vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
XXXX is reporting on my reporting and I looked it up to determine that the company is Allied Collection Services , Inc. With that said they do not have a collection license to collect in the State of Florida and need to Cease and Desist all collection activities on my report immediately. Also its interesting that the XXXX and XXXX are Verifying this debt continually and ignoring me asking for the method of verification. This is also a violation of the FCRA as they are willfully and knowingly breaking

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Investigation took more than 30 days
Company: Stellantis Financial Services US Corp.
State: AZ

Complaint narrative:
I CONTACTED XXXX, XXXX, AND XXXX - CREDITOR NAME IS FIRST INV SERVICING CORP, SENT ID THEFT REPORT, POLICE REPORT, PROOF OF IDENTITY AS YOU CAN SEE ATTACHED THIS WAS REMOVED/DELETED FROM MY XXXX AND OTHER REPORTS XX/XX/2022, NOW IN XX/XX/2022 THIS ITEM IS BACK ON MY CREDIT REPORT THIS IS FRAUD AND IDENTITY THEFT, PURSUANT TO SECTION 605B OF THE FIR CREDIT REPORTING ACT HOW CAN THIS HAPPEN IVE ALREADY SENT ALL DOCUMENTATION PROVING IM A VICTIM OF IDENTITY THEFT, HOW RE YOU REINVESTIGATING SOMETHING ALREADY BLOCKED AND REMOVED DUE TO IDENTITY THEFT?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I am disputing an unpaid collection of {$880.00} on behalf of XXXX. The company that is charged to collecting the debt is Convergent Outsourcing last reported XX/XX/XXXX. The debt is showing on my credit report and the debt has been duplicated with another agency as well reporting to the credit bureau on XX/XX/XXXX. XXXX XX/XX/XXXX I made successful payment arrangements with XXXX XXXX the other agency also charged with settling the unpaid collection of {$1600.00} on behalf of XXXX to resolve the debt. I have only XXXX with XXXX. The account was opened in XXXX to XXXX. I do not understand why this collection is showing on my credit report from XXXX companies, different account balances, and both companies representing XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: VA

Complaint narrative:
First they lock my save and spend accounts and provide no reason why they did so. 
Then they demanded a copy of my most recent bank statement and copies of my drivers license. The license made sense but my bank statement? The way it had to be transferred to them does not seem secure but I begrudgingly did it in the hope I could get access to my own money again. That didn't work even though I was told that was all they needed. They then wanted additional IDs and for me to send photos of myself which seems really freaky. 

After going back and forth with this over a couple weeks I finally demanded they close my account and refund. I had to demand this several times over the phone and email and they continued to ignore me. 

I finally broke down and submitted a XXXX  complaint demanding they close the account and refund my money to my primary bank which was linked to my save account. Within a few hours I received a bubbly email letting me know that they were responding to my request and closing my account, they would then electronically deposit my funds back into my account. 

After several days I contacted them yet again to find out where my money was only to find out that instead of transferring the money back into my main account, as they promised, they mailed a check. 

The check never arrived at my home. 

Finally after several calls to their customer 'service ' department we find out that they mailed the check to an old address that isn't even on our account and hasn't been since XXXX of this year. 

The customer 'service ' representative begrudgingly agreed to send us another refund check this time to the correct address but adamantly refuses to expedite it in any way. Unfortunately that check was not received either. 

There are so many of us talking on social media about having these exact issues with this corrupt company that I'm shocked they are still in business. I know they have lost multiple class action lawsuits for their fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX  account at XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX total XXXX has violated my rights. 15 u.s.c 1681 section 602A states I have the right to privacy. 15 u.s.c 1681 section 604A section 2 it also States a consumer reporting agency can not furnish a account without my written instructions I did not give no one on my credit report running instructions to put it on there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I contacted my bank BMO Harris regarding multiple charges on my account that were from from XXXX XXXX which was a total of 4 transactions. I explained to BMO Harris that I attempted to contact the merchant XXXX XXXX to advise them of the fraud charges but they refused to help me and asked me to show them proof that the charges were in fact fraud, which I explained to them I have no way of proving other than explaining I did not make nor authorize the transactions. The merchant continued to refuse to assist me with the fraud charges and getting my money back. 

While on the phone with BMO Harris I explained the above and advised them of the fraud transactions and that I did not make, I did not authorize those transactions nor sign for any of these charges. I received a letter via email that my claims department advising my claim was denied due to proof the merchant sent in. I contacted BMO Harris to inquire what info the merchant could have provided that indicated the charges were valid. The representatives explained the merchant sent them pictures of that the deliveries were made and placed in front of a door. I asked what the door looked like and what the picture looked like and what was explained was not what is in front of my home nor is what is described to be my home and I explained this is not my house. BMO Harris refuses to communicate with me to verify the pictures, send me evidence of the pictures and wants to hold me responsible for fraud charges I DID NOT Make. I am filing this complaint because they are failing to give me money back and able to prove that these charges are in fact valid and delivered to my home address that is on file with them and on my Drivers License. I have provided some attachments below. I am requesting assistance in obtaining my money back from BMO Harris Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to update my credit report with the correct information. I am a victim of identity theft and did not make the charges on my credit report. to protect my account I included the dates, amounts an actions listed in the file. all creditors listed are responsible for updating my file. thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 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: FL

Complaint narrative:
I sent in a complaint about some items I disputed on my credit report and the credit bureau responded saying two of the items were removed in XXXX of XXXX. If those items were removed in XXXX of XXXX why is the items still being reported on my credit report as of XX/XX/XXXX. I sent yall the most recent report to prove it and their response is those items are removed. How is it possible for me or anyone who pulls my credit report see it if its been removed. These credit bureaus do nothing but stall us consumers and respond to us as accurate is wrong and unlawful

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: FL

Complaint narrative:
Equifax is reporting the following inquires that are not authorized by me. I contact the companies and they told me to contact Equifax. Equifax stated I have to file a report with you. 

The following inquires are not authorized : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Vehicle loan or lease — Loan
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: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
Bridgecrest XXXX loan account number XXXX was paid off on XX/XX/2022. Three times payments on XX/XX/2022 for pay off. Payment confirmation numbers XXXX, XXXX and XXXX. Everything paid off, bridgecrest cheated US Consumer Financial Protection Bureau and client XXXX XXXX who has waited notarized Lien release letter, Bridgecrest provided non-notarized lien letter which is not valid at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX. Office staff of XXXX : XXXX XXXX XXXX wants them electronically release lien but they dont cooperate with government agency and they dont pick up phone call. 
We filed a grievance to consumer protection bureau. We will make a note in the system. 

If bridgecrest doesnt cooperate with consumer protection agency XXXX congressional investigation will initiate right away. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Genesis FS Card Services has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any non-affiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 
Genesis FS Card Services is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat, duress, and coercion. This fraudulently furnished negative information violates XXXX, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. 
I hereby dis-affirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and Genesis FS Card Services XXXX This account is a billing error. Please provide me with documentary evidence of the obligor 's indebtedness. 
As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 
Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. Genesis FS Card Services, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
fraudulant/scam activity through wire transfers without my acklowdgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Uplift, Inc
State: NY

Complaint narrative:
The company refused to remove the other traveler 's payment when they could not attend the trip. They can see on their end that only one traveler checked into the airport and one person into the resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am a victim of ID Theft. I never had a account with XXXX or YOU. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

The letter you sent was to a address I never lived at before. It was addressed to a California address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 non-monetary relief
Consumer complaint received 2022-09-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 non-monetary relief