vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
On XXXX XXXX, at approximately XXXX XXXX  ( advised I may be recorded ) I contacted XXXX XXXX Collection agency at XXXX and XXXX, in reference to come to terms with a possible debt from an original creditor to wit " XXXX XXXX. '' I spoke to a " XXXX '' and a person who identified herself as " XXXX '' who informed me she was not obligated to provide me with her last name. Both XXXX and XXXX reported I owed {$3300.00} and also {$94.00} which is an amount greater than that recorded by XXXX XXXX records. When I explained to both XXXX and XXXX my financial circumstances and if they could possible offer some type of settlement amount they both stated " XXXX XXXX does not allow us to reduce the amount owed. '' I therefore, contacted XXXX XXXX and spoke to a " XXXX '' and also a " XXXX '' who reported the above statement is inaccurate and that XXXX XXXX has nothing to do with the amount owed with regard to payment thereof. I subsequently again contacted XXXX  XXXX and again spoke to XXXX, I requested to speak to the " Supervisor '' XXXX and XXXX reported that XXXX had gone home for the day and they did not have a Supervisor on site for me to communicate with. XXXX reported the Supervisor will not be available until XXXX XXXX the following morning. With respect to the above comments, I feel XXXX is in direct violation of XXXX XXXX - Operation without a Manager and XXXX XXXX Section 1 and Section 2, Subsections ( a ) ( b ) - Prohibited practices.

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 2021-07-19 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: NJ

Complaint narrative:
I AM A VICTIM OF FRAUD, IDENTITY THEFT, and or BOTH and I HAVE IDENTITIFIED these ACCOUNT and its derogatoriness as being associated with the mentioned unfair circumstance. As is my consumer right to do so, I here now DEMAND BLOCKAGE of this claims reporting and additionally demand ERADICATION of claims debt ( s ), if any, should the alleged data furnisher fail to timely and adequately validate the claim in whole in writ document form undoubtable. I FURTHER DEMAND that any associated events and or accounts and or reported data be as well fully eradicate and permanently so. FRAUDULENT events OR those resulting from identity theft can NOT be adequately compliant in its report-ability NOR its adequate ethical collectability and the DEMAND is that either is to cease immediately and permanently. ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. 
XX/XX/XXXX, XXXX, XXXX HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) XX/XX/XXXX XXXX XXXX Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences ** ** 18 U.S. Code 241.Conspiracy against rights : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States , or because of his having so exercised the same ; They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated sexual abuse or an attempt to commit aggravated sexual abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. ( XX/XX/XXXX, Ch. 645, 62 Stat. 696 ; Pub. L. 90284, title I, 103 ( a ), Apr. 11, 1968, 82 Stat. 75 ; Pub. L. 100690, title VII, 7018 ( a ), ( b ) ( 1 ), Nov. 18, 1988, 102 Stat. 4396 ; Pub. L. 103322, title VI, 60006 ( a ), title XXXII, 320103 ( a ), 320201 ( a ), title XXXIII, 330016 ( 1 ) ( L ), Sept. 13, 1994, 108 Stat. 1970, 2109, 2113, 2147 ; Pub. L. 104294, title VI, 604 ( b ) ( 14 ) ( A ), 607 ( a ), Oct. 11, 1996, 110 Stat. 3507, 3511. ) **

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 2021-07-19 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: NJ

Complaint narrative:
I AM A VICTIM OF FRAUD, IDENTITY THEFT, and or BOTH and I HAVE IDENTITIFIED these ACCOUNT and its derogatoriness as being associated with the mentioned unfair circumstance. As is my consumer right to do so, I here now DEMAND BLOCKAGE of this claims reporting and additionally demand ERADICATION of claims debt ( s ), if any, should the alleged data furnisher fail to timely and adequately validate the claim in whole in writ document form undoubtable. I FURTHER DEMAND that any associated events and or accounts and or reported data be as well fully eradicate and permanently so. FRAUDULENT events OR those resulting from identity theft can NOT be adequately compliant in its report-ability NOR its adequate ethical collectability and the DEMAND is that either is to cease immediately and permanently. ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49.

JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ** ** Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences ** ** 18 U.S. Code 241.Conspiracy against rights : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States , or because of his having so exercised the same ; They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated sexual abuse or an attempt to commit aggravated sexual abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. ( June 25, 1948, Ch. 645, 62 Stat. 696 ; Pub. L. 90284, title I, 103 ( a ), Apr. 11, 1968, 82 Stat. 75 ; Pub. L. 100690, title VII, 7018 ( a ), ( b ) ( 1 ), Nov. 18, 1988, 102 Stat. 4396 ; Pub. L. 103322, title VI, 60006 ( a ), title XXXII, 320103 ( a ), 320201 ( a ), title XXXIII, 330016 ( 1 ) ( L ), Sept. 13, 1994, 108 Stat. 1970, 2109, 2113, 2147 ; Pub. L. 104294, title VI, 604 ( b ) ( 14 ) ( A ), 607 ( a ), Oct. 11, 1996, 110 Stat. 3507, 3511. ) **

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: NC

Complaint narrative:
Experian has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Experian because my character has been defamed. I demand that these accounts below be removed immediately.

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 2021-07-20 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: CA

Complaint narrative:
According to FCRA 15 U.S.C. 1681a, Section 2B, Exclusions, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device must be excluded from my consumer reports. 

XXXX XXXX is reporting a charged-off line of credit with a balance to my Experian consumer report. This is making it difficult for me to qualify for the necessary financing that I need. Experian reached out to XXXX XXXX and XXXX XXXX verified the account. 

However, according to FCRA 15 U.S.C. 1681a, Section E, the " investigative consumer report '' shall not include specific factual information on a consumer 's credit record that is obtained directly from a creditor of the consumer. 

Because of this, I demand that this item is deleted immediately from my Experian consumer report, or I will file for litigation due to the stress that I have endured.

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 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
1-Improper notification of transfer of loan when transferred from XXXX XXXX to Shellpoint as servicer for new owner-caused us to get behind on payments because new payment address was not given ; XXXX XXXX excepted 2 payments and forwarded to Shellpoint, but payments beyond 3 were not forwarded ; XXXX XXXX informed us of the transfer, but Shellpoint did not notify us in the required time 2-Shellpoint sent notices dated with post-marks/meter stamps a week or more after notice date ; we received a notice today, XX/XX/XXXX, dated XX/XX/XXXX 3-Inconsistent application of payments and statements ; In XXXX, a payment was sent for approximately {$1200.00} matching the amount on a recent statement ; the next statement had a balance around {$1100.00} ; 3-it is difficult to understand the activity on the Shellpoint website ; when the previously mentioned {$1200.00} payment was broken up and an additional approximate {$270.00} was applied to the principal ; it was difficult to confirm that a payment was not received for XX/XX/XXXX 4-After a period of unemployment and under employment in early XXXX, we went through Consumer Credit Counseling and qualified for a HEMAP Loan with the PHFA ; we paid the HEMAP Loan off and continued to monitor our credit ; we are in the process of refinancing this mortgage after increasing my credit to a level that would allow for refinancing 5-On a recent inquiry, we learned that Capital One owns New Rez which owns Shellpoint, which probably should have been worthy of notification ; at first, we thought XXXX  XXXX was the owner, but, on another inquiry, another firm was listed as the owner ; no notification of a transfer and the inquiry is still pending 6-The payment due showing on the Shellpoint website was paid today, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a member of Navy Federal Credit Union and have been for 10 years. A member transferred money into my account and reverse the money. Navy states that I was the one who initiated the transfer and I gave the member my access number she did not provide me with hers. They are closing my account. I have several accounts with navy and I want to resume my business relationship with navy. They stated they have a voice recognition but did not provide me the evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
card reinstatement however, for that we assess a {$25.00} reinstatement fee for all Consumer and Business products that qualify for reinstatement ( approved ) from a derogatory status. 
XXXX - XXXX XXXX  I am not sure what that means American express ... processed an auto draft Instead of drafting the min.balance they drafted below the minimum and accessed a {$40.00} late fee. I thought that was unfair ..because they often write and tell me with my low balances they won't accept any auto payment ... XXXX account ending in XXXX .... They adjust the payment all the time ... except when it is to their advantage ... American Express ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Multiple calls daily since XX/XX/2021. Ive even sent an certified letter to them to stop calling me and theyre still calling!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
After thinking this issue was solved because Synchrony Bank sent me a letter stating that after their investigation they will remove the account off of all three consumer reports on XXXX XXXX. The account came off TransUnion but another one popped up on all three bureau with a different account number. After talking to the credit bureaus I was told that say that Synchrony Bank stated that they had been reporting wrong information such as account number, date opened and past due payments and now they are sure that is my account. I have asked for supporting documents to validate this change because I am certain this is false information also and neither Credit Bureau has answered me or produce any supporting documents. I would like to know how all of a sudden all the information about account was able to change just be accepted after disputing this multiply time and it keep coming back validated. This account started reporting back in XXXX and I have not received anything in the mail from the credit Bureau or Synchrony stated that this would even be placed on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I have a confirmation from Wells Fargo stating my auto-payment would be withdrawn from my checking account on XX/XX/XXXX. The auto-draft did not occur and Wells Fargo charged me a late fee and reported me late to the credit bureau. Then I got a late notice so I paid the XX/XX/XXXX payment, late fee, and the XX/XX/XXXX payment from my checking account on XX/XX/XXXX. Then Wells Fargo auto-drafted my account for the XX/XX/XXXX payment that was due and applied it to the XX/XX/XXXX due date. I filed a complaint on XX/XX/XXXX with Wells Fargo and received an acknowledgment. Then I called to check on the status of my complaint. I spoke to XXXX XXXX at XXXX ext. XXXX. I told her I had confirmation from Wells Fargo that the XX/XX/XXXX payment would be auto-drafted from my checking account ; XXXX confirmed she saw the same confirmation and would resolve it. I asked for the resolution to be sent in writing. I still have not received any resolution as of XXXX. My Wells Fargo complaint number is 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 2021-07-19 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I received a letter regarding the poa request for Mrs. XXXX. The letter notes XXXX. The poa request related to a like of credit and NOT XXXX. I am concerned about this and why the company is so incompetent with handling matters. 

Thanks, Cc : consumer financial protection

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 2021-07-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/2021 I received an email " stating Important Message from XXXX  DEBIT CARD : Dear User, this is to inform thatn your XXXX Debit card has been restricted. To get the restriction lifted, kindly verify at XXXX XXXX  XXXX. So I clicked on the email address, it looked like a Bank of America web site. But it asked me for my account number and password. I thought something was wrong because I don't have a B of A account. So I immediately closed the web sit page. I did reply to this email and stated I don't have an account with B of A. they never responded to my email. Then on XX/XX/2021 I went to purchase some gas. I used my XXXX  DEBIT CARD. it was declined. I knew something was wrong so I called customer service at XXXX and spoke with someone regarding my card being declined. I was told my account had a XXXX  balance. I explained to the rep. that something was wrong because I should have had {$520.00} in my account. I'm on XXXX XXXX. So I told the rep. that I would call back once I reached home, so I could tell them exactly when and how funds were deposited into my XXXX account. When I called back XXXX I explained to the rep. about the email I had received on XX/XX/2021 she stated that the email was a fraudulent email and that they had been receiving numerous calls about the same thing. I explained to her that I didn't give any of my personal information out. So she closed my card associated with the fraud. And reissued me another card. So the rep. explained that there were numerous charges on my card to XXXX. the crooks used all my funds and left me with {$15.00}. So the rep. advised me to wait and call back to Customer Service XXXX on XXXX and file a complaint and dispute all the charges made to XXXX. So I filed a fraud dispute claim on XXXX. I'm supposed to hear from B of A within 10 days. As of XXXX I haven't heard from B of A.. I'm on XXXX XXXX and I have to pay my bills. I feel like Bank of America should have given me my funds back through what they have called " Provisional Credit ' they can continue to dispute the fraudulent charges claim. I'm so disappointed with Bank of America for handling my situation this way. I'm going to contact XXXX as well. Can someone please help me get my money back.

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 monetary relief
Consumer complaint received 2021-07-19 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: NY

Complaint narrative:
Date : XX/XX/2017 Amount : {$38000.00} Action Taken : For the 4th time, I asked for a description of proper reinvestigation of the procedure used to determine the accuracy and completeness of the information.

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 2021-07-19 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XXXX  XXXX ). ( XXXX XXXX XXXX  XXXX ). ( XXXX XXXX XXXX  XXXX ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation