vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
This company ( Medicredit Inc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood  Woman with my XXXX Given name ( XXXX XXXX : house XXXX XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )

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 2019-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Midwest Recovery Systems
State: MO

Complaint narrative:
This company ( Midwest Recovery systems ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. 


Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : house of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX at XXXX I applied for an XXXX Card and didnt get accepted due to the fact that they couldnt verify my identity. Im not sure what that means or how I can fix it but all my information is correct. I have good credit. I tried fixing information to see if I got it wrong re doing the application got me denied for applying too many times. Not sure what I can do now. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my TransUnion credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service stating that a request for my TransUnion credit report had also been made by XXXX XXXX XXXXWH XXXX XXXX XXXX XXXX XXXX MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. 

On XX/XX/XXXX and XXXX, XX/XX/2019, respectively, I received letters from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''

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 2019-10-30 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: CarMax, Inc.
State: LA

Complaint narrative:
This company CarMax has placed a debt on my XXXX report in the amount of {$7200.00} that was removed from the other two reports as it couldnt be validated. I also proved that I had no knowledge of the account. It is also passed the statue of limitations of seven years. I would like for it to be removed promptly from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase is claiming that the previous servicer of my account, XXXX, purchased an insurance policy on my account because they were unable to verify proof of insurance. The letter Chase provided to me as proof that a request for proof of insurance was requested was sent to an address we have not used in 2 years. I have received correspondence from from both Chase and XXXX at the correct address during the time period that the aforementioned letter was sent. 

Chase continues to add fees to my account despite the fact that the amounts due are in dispute. 

By Chases own admission I should owe {$330.00} from XX/XX/2019. The latest statement I received dated XX/XX/2019 shows a balance due of {$690.00}. My normal payment is {$150.00}. This amount is far in excess of what they claim I owe. 

Fees have been added to my account systematically for an extended period of time for no reason. XXXX the previous servicer has been adding fees to my account with no justification. 

I have requested from Chase proof of the insurance that they claim was purchased to include the policy and a canceled check for the purchase. 

I have requested from Chase an explanation for why they were able to send me statements and notifications of change of servicing to the correct address but did not send a request for proof of insurance to the correct address. 

I have requested from Chase copies of all correspondence sent to me in regards to this account for the last 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and Exeter Finance Corp ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service stating that a request for my XXXX credit report had also been made by XXXX XXXX XXXXWH XXXX XXXX XXXX XXXX XXXX MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. 

On XX/XX/XXXX and XXXX, XX/XX/2019 respectively, I received letters from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: FL

Complaint narrative:
On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), Capital One Auto Finance ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service stating that a request for my XXXX credit report had also been made by XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX , MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. 

On XX/XX/XXXX and XXXX, XX/XX/2019, respectively, I received letters from XXXX XXXX XXXX and Capital One Auto Finance indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from Capital One Auto Finance stated that " the only addition to your credit report will be an inquiry from us. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service that a request for my TXXXX credit report had also been made by XXXX XXXX XXXXT-WH XXXX XXXX XXXX XXXX , MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. On XX/XX/XXXX and XXXX,XX/XX/2019, respectively, I received letters from XXXX XXXX XXXX ( XXXX XXXX and LexisNexis Risk Solutions ) and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
NMAC Charging adding additional fees to final payment amount. I used to get montly bill for payment XXXX $ they charged XXXX $ and while i'm trying to purchase vehicle and called customer service around XX/XX/2019 got pay off quote for XXXX $ and customer service agent said that I need to pay any extra amount as my lease is ending on XX/XX/XXXX and I have Grace period of 10 days till XX/XX/2019 with out any extra fees I can return or purchase the vehicle. On XX/XX/2019 when dealer got pay off quote for purchase they increased to XXXX $ and says the previous quote is valid till XX/XX/XXXX. After talking to customer rep XXXX she says it is extra taxes and she disconnected my call and I called and connected to XXXX and he says it is interest rate charged for next month. He tries to argue I need to pay extra amount they can't do anything. Every representative gives different prespective for extra charged amount. They are fishy and they don't stand on words they speak on phone. Each representative has different context on extra billed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: ID Analytics, Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my XXXX credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service that a request for my XXXX  credit report had also been made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. On XX/XX/XXXX and XXXX, 2019, respectively, I received letters from XXXX XXXX XXXX ( SageStream LLC and XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I had a payment of XXXX due on XX/XX/2019. I submitted my payment from an XXXX educational award on XX/XX/2019. It took XXXXwo days to process and shows my payment was accepted by the institution ( Nelnet ) on XX/XX/2019 at XXXX. However, it is now XX/XX/2019. Nelnet continues to refuse to update my account to reflect the payment they received 5 business days ago. Now my account is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
Collection agency making harassing phone calls to my fathers home about debt I owed, I don't live at his house and have not lived there in 12 years. He sent a letter stating this and they are now sending letters in his name saying I owe this money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
XX/XX/19 i was looking at loans and reading terms quicker than normal to see how long it takes. For me to mkve on i had to sign. I signed and ended it the next day money was in my account i emailed them after i sogned that i dodnt want the loan it was a mistake. I paid all the money back same day it came onto my account and talking to them i still owe XXXX in interest. Though it was all done in a day. They refuse to talk to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In large print PayPal Credit offered " No Interest if paid in full in 6 months ", but on about the second month statement closing date XX/XX/19 I am charged {$34.00} interest. I called and spoke to a manager and I am told in the fine print of Terms and Conditions that I am not qualified for interest deduction. 
The manager said PayPal will notify you with a warning before you make a purchase but I told them I received no warning. 
I checked the Terms and Conditions, the only qualifying criteria I could see was it had to be a purchase of over {$99.00} I told the manager that this was deceptive advertising, but she didnt care.

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 2019-10-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hello, I am concerned about the validity and accuracy of Experian 's recent investigation of Department of Education XXXX accounts, that are reporting on my credit report. On XX/XX/2019 I requested an investigation because I felt items on my report were not being reported legally.I received a letter stating that their investigation complete. 

My initial dispute was detailed and directly related to the account ( s ) in question. 

Department of Education/XXXX was not able to validate any information after I sent a certified letter to them. See enclosure of copy of letter and certified mail receipt to the creditor. 

Experian stated that everthing was verified but showed no evidence of this after I asked them to supply the information. This account was deleted from my account and are not reporting to the other CRA because valid validation and verification did not take place.

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 2019-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am a PayPal account holder. On XX/XX/2019, PayPal allowed XXXX to put a take money not only from my paypal account, but they authorized payment from my credit card. They took it upon themself to act as an escrow, without any investigation, proof that they could go ahead and do so, nor offering any explanation and assistance. Instead of waiting for proof of me recieving my item, or at least having proof of a tracking number regarding the item in question. 

Since this is something that PayPal seems to engage for years now, while lobbying and being protected, potentially commiting wire fraud, it should not be based on who knows whom, but based on our laws and regualation. We are still a country that is not made up complitely of wild west. 

PayPal is not a joing member on my credit card to authorize money in my name whenever they feel like it. Furthermore, I would like to know if they are an escrow, as their business practices are rather questionable form every perspective.

Company response to consumer: Closed with explanation