vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KLS Financial Services, Inc
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2020-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was on XXXX checking on my order. When I signed in something blocked me from doing so and I called a number that I thought was affiliated with XXXX but come to find out this was not. It was actually a hacker. My wife told me to check my bank account and I immediately noticed that they had taken {$1100.00} from Bank of America. This occurred on XXXX XXXX. I called on the same day this happened to make a fraud charge to the bank. Come to find out the bank did not file the charge until XX/XX/2020. On the bank statement it is showing up as a charge from XXXX Transfer Confirmation The person name is XXXX  XXXX.. on both transaction. 
confirmation number is XXXX for the XXXX confirmation number is XXXX for the 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 monetary relief
Consumer complaint received 2020-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The 3 Credit Bureaus are reporting inaccurate information on my account and it is hurting my credit score and stop me from from XXXX XXXX during these hard times I sent in 2 letters stating that they aren't reporting accurate information on my credit report I recently made an account with XXXX XXXX and the facts are right there I can upload supporting documents to show my proof.

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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to respond to my credit dispute letter that I sent on XX/XX/2020. As a consumer, I have rights under the FCRA and Federal Law mandates that I get a response to my dispute letter within 30 days of receipt. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The accounts 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  IL XXXX are inaccurate and unverified, and I am requesting that are deleted from my credit report immediately.

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 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was told that it would be considered paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I had XXXX XXXX at XXXX  XX/XX/XXXX There was one test that Medicare said wasnt normally covered but since I didnt know they covered it! Even if it was not covered it would have gone to my XXXX XXXX XXXX XXXX  XXXX Gap insurance etc .... then 9 months later in XX/XX/XXXX XXXX submitted the same bill again to Medicare ... it was disputed & dropped of My credit report! In XXXX XXXX had a security breach & when I went to drop a test off in XXXX XXXX they said I had a balance of {$100.00} from the test back in XXXX. I said that was already resolved years ago, I had to call Medicare to have them send my files from XXXX to submit to XXXX. I checked on credit karma and that account was closed so I cant even dispute it a second time! XXXX  wants another 30 Days .... I dont have that much time I need to trade in my care & move by the end of the month and this just dropped My credit score 50 points & I dont know how it got back on my credit report a few weeks ago when this was already settled years ago!!! ( XXXX XXXX XXXX breach Im guessing ) but that number no longer works Ive spent hours on the phone disputing this bill that was already settled and off my record years ago & need to get it off my report immediately!!!!

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 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/2020 I checked my XXXX  credit report and a debt for {$4300.00} from a company called Transworld Systems. It was reported on XXXX XXXX,2020. The company states the debt is 2.5 years old and it has no account type to identify what type of debt it is. The company put a fraudulent debt on my credit report. I have no knowledge of this company. Then at the bottom the company put remarks stating it was result of a natural disaster. I have no idea how they obtained my information. Two years ago I wasnt in a natural disaster. The collection agency or the original creditor I have never done business with. I live in California and the original creditor is not even located in the stare I have lived for the last 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
After i closed my Store Card on XX/XX/2019 with MACYS, They " Mistakenly " Charged my Account with {$350.00}. 
which is showed in my credit report 5 Late Payments since i noticed! 
Which is drastically Dropped my Credit Score. and prevented me from applying for Credit card.

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 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was in the hospital in XX/XX/2019. Due to this. I wasn't able to work and didn't return to work until XX/XX/2019. During this time, My husband was making the payments on the credit card. For numerous months, he was given wrong information about payments and due dates. He informed the company of my medical issues and asked what could be done. One month, he was given the wrong date to pay by. After talking to different departments and different managers in those departments, we were told the card was closed and had been closed for months. We were never notified of the card closing or given information on how to keep it open. We asked if we could dispute it being closed and they were dismissive.

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 2020-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Titanium Funds
State: CA

Complaint narrative:
Lender disabled vehicle WITHOUT notice AFTER I explained I was having trouble paying auto loan due to Coronavirus unemployment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The 3 Credit Bureaus are reporting inaccurate information on my account and it is hurting my credit score and stop me from from XXXX XXXX during these hard times I sent in 2 letters stating that they aren't reporting accurate information on my credit report I recently made an account with XXXX  XXXX and the facts are right there I can upload supporting documents to show my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: PA

Complaint narrative:
The 3 Credit Bureaus are reporting inaccurate information on my account and it is hurting my credit score and stop me from from XXXX XXXX during these hard times I sent in 2 letters stating that they aren't reporting accurate information on my credit report I recently made an account with XXXX  XXXX and the facts are right there I can upload supporting documents to show my proof.

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 2020-07-10 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: IL

Complaint narrative:
Equifax has failed to respond to my credit dispute letter that I sent on XX/XX/2020. As a consumer, I have rights under the FCRA and Federal Law mandates that I get a response to my dispute letter within 30 days of receipt. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The account XXXX XXXX XXXX  XXXX is inaccurate and unverified, and I am requesting that it is deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I called and spoke with 2 people from the original creditor and I was told that the several debts I have with ARS have not been filed to my insurance because they didnt have the information needed to file. I asked if they tried contacting the hospital that sent my insurance or if they tried contacting me and they said and I quote Were a national company, we dont have time to make calls like that. All of these amounts are invalid as they were not filed with my insurance. I contacted the creditor and asked if these could be fixed and they said no because I should have given my insurance information EVEN THOUGH the hospital was supposed to do so. I would like these debts removed from my credit report as they were not appropriately filed.

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 2020-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has failed to respond to my credit dispute letter that I sent on XX/XX/2020. As a consumer, I have rights under the FCRA and Federal Law mandates that I get a response to my dispute letter within 30 days of receipt. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The accounts XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are inaccurate and unverified, and I am requesting that are deleted from my credit report immediately.

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 2020-07-10 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: PA

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting.

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 2020-07-10 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: PA

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting.

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 2020-07-10 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: PA

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I've been disputing with them since XX/XX/2019 about removing my XXXX   XXXX credit card from my credit report. They made my score go way down and then I got the run around from different " supervisors '', I even got XXXX XXXX to contact them and send me my good long standing account via email and still they won't fic the problem nor report my card.

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 2020-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement  and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation