vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NJ

Complaint narrative:
I noticed this company placed a collection on my credit file in XXXX of 2021 for roughly {$1300.00}. The collections was for a medical bill that I do not owe and knew nothing about. I never received a call or letter from the company concerning any debt owed. I called the company and explained that this debt is not mine in fact the debt originates from a medical facility I have never even been too. I asked the company to provide me with anything that substanciates that I owe this debt and they couldn't provide me with anything. I also sent the company a debt validation letter to demand a response and I have yet to hear back from the company. MEDICAL DATA SYSTEMS XXXX MEDICAL REVENUE SERVICE is clearly a fraudulent company and should be investigated by the proper authorities.

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 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
RELATED TO CFPB COMPLIANT XXXX AND BANK OF AMERICA - YOU BOTH ARE XXXX OR ARE BOTH ARE CORRUPT. 

THE COMPANY DID NOT RESPOND AND THE NUMBER YOU CITE BELOW DOES NOT WORK. THE RECORDING OF THE NUMBER AND EXTENSION RESULTS IN A RECORDED MESSAGE THAT INFINITELY STATES TO ENTER THE EXTENSION AND WHEN YOU ENTER XXXX IT TELLS YOU TO ENTER IT AND FINALLY IT HANGS UP ON YOU. 

The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint.

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 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
After four months of communication and different disputes with EARLY WARNING SERVICES , LLC, SUSPICIOUSLY, UNETHICALLY, AND LACK OF PROFESSIONALISM, today XX/XX/XXXX, THE CONSUMER SERVICES AGENT NAMED XXXX, told me that IT IS WRITTEN IN MY FILE THAT SINCE XX/XX/XXXX, ( WHEN I COMPLAINT TO THE CFPB THAT EARLY WARNING SERVICES , LLC HAS NOT SENT ME A XXXX BANK NOTICE OF REMOVAL LETTERS FROM MORE THAN A MONTH AGO, AND I REQUESTED EW SEND ME A CERTIFIED ENVELOPE TO BE SURE THEY ARE SENDING THE XXXX BANK LETTERS ), XXXX  HAS TO VERIFY MY IDENTITY. XXXX asked me personal information from XXXX to the present, and I answered ALL THE QUESTIONS CORRECTLY, then she told me that she was going to send me an text to my cellular with a link to be open and then to follow instructions in order to XXXX to assist me. First, I have not paid my cellular phone, and second, it looks a pretext to open a link in order to be worth to be assisted. I COMPLAINT AGAINST EARLY WARNING SERVICES FOR DISCRIMINATION BECAUSE THIS COMPANY IS TREATING ME IN A DIFFERENT WAY, IN A REVENGE WAY, AND WITH INEXCUSABLE PRETEXTS NOT TO ASSIST ME. ALSO, SINCE I AM REJECTED TO BE ASSISTED WITH SUSPICIOUS EXCUSES, I WILL BEGIN REQUESTING MY COMPLAINTS FROM THIS PAGE. TODAY I SENT TWO DIFFERENT DISPUTES : FOUR BANK OF AMERICA ACCOUNTS, AND ONE XXXX BANK. TODAY IS XX/XX/XXXX, I REQUEST EW TELLS ME WHEN THEY WILL ANSWER MY DISPUTES FROM BANK OF AMERICA FOUR ACCOUNTS, AND FROM XXXX BANK, ONE ACCOUNT. I ALSO REQUEST THE LETTERS BE SENT BY CERTIFIED MAIL. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX submitted 401k packet solidifing acct held with citibank since employment term back in XXXX By XXXXdocuments were recieved via fax to withdraw 401k ( Documents sent via fax 2xs ) ( Documents emailed XXXX xs ) As of XXXX-additional paperwrk received ( originally submitted but then advised not needed then requested then adv it was received originally but back dated to XXXX when originally sent billed for that cycle had claim been worked effentially wouldnt be outdated then being advised different things 2-3 different occasions from managers ) From XXXX to XXXX nothing has been done in regards to my request to process closure for my 401k. Citibank knows we can not go into the office there fore they are conducting a long strenuous process to make it difficult for holders to close accounts. When i called today during business hours they had my number routed to a vm indicating call back during business hours i call checking citi they transf me over i get put on hold for a rep who never returns citibank is definitely a fraud and i want to know my legal options

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 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. Experian replied saying they needed my authorization to proceed with the complaint. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 I received at Text msg asking if I transferred {$2000.00} YES or No I text back No and immediately my phone ringed popping up XXXX Under Chase Fraud Department I spoke with a man who told me someone was trying to take {$2000.00} out of my account and I needed to send it back to my self. 
I was such in a panic so I just did everything he was telling me to do. Not realizing I was actually transferring the funds to him. 

After realizing what just happened I contacted Chase immediately, I filed a claim but unfortunately Chase declined it and told me that there was nothing they can do to get my money back. I contacted the news as my next resort. 

Please let me know if there is anything else I can provide regarding this matter. 

Thank you! 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed with TransUnion to delete 2 accounts on my credit. These accounts are not mine and I also asked for proof of these accounts. TransUnion sent me a letter on XX/XX/2021 saying both account were mine, but never gave me any proof of any account. 

The first account name is from XXXX XXXX XXXX - Account number is XXXX in the amount of {$400.00}. 

The second account name is XXXX XXXX - Account number is XXXX in the account of {$2200.00}.

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 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

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

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 2021-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter, by certified mail, requesting original instrument of indebtedness in its original form to Sallie Mae which of delivered on XX/XX/2021. The letter also asked for a response back on or before XX/XX/2021 ; no response was given. On XX/XX/2021 I sent another letter via certified mail requesting the instrument of indebtedness in its original form and requesting a response on or by XX/XX/2021, which was delivered XX/XX/2021 ; no response was given. On XX/XX/2021 I sent two notarized affidavits of mailing including copies of both letters requesting the above matters which was delevered XX/XX/2021 ; requesting the original instrument of indebtedness in its original form or the matter be settled legally and financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Someone use my name while I was in federal prison, I advise the credit card company XXXX XXXX Bank and the prison sent them all paperwork to prove it was not me they said it was fraud and would have the account removed from the collection agency, low and behold the collection agency is trying to collect money from me and reporting this fraud account to my XXXX credit report for {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: CA

Complaint narrative:
I have not applied for no capital one anything, these are fraudulent inquries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
In XXXX my car was in an accident. My insurance companies paid the total balance owed on the vehicle. 

In XXXX, I was seeking financing for a new vehicle. The former finance started reporting negative information to the credit bureau, thus impacting my score.

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 2021-12-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Card Acquisitions Group
State: WA

Complaint narrative:
The company contacted me, my partner, my brother, and my aunt on XX/XX/2021. I blocked the number after advising them to stop contacting me. 

They sent an email to myself on XX/XX/2021 and claimed to be working for XXXX XXXX XXXX. They text my father and myself on XX/XX/XXXX. 2021. 

They refused to provide me a statement or verify the debt. I contacted XXXX XXXX XXXX and they advised that they no longer own the debt on XX/XX/2021. They advised me who the new owner was. 

I contacted both XXXX XXXX and Foster and Monroe to request to verify my debt and requested to be provided a statement on XX/XX/2021. They have not replied. 

On XX/XX/2021, they contacted me again by text at XXXX XXXX. My father got the same message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
See Attached Company and/or it's agent did a hard credit search that should have! 00 % told them that the debt is question was not mine, but they proceeded to place the Notice of Collection on my credit bureau files . Even the slightest due diligence investigation should have been enough.

As a result my credit score has decreased aby XXXX points. 

Although I repeatedly demanded that they remove the collection notice they have not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
The exchange credit program ( Military Star Card ) https : //www.myecp.com isn't allowing its customers to make more than one payment in a billing cycle. I have attached a screenshot of their error message when an attempt is made to make more than one payment in a billing cycle. My scheduled automatic payment is on the 12th, and I tried to make a second payment this morning, the 16th. They would not let me because they don't want their customers to make payments that wouldn't be subjected to fees and interest like the minimum monthly payment is. They aren't allowing their customers to lower their balances without penalty. Would you please look into this? This feels illegal and as if it is an unfair practice.

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 2021-12-16 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: Premium Credit Bureau
State: CA

Complaint narrative:
I have not applied for no XXXX XXXX anything, these are fraudulent inquries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: FL

Complaint narrative:
I have reached out to Equifax and requested information in which I have yet to receive a response. Equifax is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have a complaint against Ally Financial that was lodged with CFPB yesterday XX/XX/2021. 

I got a call from Ally Financial today, and it went well until the end where they were asking me for all sorts of things that were not pertinent to the situation where they put down the wrong odometer reading on my title. 

It's a mess and am VERY UPSET AND shaken. I was harassed just now by the person who called from Ally Financial. His name is XXXX XXXX. Phone number XXXX, option XXXX, option XXXX, ext. XXXX. His name is on the physical lease of my car that needs to be corrected. 

He made me very upset and I said, just fix the title. He admitted that an error was made. He started asking me all this stuff about the lien and I said if you have questions, ask the lienholder, XXXX. He refused. I said, I do not work for XXXX. I told him I am aggravated by this conversation and he needs to just fix the title. 

I DO NOT WANT TO BE CALLED BY THESE PEOPLE. It's XXXX pm CT. I will not be harassed. This is insult to injury.

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 2021-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: FL

Complaint narrative:
I have reached out to Experian and requested information in which I have yet to receive a response. Experian is in violation of my rights as a federally protected consumer.

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 2021-12-16 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:
I paid the account for this visa credit card in full on XX/XX/XXXX. The XXXX statement showed a balance of {$2300.00} with a minimum payment of {$4.00} by XX/XX/XXXX. I paid {$2300.00} on XX/XX/XXXX and {$4.00} on XX/XX/XXXX as shown on the statement. I never received any notification that there was a pending amount for any interest. Why are they charging any interest if there were no transactions? There were no minimum payments due on the following statements until XXXX of which I was never notified. I spoke to XXXX in customer service who indicated the alerts were turned off on the account and that no one had tried to contact me. I did not receive any e-mails or statements to indicate I owed anything until a letter on XX/XX/XXXX which stated I owed {$11.00} ( I dont know what for ) but I immediately called XXXX and paid and was assured the balance was XXXX. I check again on XX/XX/XXXX and it shows that I owe a balance of XXXX cents for who knows what since the account was paid-off and which I can not pay on-line. I again call and spoke to customer service and the charge was removed. However, XXXX has reported me to all three credit bureaus as being late. I was a faithful customer and never paid late. It was their fault for not sending me any notification and truthfully, what are they charging me if I paid the account in full, this is a scam against veterans trying to collect interest. I was trying to refinance my home and get a VA loan, but because of this account was denied as my credit score has dropped dramatically. I work very hard to ensure my credit rating is excellent. I pay all my credit cards on time which you can check, and I have never paid this card late. I want my consumer report fixed as this was not my fault but the negligence of XXXX for not alerting the customer of these bogus interest fee charges.

Company response to consumer: Closed with explanation