy I was talking sympathized where I was coming from and said they would help me and after a few questions they said they would lower my bill from {$2100.00} to about {$1800.00} and make it all go away. I was charged for an unregistered pet who is an XXXX  dog. Has been a service animal since before I even moved in and I maintained her paperwork the entire time I lived there, I still have her paperwork and the office never once asked me for it. They charged me for a gate card which I have a picture of where I left it along with the keys in the kitchen drawers like the move out instructions stated but they didnt charge me for the keys but managed to charge me for the gate card. I was charged for a full repaint of the apartment and the only evidence they have was some wall sticker decorations the size of a basketball on my bedroom wall. The stickers are easily removable and do not chip the paint when you peel them off. The paint on the wall of the apartment was in perfect condition. They tried to say the mattress in the apartment was missing but in one of the pictures provided you can clearly see where I left the mattress next to the refrigerator in the apartment. I was charged for a shower head that was left under the sink when I replaced it with my own personal one with the extension cord. I was charged a pest control fee when there were bugs already in the apartment when I moved in and they had pest control coming to the apartment on a monthly basis while I was living there. There is {$830.00} worth of charges on my movement statement that I disputed and they were only willing to knock down {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Bankruptcy - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX A representative from Experian recently stated two thing : 1. All accounts reported on a credit file has an address identifier linked to it that ties to an address listed on my credit report. PROBLEM : The address identifier linked to the bankruptcy is NOT listed nor tied to an address on my credit report. YOU HAVE MERGED MY FILE! I keep explaining there are THREE generations with the same name in my family. My father, XXXX XXXX XXXXXXXX XXXX  ; Me, XXXX XXXX XXXX, XXXX ; My son, XXXX XXXX XXXX, XXXX. My dad names on my report MULTIPLE times. XXXX even has my son 's birthday on my file. Who are you verifying??? 2. The representative confirmed that Experian verifies bankruptcies through XXXX. PROBLEM : I've sent Experian the letter from XXXX that clearly shows that bankruptcy COULD NOT BE VERIFIED BUT EXPERIAN keeps claiming to have verified and this has to be a complete LIE! I think Experian knows my file was merged which is why they suddenly deleted accounts I BEEN told them were not mine BUT kept XXXXXXXX XXXX XXXX XXXXXXXX, and Bankruptcy. Plus ALL of these INQUIRIES KEEP SHOWING UP! WHY? WHO ACCOUNT DID EXPERIAN SUPPOSEDLY VERIFY? Experian has multiple violations of my rights under FCRA.

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 2022-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Helbing Law Group
State: IL

Complaint narrative:
Signed up with Helbing Law Group for debt consolidation on XX/XX/2019. Made XXXX  monthly payments of {$540.00}, XXXX payments of {$830.00} and a legal fee of {$370.00}. I have been summoned to court both credit card companies. I learned today that Helbing never contacted XXXX XXXX XXXX on my behalf. I received an email from XXXX XXXX stating that I have an account balance of {$13000.00} and that I will need to pay them another {$14000.00}. XXXX also stated that my settlement amounts are XXXX XXXX and XXXX XXXX He never contacted the creditors on my behalf. I also had to pay the legal fee for representation to another creditor because they wanted to take my home. I am asking for assistance to get my {$22.00}, XXXX back from Helbing Law Group. I have sent emails and call everyday with no response. I have been advised by XXXX attorneys to contact you and I also filed a complaint with the Attorney Registration and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
To whom this may concern, From XXXX XXXX XX/XX/2021 I had numerous unauthorized & unrecognized inquires. I am requesting these items be deleted to correct the information. Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX 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 2022-05-27 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/2022 Navy FCU acknowledged that the company is in violation of 15 USC 1692 ( a ) ( 2 ) conveying of information regarding a debt directly or indirectly to any person through any medium. Today XX/XX/2022 Navy FCU is still in violation of 15 USC 1692a ( 2 ) by reporting private information which is violation of 15 USC 1681 section 602A, to credit bureau, is still a form ( medium ) of communication. NAVY FCU is furnishing my private information to a consumer reporting agencies without consent to coerce me to pay an alleged debt is extortion. Collection of extensions of credit by extortionate means a violation of 18 USC 894 and carries a criminal liability of up to 20 years in prison.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
To whom this may concern, From XXXX XXXX XX/XX/2021 I had numerous unauthorized & unrecognized inquires. I am requesting these items be deleted to correct the information. Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I was notified of an account that was in collections. I had no prior knowledge of this debt. The original credit said it was placed in XXXX and is in collections in XXXX? The original creditor is something called XXXX XXXX. I have no knowledge of this company. It is listed on line as a known scam. They falsify owed money and try to scam people into paying it by having it in collections. I do not owe this money. My credit dropped XXXX points. I want it removed and I want XXXX XXXX flagged as a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
To whom this may concern, From XXXX XXXX XX/XX/2021 I had numerous unauthorized & unrecognized inquires. I am requesting these items be deleted to correct the information. Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX 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 2022-05-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
1. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Joint Account Account Type installment Loan Type AUTOMOBILE Balance {$72000.00} Last Payment Amount {$1500.00} Original Amount {$78000.00} 2. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$700.00} Original Amount {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX Past Due {$700.00} These 2 accounts were opened despite freezing my credit online through XXXX, Equifax, and XXXX on XX/XX/XXXX. These accounts should have never been opened. A lady consumer advocate or something from XXXX told me on XX/XX/XXXX that she would fix the situation when I notified her that XXXX XXXX credit monitoring service alerted me that someone is trying to apply for a loan at XXXX Bank. She told me to freeze my credit online with XXXX, Equifax, and XXXX. I immediately went online and freeze my credit on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: FL

Complaint narrative:
1. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Joint Account Account Type installment Loan Type AUTOMOBILE Balance {$72000.00} Last Payment Amount {$1500.00} Original Amount {$78000.00} XXXX. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$700.00} Original Amount {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX Past Due {$700.00} These 2 accounts were opened despite freezing my credit online through XXXX, XXXX, and Experian on XX/XX/XXXX. These accounts should have never been opened. A lady consumer advocate or something from XXXX told me on XX/XX/XXXX that she would fix the situation when I notified her that XXXX XXXX credit monitoring service alerted me that someone is trying to apply for a loan at XXXX Bank. She told me to freeze my credit online with XXXX, XXXX, and Experian. I immediately went online and freeze my credit on the same day.

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 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MA

Complaint narrative:
I have had a credit card with the company Elan for approx 30 years. 

I pay the card balance in full prior to the due date every month and thus have never paid any interest. 

Every monthly statement always shows a previous balance of XXXX and no interest charges. 

Suddenly in XX/XX/XXXX, the ( online ) statement showed that I had a balance due ; and that there were interest charges. I reviewed older online statements going back a few months and saw that the online statements were showing interest and overdue balances. However, I have previously downloaded copies of the same statements that show no balance and no interest due. So somehow, Elan went back in time and CHANGED the statements. 

After several phone calls and a lot of time spent explaining this, a manager finally admitted that they had back charged me for interest because they received a payment XXXX day late during XX/XX/XXXX. I pay electronically so perhaps this was over weekend or something, but I paid from my bank on time. But at the time the payment was XXXX day late, they did not charge me interest and I never knew about it. I still have the relevant statements showing no balance due for the ensuing months. If I had known they wanted me to pay them something because of the payment being XXXX  day late, I might have paid. But since they say I didn't, now they were trying to charge me for interest and fees accruing during the ensuing 3+ years. 

Finally the manager I spoke with said she would just waive all the interest and fees. Magically, the online statements were re-created again and now look like they originally did with no interest or fees. So I thought all was well, until... 

Today I went online to get my latest statement, and it correctly shows no prior balance. However, I see in another part of the website it says I owe what I calculate as an extra {$530.00}. I called repeatedly today about this, spoke to 3 or 4 people who were no help ; they just keep insisting the 'balance ' is right even though I have the current statement that shows it is wrong. 

This is very frustrating. I can't seem to get anyone on the phone that has any real knowledge. Maybe the smart people there are on vacation today. I have a perfect credit record and don't want it ruined because of this kind of a problem. 

The really onerous thing about this, which I think has to be addressed, is that Elan was somehow able to basically RE-CREATE all the past statements seemingly at will, changing the amounts owed each month, etc. Lucky I have copies.

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 2022-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OF XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2021, two checks from my bank account were intercepted in the mail. The original information was erased or whited out, and the checks were forged with different amounts to two separate recipients and deposited in fraudulent accounts in XXXX XXXX. The checks were # XXXX for {$16000.00} withdrawn on XX/XX/2021 and # XXXX for {$9500.00} withdrawn on XX/XX/2021. I was traveling in XXXX and XXXX and don't believe I received my XXXX statement that would have shown the deposit of check # XXXX as a result of my mail being held. I filed a claim ( claim # XXXX ) with my bank, Chase on XX/XX/2021. I also filed a police report with XXXX XXXX ( Complaint # XXXX ). 
After several months, Chase reimbursed me {$9500.00} for check # XXXX, but refused to reimburse the {$16000.00} because my claim was more than 35 days past the date that the check posted. From the Chase side, both checks were several times larger than any check I had ever written before, the handwriting was not mine, and the out-of-state recipients had no interaction with my account in the past. There were no fraud alerts or attempts to contact me. From the the XXXX XXXX side, the fact that these were deposited into two separate fraudulent accounts in the same bank demonstrates negligently inadequate KYC controls. 

I am in disbelief that this can happen in an American banking system ... .that if you don't catch something in 35 days, that the money is gone ... that there would be no flagging or fraud alerts despite the size of the checks, the different handwriting and the likely suspicious activity on the accounts that the checks were deposited into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THIS ACCOUNT IS CLOSED AND PAID IN FULL AS OF XXXX XXXX I HAVE FILED DISPUTES AND FILED WITH CFPB. THIS INFORMATION NEEDS CORRECTED WITH THE SUPPLIED SUPPORTING DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-27 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation