vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
Hey XXXX ; EOS CCA : Happy XXXX XXXX I'm demanding a true validation on this alleged account. Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the The date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient.. I have told NavientXXXX In the past years that I have been set up with a Fraud Loan And that the fake XXXX that the money was given to.. XXXX XXXX XXXX was a fake school ... that was later shut down by the Federal Goverment..I have tried to tell them that i could not pay for the Loan at the time they gave it to me... And should have never been approved ..but still they call me all the time. leaving messages ..And when i call them to try to find out what I can do to fix this They try to put me under more Debt.. with bad .interest rates..and there Loan Program..I need help to try to deal with this ..They Navient are saying that i dont qualify for the Forgiveness Program ..Then who does..?? I was tricked by Navient into this Loan..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: United PanAm Financial Corp.
State: NY

Complaint narrative:
This correspondence is in regard to the application submitted by XXXX XXXX XXXX  and decisioned on XX/XX/2021 by UNITED AUTO CREDIT which an adverse action letter was received on XX/XX/2021. My social security card is a credit card and use of it without benefit to me is a violation. UNITED AUTO CREDIT is dangerously close to malfeasance. The adverse action offer is here by rejected, credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242. It is FACT, this complaint will serve as notice to correct all records regarding XXXX XXXX XXXX. It is FACT that UNITED AUTO CREDIT is engaged in trust actions and has fiduciary duties to uphold. I am willing to overlook the error if ALL records are corrected. Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
Ive had Goldman Sachs Apple credit card for a while. It advertised that customer is able to see the card in wallet and pay for purchases, as well as view transactions and make payments through the wallet. Last week my apple email which was also Apple ID was compromised as well as password. Apple worked with me to switch over to new email = Apple ID. Goldman Sachs told me that I cant change the email and the only option is to close the credit card and apply for new one as this is their policy. 

Also they will not mail me statements, I cant see my account in my wallet, I cant log in to compromised Apple ID and email. I cant view my transactions, I cant make payments, and they will not provide my real credit card number as the apple credit card has no numbers engraved on the actual card. 

I dont want to close my account and hurt my credit, I cant re apply as i owe the balance and their policy states that I have to pay off the balance before even applying. 

Please help me to have them update my email address and give me ability to see the credit card in my wallet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Macy 's Account Account balance {$1700.00} Acct # : XXXX ( only have last four # ) In XXXX, I enrolled with XXXX XXXX XXXX XXXX XXXX  ) to consolidate and pay off all my delinquent accounts. XXXX tried on numerous occasion to contact Macys on my behalf, my account was not located per Macy 's, so XXXX dropped Macy 's off the program. I graduated from the program in XXXX, my credit has built up and in the process of buying a home. However, I was advised by the lender on XX/XX/XXXX that on XX/XX/XXXX, XXXX put {$1700.00} on my credit report. 

I contacted Macy 's XX/XX/XXXX to see how best they could assist me. I was advised by the representative that its an old account of 7 years and they can not make any negotiation at this point. All that's required from me at this point was to pay the amount in full and mail check/money order to there AZ office XXXX 

I think this is very unfair to consumers, because this account has reached its statute of limitation and several attempts was made to settle this account. Macys need to do a better job in training their out sourced staff, because if took a very very long wait and patience to get this 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 2022-01-20 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 DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: AXOS FINANCIAL, INC.
State: IL

Complaint narrative:
I recently obtained a copy of my XXXX credit report and found some unauthorized inquiries by Axos Bank listed. I reached out to XXXX to have them removed. I was instructed by a representative to contact Axos Bank and have them send me a letter that authorizes XXXX to delete the inquiries. I contacted Axos Bank and was told they can not issue me a letter because I am not it their system as a customer. I was then transferred several times and hung up on twice. I called back and finally a representative was able to, at least give me an email address to submit my complaint. I am in the process of purchasing a home and these inqiries are hurting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In the past 6 months Bank of America have charged me over {$1500.00} in over draft fees. This has never happened before because, for the first time in my life, I became unemployed in the last two years and have struggled with managing money and now Im starting to realize how much they prey upon people having money problemsthey certainly never bothered me when I had a six figure salary. 

These fees have been triggered by delays in notifying me of low funds, weird time zone rules attached to different accounts that were opened in different time zones (!? ) all the way down to them charging me overdraft fees that then sit there without proper notification and then trigger further compounded overdraft fees. 

Ive contacted them multiple times about the fact that I havent been notified in time or times when I notice myself and transfer money and get the transaction covered in time within the 24 hours and they charge me anyway. Sometimes they dont notify me at all and it feels like theyre deliberately delaying over a day any notification so that they can charge me the fees anyway. 

In my uploads Ive included all of the fee information from a couple of my different checking accounts but also some time and date stamped email notifications from BOA that correspond to fees that date days after the charge has been incurred. 

I had read an article recently that an attorney friend sent to me about how theyre being investigated for such practices and because Ive tried 5 to 6 times to have them refunded and they refused I thought I would submit this here in an attempt to get my money refunded. Thank you for your help.

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 2022-01-20 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Im not sure if I chose the correct option for this matter, but I received a collection notice in the mail from ARS ACCOUNT RESOLUTION on XX/XX/21 in regards to an alleged debt. I sent a validation letter certified during the dunning period on XX/XX/21 that shows delivered as of XX/XX/21 at XXXX XXXX. However, I recently reviewed my credit report and noticed that ARS reported this account without sending the requested information to validate this alleged debt. This collection agency failed to acknowledge my request for validation, and completely ignored my request.

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 2022-01-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I WAS NOTIFIED BY LETTER FROM PHH MORTGAGE THAT MY LOAN WAS TRANSFERRED TO XXXX  MORTGAGE ... FORTUNATELY I WAS ABLE TO SPEAK TO SOMEONE AT PHH MORTGAGE HOWEVER SHE WASN'T ABLE TO PROVIDE MY NEW LOAN NUMBER NOR ABLE TO GIVE INFO ABOUT WHERE TO SEND PAYMENT.  IN ADDITION, I CALLED WITHIN 5 DAYS OF RECEIVING THE NOTICE AND CONTACTED XXXX OF WHICH SINCE IT WASN'T THE XXXX XXXX XXXX NO INFORMATION WAS AVAILABLE.  SO, IT'S XXXX XXXX XXXX XXXX  AND STILL NO COUPON MAILED EITHER TO MY P.O. Box NOR THE PROPERTY  ADDRESS.  IN THE MEANTIME, MY SON HAS THE VIRUS.  I DON'T KNOW WHAT TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been going rounds with Trans Union now for over a year. I submit the documentation they request, XXXX., FTC Affidavit documents, police report Trans Union claims to be " investigating, '' yet I get no confirmation of an investigation or the outcome. Trans Union does to be punitive by locking out the ability to dispute information through their website. I pay monthly for credit monitoring for the sole purpose as new fraudulent information appears, I can dispute it and have it removed, so it does not do further damage to my credit report or 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 non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Opened an account with Wellsfargo. They were offering a {$400.00} bonus for opening an every day checking account with {$3000.00} or mor in qualifying direct deposits for the next 3 months. Its being 6 months of qualifying deposits for over {$3000.00} a month and theyve never given me the bonus as promised.

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 2022-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: WI

Complaint narrative:
I had a checking and saving account with Brink 's prepaid master card. About 6 months ago, I wanted to close both accounts. I had around {$900.00} in my saving account. I closed accounts on company 's website and chose to receive the check. However, I did not receive any check from them. I called them a few times, their customer service said they would process it but I did not receive the fund yet.

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 2022-01-20 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: Credit Plus Inc
State: FL

Complaint narrative:
I am in the process of purchasing a home and my credit report shows a " Collections Accounts '' section that includes a closed XXXX account. I was billed, and the account was closed and paid in full in XX/XX/2017, which is reflected on the credit report. This Collections Report is showing damage to my credit and to the purchase of a property for my XXXX I am including a copy of my final bill and payment as proof from the receipts in my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
There is a collection on my XXXX report and another account I don't recognize that don't belong to me, I have written and called XXXX to remove this and no luck. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportinXXXX Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Ive had PayPal credit synchrony for several years now. I currently have a credit limit of {$1900.00}. I applied for an increase to {$3000.00} credit limit on XX/XX/XXXX. I received a denial letter on XX/XX/XXXX. It states that my credit score is a XXXX based on XX/XX/XXXX credit snapshot. But my current score is XXXX as of XX/XX/XXXX. Attached here as well along with PayPal denial letter. I request an update to my score because there will be a an inquiry on my credit with a denial based on an outdated score. My score has shot up over the past two months.

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 2022-01-20 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: NJ

Complaint narrative:
I disputed an entry on my Experian report. Originally I did not even recognize the entry because it was reported as a TOTAL XXXX card which I never had. I then noticed it was from XXXX XXXX XXXX and was an account they sold to XXXX. I had paid off the account and had an agreement that the account would not be reported and removed from my credit report. I have a letter verifying this agreement. Initially Experian stated they had proof this was my account and I submitted a dispute saying it was to be remove per the agreement with the creditor. I have submitted the attached letter twice and asked for this entry to be removed but Experian, XXXX XXXX XXXX and XXXX refuse to comply.

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