vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
USAA FEDERAL SAVINGS Bank reporting to the 3 credit bureaus as a derogatory mark on there I aske that this be remove balance of {$20000.00} is a negative report on my credit reports AND HAVE SENT SEVERAL LETTERS TO AGENCY ALL COME BACK RETURN TO SENDER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a credit balance on my card of over {$9000.00}. I requested the funds be returned to me over a week ago. I was told 3-5 business days. After that time passed, I called and was told it could be up to 2 weeks. No one will tell me what the hold up is and when I will be getting my money. I have never been late with a payment and pay my account in full every month.

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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Regarding Bankruptcy on transunion report. According to XXXX XXXX the account wasn't able to be verified.

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 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
False information was submitted to collection agency of failed payment and items left facility was closed this was in beginning of pandemic know evidence that items trashed was mine my name was not attached to it also XXXX rent was satisfied and received by XXXX the original apartment walk through paperwork indicates all wrong with unit upon moving in please provide management turnover from time I originally moved in

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Hi XXXX  XXXX ; National Recovery Agency ; I'm really sad, confused and stressed, and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-07-07 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: NJ

Complaint narrative:
I disputed a XXXX account with the credit bureaus for incorrect information on my credit report. I disputed inconsistencies over seven times and my credit report still does not match. On XX/XX/XXXX, I disputed the " dates of last activity '' because the dates do not match. On XX/XX/XXXX, again I disputed the " dates of last activity '' because they did not match. On XX/XX/XXXX, I disputed the " dates of last payment '' because they did not match. On XX/XX/XXXX, I sent a letter to XXXX to investigate the account, which they did not complete the investigation. On XX/XX/XXXX, I sent a violation letter to the credit bureaus for continuing to report on a closed account and failure to investigate. I would like this account immediately deleted for refusing to correct the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
This information is not being reported to the Credit Bureaus properly. This account is paid in full, but on my credit report, it shows I still have a balance. Attached is a receipt of my payment. Please correct this ASAP.

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 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2021, I pulled my credit reports to check my scores. When I pulled my report I noticed fraudulent accounts and inquiries on my reports that I did NOT authorize or know anything about.

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 2021-07-07 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: CORELOGIC INC
State: WA

Complaint narrative:
I received an inquiry on XX/XX/2021 stating that there has been an inquiry for a mortgage. I just refinanced my home last month & don't recognize this inquiry for anything. I tried to call XXXX XXXX, XXXX  on Credco, nothing!!!

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 2021-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SunTx Capital Partners
State: LA

Complaint narrative:
I do not know how they sold an 18 wheeler for {$5000.00} and resold the semi-truck at a higher value ; this truck has been nothing but a problem due to the truck being flooded and had electrical issues. I had requested a settlement payment to resolve the truck issues but was denied, and we worked out a deal in exchange for the location of the semi-truck. 

I had advised the company to do a volunteer repossession 2 years ago, and they are still reporting inaccurate information on the credit report and requesting a full loan balance. 

I want Freedom Truck Finance to stop reporting 120 days late on a repossession vehicle in which the debt had been settled and stop sending payment requests in which this was a volunteer agreement.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is unavailable to discuss dispute of credit score. I received an email giving me excuses why their credit report reflects a score 50 points lower than other credit reporting agencies. Experian claimed their reporting is similar methods are similar to XXXX  and XXXX. My scores with XXXX  and XXXX  are reporting scores significantly higher than Experian. My other scores keep going up and my Experian score went down 20 points in one month with the same account information as the other two agencies. Experian continually advertises for me to pay to boost my score, lock my account, and any other service that i may want to raise my score. I believe this is unethical business practices and coercion for money. This costs me money in more ways than one. Im supposed to accept this from a company that doesnt secure my information from cyber attacks. Experian is releasing incorrect information to lenders that impacts my interest rates and subsequently the money I pay for loans. I feel this is unfair and criminal.

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This company is stating that I owe them a debt which I don't and reporting my personal information to the consumer reporting agencies without my consent. They are violating my consumer protection laws and I am very upset. Pursuant to 18 USC 8 after 1933, the government agreed to assume ALL liabilities that arise under transactions using the credit card which is my social security card. Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.

I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I purchased glasses from XXXX XXXX  on XX/XX/XXXX for {$89.00}. When the glasses were received, they were not made correctly or made to the wrong prescription. I could not see out of them and they were blurry. I contacted the company and provided another copy of prescription and they verified that was what they had. They instructed me to send them the glasses to see if they were made correctly. I sent them and received conformation that they were received. Several weeks later, the company insisted that they were made correctly and would not refund my money. I opened a dispute with American Express. They ruled in my favor three times and then changed their mind three times. The last time, they sent an email stating I would have to pay but when I called, the agent told me the email was incorrect and I did not have to pay. Several weeks later, the charge was again placed on my card. When I called again, this time I was told that because I ordered them, it was not fraud and there was nothing they could do because that was the company 's policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX To Whom it may Concern : This is this complaint is submitted Under FRCA 609 OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. This account is not accurate XXXX XXXX XXXX # XXXX error please delete under FCRA 609, 623,611.

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 2021-07-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX To Whom it may Concern : This is this complaint is submitted Under FRCA 609 OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. This account is not accurate XXXX XXXX XXXX # XXXX error please delete under FCRA 609, 623,611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. I sent them letters on XX/XX/2021 and again on XX/XX/XXXX and have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NC

Complaint narrative:
Wells Fargo supplied me with numerous different statements starting in XXXXAttached are those statements, with varying amount requests to bring account to current. 

Not once out of any of my complaints did XXXX, an Executive Resolution Specialist for Wells Fargo Auto verify payment or debt. Was the amount every other week {$2900.00} and {$1700.00} at 13.14 % = {$10.00}, XXXX + {$9.00} daily interest = {$45.00}, XXXX or pay {$28.00}, XXXX. So my payments were not ever going to principal, and I was charged a daily and varying interest on top of a {$13.00}. 

I was told someone would get back to me in late XXXX to verify what amount to pay Attached is Mr. XXXX response from XX/XX/2021, who said he would need more time researching, would follow-up with a reply XX/XX/XXXX, XXXX received a response that I was 120 days late after no follow-up, verification how much to pay, or get my account back on track. 

. 

Zero Wells Fargo Auto representatives verified how much to pay or followed up. 

Only aggressive scare tactics, misleading statements, calls, emails, correspondences trying to force me to pay $ XXXX up until XXXX, calls stopped mid-way through.

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 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
We opened an account with Square. Accepted the payment from a customer {$3600.00}. A customer is a brick-and-mortar business ( XXXX XXXX ) located in California. They paid via ACH through their account with XXXX XXXX. Nothing shade or suspicious, right? That's what we thought. We were wrong. Promptly, Square put the account under " investigation '' refusing to either release the money ( move it to our checking account ) or, at least, refund it back to the customer. It's been weeks and weeks. No way to reach Square - except chat with their bot or send an email. After we complained on social medica about their predatory behavior, Square closed our account ... while still holding the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
I received a call from Dynamic Recovery Solutions. The companys URL is XXXX XXXX XXXX and their phone number is XXXX XXXX XXXX XXXX. I dont have any hospital, collections, or past due student debt. Can you help with this?

Company response to consumer: Closed with non-monetary relief