vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 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: IN

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/1966 Last 4 : XXXX Experian, XXXX and XXXX failed to provide a debt validation for alleged debt to XXXX XXXX  account XXXX. I would like Experian, XXXX, XXXX to remove the account, because they were not able to validate the debt under FDCPA.

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 2022-02-16 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: MI

Complaint narrative:
I, XXXX XXXX, assure you the information that I am presenting to you was not blocked in error. 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. 

I did not consent to, authorize, nor benefit from any of the following accounts or inquiries. Block and Remove them. 
XXXXXXXX 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 XXXXXXXX XXXX XX/XX/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 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello CFPB, I am writing to you in response to the closing my case against XXXX XXXX XXXX dated XX/XX/XXXX. This case is regarding to XXXX being closed. This case is NOT over and should not be closed. This case should not be closed because I do not owe XXXX, XXXX {$650.00} or any money. In fact, XXXX XXXX XXXX XXXX owes me {$15.00}. XXXX, XXXX keeps harassing me, has locked my access to my XXXX account, and continues to state that I owe them {$650.00} and I do not. 

On XX/XX/XXXX, a XXXX, XXXX representativeXXXX  ( XXXX ), emailed me and insinuated that the {$650.00} deposit may have been sent on the back end to American Express the Corporation, and not directly to me or my account ; and that is why the {$650.00} XXXX XXXX XXXX XXXX states they gave me does not show on my American Express account. Please see the attached email from XXXX, where he stated I would encourage you to speak with American Express, as they received both credits/refunds. Because of this I wrote back to XXXX, XXXX that same day informing them, that since I was not given a {$650.00} credit from XXXX XXXX XXXX XXXX, and that American Express the Corporation most likely received the {$650.00} deposit on the back end that XXXX, XXXX, should go after American Express the Corporation, and stop harassing me. 

Continuing with this case, on XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX messaged me through the Better Business Bureau, and gave me a tracing number which he said American Express can use to trace the {$650.00} deposit XXXX XXXX XXXX XXXX supposedly sent to me. XXXX stated You can provide this trace number XXXX to your card issuer and they should be able to find the refund. Please see the XXXX XXXX XXXX response from XXXX XXXX attached. With this information, I called American Express on XX/XX/XXXX and tried to provide them with the tracing number XXXX XXXX gave me. However, an American Express representative, XXXXinformed me that XXXX XXXX XXXX must call the AMEX Merchant Services Line, at XXXX XXXX XXXX to XXXX, and give AMEX the tracing number, and that I can not call or talk the AMEX merchant services line on XXXX, XXXX behalf XXXX My hands are tied at this point. There is nothing I can do. The XXXX even closed this case. It is unresolved. XXXX XXXX XXXX is accusing American Express Inc. of having the {$650.00}, and that AMEX owes them {$650.00}, but me as an AMEX customer am being penalized for it. Please assist me with resolving this issue with XXXX XXXX XXXX XXXX XXXX XXXX keeps harassing me, stating that I owe them {$650.00} when I never received monies or credit. Please help. 

Please Do Not Close This Case. 

Respectfully, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/1966 Last XXXX : XXXX XXXX, Transunion and XXXX failed to provide a debt validation for alleged debt to XXXX XXXX  account XXXX. I would like XXXX, Transunion, XXXX to remove the account, because they were not able to validate the debt under FDCPA.

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 2022-02-16 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: IN

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/1966 Last XXXX : XXXX XXXX, XXXX and Equifax failed to provide a debt validation for alleged debt to XXXX XXXX account XXXX. I would like XXXX, XXXX, Equifax to remove the account, because they were not able to validate the debt under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Social Finance, Inc.
State: GA

Complaint narrative:
Recently, I, XXXX XXXX XXXX, was denied an extension of credit by SoFi Credit CorpXXXX XXXX. On XX/XX/2022, I applied for SoFi Credit Card. 
As you XXXX be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). SoFi Credit Corp. XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022, is both a proof and evidence that I have been discriminated against, you are also criminally liable. SoFi Credit CorpXXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

I received a response from the Sofi on XX/XX/2022 that does not satisfy this ongoing concern. I have escalated the matter with the Attorney General. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I, XXXX XXXX, assure you the information that I am presenting to you was not blocked in error. 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. 

I did not consent to, authorize, nor benefit from any of the following accounts or inquiries. Block and Remove them. 
1. XXXX 2 XXXX XXXX XXXX XXXX. XXXX XXXX 4. XXXX XXXX XXXX. XXXX XXXX XXXXXXXX 6. XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX : XXXX XXXX XXXX XX/XX/XXXX 8. XXXX : XXXX Mortgage XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/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 2022-02-16 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: MI

Complaint narrative:
I, XXXX XXXX, assure you the information that I am presenting to you was not blocked in error. 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. 

I did not consent to, authorize, nor benefit from any of the following accounts or inquiries. Block and Remove them. 
1. XXXX  2 . XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  XXXX 6. XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX : XXXX Mortgage XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. ( LVNV FUNDING LLC ) is reporting on my personal credit file with ( XXXX XXXX credit reporting agency . These account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. ( CREDIT COLLECTION SERV ( LVNV FUNDING LLC XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Metro Area Collection Service, Inc.
State: FL

Complaint narrative:
This company has called relatives asking for my information pretending to be police officers. 

I requested they prove the debt is mine on XX/XX/2021 and they refuse to validate the debt. are reporting erroneous information to credit bureaus in an attempt to extort. 

Reporting different amounts to each, and harassing communication on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I, XXXX XXXX, a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306 is aware that the unlawful use of a credit card such as a Social Security Card under 15 U.S. Code 1602 ( l ) by an organization or person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit constitutes unauthorized use pursuant to 15 U.S. Code 1602 ( p ). 

I understand that the fraudulent use of a credit card, by NAVY FEDERAL CREDIT UNION, is defined as whoever uses, attempts or conspires to use a card to obtain money, goods or services shall be fined for {$10000.00} or imprisoned for 10 years or both. 

This Promissory Note, as shown in EXHIBIT ( A ), is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. I have reason to believe and do so believe this instrument constitutes payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. 

I entered into a consumer credit transaction with NAVY FEDERAL CREDIT UNION where a credit sale took place and a finance charge was imposed, where NAVY FEDERAL CREDIT UNION holds a security interest. Pursuant to 15 U.S. Code 1605 ( a ), the finance charge is the sum of all charges. 

NAVY FEDERAL CREDIT UNION did not clearly and conspicuously disclose the right to rescind this consumer credit contract, nor did I receive any clear or conspicuous verbal, written or video explanation on my right to rescind. 

This is my notice of Rescission of this consumer credit transaction due to fraud on behalf of NAVY FEDERAL CREDIT UNION. NAVY FEDERAL CREDIT UNION has been committing theft by deception and using unlawful extortionate means by furnishing false and deceptive forms. 

I am invoking my right of rescission in accordance with 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until the discovery of its potential existence and demand a full revocation of such document ( s ) ; nunc pro tunc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. These accounts ( CAPITAL ONE AUTO FINAN ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). I need to report CAPITAL ONE AUTO FINAN for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great XXXX & XXXX XXXX XXXXnd creating me sleepless nights where its impacting my job performance. Please have these matters resolved ASAP. ( CAPITAL ONE BANK USA N XXXX Balance {$1100.00} ) ( CAPITAL ONE BANK USA N XXXX Balance {$2000.00} ) ( CAPITAL ONE BANK USA N XXXX Balance {$1900.00} Credit Card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Recently, I, XXXX XXXX XXXX, was denied an extension of credit by Citibank. On XX/XX/2022, I applied for Citi XXXX XXXX XXXX XXXX. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). Citibank has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022, is both a proof and evidence that I have been discriminated against, you are also criminally liable. 

I received a response from Citi on XX/XX/2022 that does not satisfy this ongoing concern. I have escalated the matter with the Attorney General. See attached.

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 2022-02-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: OK

Complaint narrative:
Yes on XX/XX/2021 I traded in my XXXX XXXX on a XXXX XXXX XXXX and they decided to not move forward with the sale and told me 5 months later they will be trading me my car back in exchange for that XXXX back I agreed they came took the XXXX months ago and left me rideless because they sold my XXXX instead of not giving it back so they done won more then they bargain for I'm not paying for something I don't have I'd rather have of had my car back as well but no

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. These accounts ( XXXX XXXX XXXX ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). Reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any correction or withdraw these accounts from my personal file ; ( AMERICAN EXPRESS XXXX Balance {$0.00} ) ( AMERICAN EXPRESS XXXX Balance {$1600.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: VA

Complaint narrative:
CMG Mortgage , Inc. its affiliates, agents and employees ( collectively, " Servicer '' ), is the servicer of my mortgage loan. I have experienced financial hardship negatively impacting my ability to make on-time Mortgage payments due to COVID-19 and made a request for a COVID-19 Forbearance in XX/XX/XXXX and was granted such for 18 months until the end of XX/XX/XXXX. On XX/XX/XXXX the Servicer ( CMG Inc ) approved and tried to put me into a COVID-19 Owner Occupant Loan Modification that resulted in a higher mortgage payment than before the forbearance, which is not affordable as my COVID-19 financial hardship continues. 
On XX/XX/XXXX I appealed, the Servicers, decision and stated : I am hereby informing you that I am requesting an appeal of your decision not to evaluate my eligibility and produce terms for all the retention programs available to me after the Cares Act Mortgage Forbearance program. Namely I request that I be evaluated for the Covid-19 Combo Partial Claim and Modification, and the Covid-19 HAMP Combo Mod/Partial Claim. 
As of XX/XX/XXXX the above retention options have been consolidated into the COVID 19 Recovery Modification, which replaces the COVID 19 Owner Occupant Loan Modification, COVID 19 Combination Partial Claim and Loan Modification, and the COVID 19 FHA HAMP Combination Loan Modification and Partial Claim with Reduced Documentation. CMG, the Servicer, responded on XX/XX/XXXX by denying my appeal and threatening consequences. To this day CMG still refuses to evaluate and grant the aforementioned COVID 19 retention options despite the law and repeated requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( MACY'S/DSNB ) is reporting on my personal credit file with XXXX, XXXX XXXX XXXX XXXX Credit Reporting Agencies ). Reporting agency ( CRA ) is reporting inaccurate information on the listed account below ; Due to their errors in reporting Im reporting this violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any correction or withdraw this account from my personal file ; ( MACY'S/DSNB 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