vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: NY

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: NJ

Complaint narrative:
Upon an investigation by the CFPB and supplied to the state attorney general, the creditor agreed to remove a late payment from the account. ( I will attach the CFPB documentation from the creditor ). Specifically, page 3, creditors statement of removal.

This late payment was wrongly placed on the report while on deferment for COVID affected status, thus wrongfully and illegally going against federal law.

However, although it shows no late payments, Equifax will not remove the negative inquiry and failed to conduct due diligence and read the removal request from the XXXX XXXX. 

Equifax will not accept the creditor 's statement to remove the late payment. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, My name is XXXX XXXX I am contacting your guys to share my extremely stressful and unpleasant experience with JPMorgan Chase Bank. XX/XX/2021 just like any other patron of the bank I deposited {$1200.00} ( plus more * can not remember exactly dollar amount ) into an ATM machine located in XXXX XXXX XXXX neighborhood. ( XXXX XXXX XXXX XXXX XXXX, IL XXXX ) I insert the bills into the machine, I could hear the machine close and counting the money as I waited patiently. Shortly after I was issued a receipt that read To be sure your deposit went through please call XXXX. XXXX The receipt is also timed stamped, date of transaction, and a transaction number. 

The branch Manager came to assist me instantly, he noticed that the ATM had not deposited the funds and sat with me while I opened a claim over the phone with the claims department. He insured me that it would be taken care of and that his branch had 3 days to respond to the claim and preform an audit on the ATM machine is used that day. I was told it would take 24-48 hours to have a temporary credit issues to my account that never happened in fact I called in they said theres nothing they could do at the moment and insured that my situation would be taken care of bare with them for just a few more days. 

Here we are, XX/XX/2021 a week since the incident happened, I received a message from Chase stating that there was no transaction posted to my account, they could not find the money and theyve closed my case. I am in shock, stressed and unsure what to do at this point. Im unsure how they are allowed to do this to customers without any repercussions behind it. I am currently late paying rent due to this mishap, and late fees have also incurred. Arent there cameras located at the branch to prove I took the money out of my hand bag and placed it in the machine? I have so many unanswered questions. Please if theres anything you could do to have my story heard please let me know. This is completely wrong and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Inflection.com, Inc.
State: NC

Complaint narrative:
As a condition precedent to violating my right to privacy, Inflection Risk Solutions , LLC, ( 'Inflection ' ) a consumer reporting agency per 15 USC 1681a ( f ) was to take proper procedures in ensuring it is reporting accurate information about consumers. As a debt collector per 15 USC 1692a6 in its conduct to conspire with XXXX XXXX XXXX to suspend my consumer account, it failed in its commercial obligation to protect the consumer. Absent a court judgment or without my prior written consent to use my nonpublic, personal property Inflection stole my personal property & used it for what I believe was profit, trade or gain of which I received no benefit nor knew about. By Inflection taking an adverse action against me, it caused me harm that violated my right to privacy, reported that I was a criminal & was the main source of my XXXX account being suspended leaving my family & I stranded for days, being inconvenienced in having to pay out more money to retain a place to live! In violation of 15 USC 1681a2, without first contacting me to verify if information it reported was mine or not, Inflection took the law into its own hands & took an adverse action against me, even though the information it reported was not mine! I do not take this crime lightly! I do not believe a company should be allowed in business causing harm to consumers that is not ethical, moral, legal or lawful! Nowhere in the FCRA or FDCPA is Inflection 's behavior authorized. The matter is not about confirming if a record is accurate or not. The violation occurred when I, a consumer was harmed by a third party debt collector intervening in my " private '' affairs that caused harm to me & my family. Where have I given consent for Infection to use my trademarked information in the 1st place? Can it provide my written consent to the CFPB? This is identity theft and unauthorized use by Inflection. What is Inflection 's claim of permissible purpose as I did not apply for any service, employment, etc., with them? What business is it of Inflection to intervene in my private matters & then profit for reporting misinformation that caused a harm to us? What model did Inflection use to make a legal determination about me? I believe Inflection discriminated against me when it used personal information to report negative and erroneous information it presumed was mine. 

Definitions : It, its, they refers to Inflection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB, PLEASE HELP!!! 

See the attached screenshot that TransUnion has just done. These people along with creditor are ruining my credit and dragging it down into the dirt. This account should not be reporting anything. This account was closed and satisfied years ago. I have never heard of a court named XXXX XXXX. How are these credit bureaus allowed to purposely damage consumers credit profiles. I'm asking For TransUnion and XXXX XXXX to completely remove this account from my credit report immediately or I will be forced to email the State Attorney Generals office here in Florida and show them the proof of what both companies are doing to my credit. STOP IT NOW!!!!

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 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Profit Services Group
State: GA

Complaint narrative:
On XXXX, I received a call from unknown number stating that I owed XXXX from 15 years ago from a company called XXXX  XXXX. The Company that called is name. Profit Service Group. 
Iasked them why are they calling me 15 years later about a bill that old. I was told that bill was given to them from XXXX  XXXX on XXXX. 
I asked for them to send me company of bill with date of service. On XXXX I received a letter from Profit Service Group stating that I owed XXXX dollars to XXXX  XXXX. It did not have date of service. The only info on letter was than must paid with in 30 days or it will be put on credit report, invoice number and account number. 
I reach back out to Profit Service Group and spoke with XXXX he refuse to let me speak to Manager, to Discuss this letter request for payment. I then call XXXX  XXXX  to get info through them that stated that they donot have any info with that account number or Invoice number. XXXX recommenated that I call the Profit Service Group back agan, and once again i had no luck with getting info. 

Account number XXXX Invoice number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central States Recovery, Inc.
State: VA

Complaint narrative:
I filed a previous complaint to which the company said that all attempts would be stopped. Company still continues to try and contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I saw these account in my credit report and I am really bothered what is going on. Why does this account appear and it has a lot of missing information. Please help me get them out of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
We received our AT & T UniversalCard ( a MasterCard issued by CItiBank ) statement two weeks ago and noticed a fraudulent charge. I called customer service, reported the charge, and asked them to issue new cards with new account numbers. The representative said no, that was not necessary ( very, very bizarre response -- not something any credit card company has ever done in the history of forever -- HUGE red flag right there! ). Fast forward to yesterday when I was alerted there were a series of additional charges from the same entity, totaling hundreds of dollars more ( yet the rep. said the original fraudulent charge was flagged and being investigated for fraud -- what credit card company lets a flagged entity, one they are supposedly investigating for fraud, to continue to charge the card -- a card they are refusing to close and reissue in spite of all the fraud? ). So I call again, get another rep., literally spend twenty minutes insisting I need the account numbers reissued -- I mean, who argues with a consumer like this when it is OBVIOUS the card is compromised??? This has never happened even with AT & T UniversalCard in the past. Also, it's the first time I've had to deal with foreign outsourced CS reps when dealing with a fraud situation. I honestly believe it's the reps themselves perpetrating the fraud at this point. 

It HAS to be illegal to refuse to close out account numbers and reissue cards in the face of repeated fraud. Also, why are we outsourcing sensitive financial information to bot farms and call centers overseas? This is insanity! 

Anyway, here I am, a couple of weeks away from XXXX travel -- highly anticipated as it may very well be the last time I see my father, and it's the first time I'm seeing my son in XXXX years -- with no viable card ( the card my reservations are charged to ). 

CitiBank has also now made it impossible to log in and monitor activity on my card from my laptop ( something I could always do ). 

I do not understand why they would treat a XXXX long customer with excellent credit, who has never, ever not paid their bill in full every month, like this. It's shocking and dishonorable, and lacks any integrity or decency whatsoever. Shameful, shameful behavior. I will look to my credit union for a new mastercard, will only use financial services entities that protect my information and accounts, and who only use American employees, bound by American laws, as customer service reps ( something I think should be legally required anyway ).

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 2021-11-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is keeping to post wrong information on my Credit Report. 
People BEAWARE!!!!! 
Experian post that an account on my credit report have a balance of XXXX on XX/XX/2021 meanwhile in the section that shows " changes '' you can clearly see that my utilization decrease with 65 % and my revolving debt decrease with XXXX... 
The truth is thas this account have a XXXX balance With all of this that my utlization and revolving debt decrease, Experian drop my credit score with XXXX point .... This a clearly sign of all of their bad and wrongfully parctice against costumers

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 2021-11-09 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Santander Consume USA is reporting on my credit report as a past due balance on an auto loan that was totaled. Santander entered a class action law suit. Santander practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to Santander Consumer USA on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, Santander is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. Santander has yet to respond to my request. Please have this account removed as I am in the process of buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/21 I was approached and had my phone taken by 3 men who started CashApp multiple transactions to XXXX XXXX and XXXX XXXX for a total of {$1800.00}. By the time Id gotten my phone back the transactions hadnt been completed so I immediately reported the issue to CashApp. Instead of preventing the transactions they authorized them and allowed them to go through. I brought the issue to my bank who brought it to XXXX and gave me temporary credit. Upon XXXX investigation and communication with CashApp they were told by CashApp Id given clearance. But I have photo evidence that was not the case. The bank took the credit back and then some to cover deficit funds leaving me nearly penniless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NORTHSTAR FUNDING INC
State: GA

Complaint narrative:
I completed a mortgage application, paid a fee and never heard back from the banker. Even after making several calls and sending several emails. The banker stopped responding. I have great credit. The banker took my application, ran credit, charged a fee and disappeared.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
I have already filed an initial complaint on the debt company XXXX XXXX. That one is still being worked out. This complaint is on the law firm they are using O & L law group. I was contacted out of nowhere about threats of a lawsuit about a debt. There was no confirmation of the debt. No payment arrangement or anything. Just straight to the lawsuit.I am the victim of identity theft and I had multiple fake accounts opened. If this debt is legit it could be one of those. But there is no way to confirm. This law firm is known for shady tactics. Do a XXXX search on them and you will see a XXXX star review for this law firm. They are known for threats, shady tactics, and basically stealing your money for a debt that is minimal, maybe old, or may not even be yours. This firm needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2021 a friend of mine send me {$100.00} thru XXXX by accident, I called and asked him why he was sending me the money, he said it was not meant for me, it was meant for someone else, so I sent the {$100.00} back on the spot, they stood as pending on my banks side and posted the following day causing my account to be overdrafts and being charged a {$36.00} overdraft fee, I have requested the bank to refund the fee but they said no, and now they are charging me an extended fee, which is another {$36.00} dollar, so in total I have been charged {$72.00}, this happened with SunTrust bank, now Truist.

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