vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a letter from an Attorney on behalf of American Express. That is clearly a violation of 15 USC 1692e ( 3 ).

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

This is just going to far and American Express is becoming a nuisance. I will be filing for default judgement soon as I have all the evidence. Also American Express statedbthey would have XXXX attempt to help collect the debt below. That is also another violation of 15 Usc 1692e ( 14 ) ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

Also American Express keeps saying they have validated the debt. All they did was send statements, that is not proper debt validation pursuant to 15 USC 1692g and they never mentioned who the original creditor is which was the consumer.

Pursuant to 15 USC 1611 & 15 USC 1640, American Express has civil liabilities and can be held criminally liable.

American Express has now incurred over 20 various violations and now this case is now eligible for district court. Will be in contact with the US AG XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SG and Associates
State: NY

Complaint narrative:
On XX/XX/2021 I received a notification from XXXX I opened it up to fine a collection on my credit report That was unfamiliar to me. I called the collection agency by the name of Stafford Group associa. A gentleman answered the phone by the name of XXXX XXXX, I explain to him that I was calling because received a notification stating that I had a collection from his collection agency he stated to me that the original creditors was XXXX and that he took over the debt and the sum of {$9300.00}. I explain to him that I never had an account with XXXX I explain to him that this must be a big mistake he then became very hostile stating that he was going to sue me if I didnt pay the money XXXX try to explain to the man that this must be some type of identity theft because I had no idea who he was, and I had no idea about a company named XXXX. I asked the gentleman to send me some type of verification because he had no right to put a bill on my credit report without verifying it with me.he told me that he can do whatever he needed to do to get his money and hung up the phone on me. I called to XXXX and filed a identity theft report, I went to The police department and filed a report I also filed a Identity theft complaint with the federal trade commission. Upon further research this account was transferred/ sold By the original creditor, Debtors Creditors did not verify this collection also there Was no written form of communication contact or written signature for this accused Debt at all. A bill without a written signature does not validate the Debt, and anyone can send a bill and say its mine according to the FCRA Stafford group associate has violated my rights as a consumer and Im requesting legal action to remove this account 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 2021-09-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I mailed a letter about inaccurate accounts on my credit report and requested an investigation. It has been 4 months and I still haven't received any results in the mail and these unverified account still show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
I received a threatening collection notice letter from Afni Collections at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

They claim I owe {$1000.00} for an overdue XXXX XXXX XXXX balance. Pretty silly considering Ive never had an account with XXXX XXXX XXXX. I called and told them this. They were extremely rude and told me it was in my best interest to pay the balance. I refused and told them not to contact me again. 

They then sent me a second letter claiming theyd accept a discounted offer payment of {$600.00}. I called again and asked what type of money grabbing scam they were pulling and that this was a done issue as I DO NOT have an XXXX XXXX XXXX  account. 

Today I was informed that a collection account was reported by them to XXXX and is now on my credit report. I called XXXX and and filed a dispute through them as well as reporting them to the XXXX. 

Id also like for you to assist and ensure that they stop contacting me and remove the false collection account from my credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
This scamming debt collection agency is in VIOLATION of 15 U.S.C. 1692g they did not notify me in writing of the debt thats allegedly owed before reporting it on my consumer report. I have no knowledge of this alleged debt. As the original creditor only I can validate this alleged debt. I do not validate this alleged debt so it must be removed 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 2021-09-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter about inaccurate accounts on my credit report and requested an investigation. It has been 4 months and I still haven't received any results in the mail and these unverified account still show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NY

Complaint narrative:
TransUnion is furnishing inaccurate accounts in an attempt to coerce me to pay on them. The accounts have not been validated by the consumer and no attempts were made by transunion to verify the information as they are obligated to by the FDCPA. Multiple attempts were made to resolve this issue, the most recent being XX/XX/2021.

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 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: LA

Complaint narrative:
XXXX has been adding debt to my credit for a long time and never disputes it correctly I have been a victim of identity theft for a long time and nothing is helping

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo ceo, XXXX XXXX, is advising his subordinates to improperly investigate the employee who delayed processing of my payment which was a bank error and has caused an incorrect reporting that I paid late. The employee vowed to correct her mistake and never has. XXXX XXXX has continued to direct his staff to ignore this matter after their incomplete investigation and continue to only send me scripted impersonal correspondences that are completely dismissive and insincere.

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 2021-09-16 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: Kikoff Inc.
State: PA

Complaint narrative:
I called XXXX a few days ago because there was an account that was not mind ( KIKOFF LENDING LLC ). Phone rep advised me to send in a dispute letter included in that letter would be my i.d ss # and utility bill proving my identity and address. I sent them in and called them back and they said they didn't receive the letter. I sent them out certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have tried to dispute a charge on my Bank of America credit card ( Visa ) for {$310.00}, 3 times. The vendor 's name is XXXX ( XXXX ) and what I purchased was a voucher for 7 nights stay in XXXX. After several attempts ( emails and calling Bank of America directly ) BofA has declined my claim. XXXX went out business and filed for bankruptcy ; so I tried to get a refund from them before contacting Bank of America. I provided Bank of America all the information requested, the bankruptcy notice from the website ; emails ; my certificate, etc. and Bofa declined my claim 3 times. 
First, they claimed they did not receive any information ; then they said my dispute fell outside the timeframe to retrieve the funds from the merchant ( which is moot given XXXX is out of business now ). I contacted XXXX XXXX  regarding a different voucher ( XXXX ) and I was provided a refund immediately and without jumping through hoops. Bank of America has rejected my claim 3 times. This is unacceptable! 

Account number ending in : XXXX Case number from Bank of America : XXXX Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
The XXXX Credit Bureau won't diligently and investigate the medical bills I disputed with them multiple times and even provided documentation clearing my name from any medical bills during a XXXX that I was a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In the middle of XX/XX/2021 it was made known to me through my XXXX credit monitoring the Bank of America had inquired upon my credit. I instantly reached out to Bank of America directly and advise them that I never inquired with them for anything to do with credit. They advised me that they would look into it and I am in the mortgage industry so I know how all this works I said don't look into it remove it it was not a legal inquiry and I need you to remove my credit immediately. That was 60 days ago and it is still showing on my credit report I need you to get involved to make them remove it immediately this is unacceptable

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 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
The Experian Credit Bureau won't diligently and investigate the medical bills I disputed with them multiple times and even provided documentation clearing my name from any medical bills during a XXXX that I was a 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 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was scammed of over XXXX dollars and sent money to a Chase account supposedly was supposed to be sent to help a romantic scammer, he had me wire money to a Chase Bank account, I did not know this person and have provided the persons name and account number from Chase back and nothing has been done, I'm sure I have not been the only one that has sent money to this account and would like this account and person investigated. 
Chase Bank XXXX XXXX Routing number XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I filed a dispute with Transunion on a collection account that is on my credit report. The company will not remove the account from my credit after the account as been paid and closed. I have talked to Transunion and they said they are going to remove the account because the collection company will not agree to it. A third party collection agency should not have the right to decide. They are a third party and have no right.

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 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.

Complaint narrative:
I am a victim of identity theft and data breach. I continue to receive a natural consequence of which to harass, oppress, and abuse me in connection to collection of a debt that has been paid and with others that have already been removed from my credit report by law as negative reports should drop of from an individuals report after seven years and no longer considered in the score calculation. 

The creditors has continue to take false representation or implication that the individual is an attorney and that he communication is from an attorney and has used false representation and deceptive ways to collect information regarding me. And in addition has used business, company and organization names of the debt collector 's businesses and companies by false representation and implication that the accounts have been turned over to innocent purchasers for value. 

The abusive creditor has also rejected usps certified mail that i have sent inquiring regarding getting my requested information on these improper dates that have been resolved and continues to call me nonstop in a extremely harassing and abusive way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX has wrongly reported a balance on my Experian credit report for {$5200.00}. I disputed this account multiple times, the most recent times being XXXX and XXXX XXXX 2021. Both times I sent proof of the account being settled and as a result XXXX and XXXX has removed XXXX from my credit report. Experian continuously sends me a letter when I dispute this account saying, XXXX has verified the account but doesn't provide any additional facts I asked Experian to investigate. I need Experian to do a full investigation with XXXX and remove this wrongly account from my credit 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 2021-09-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021, I mailed a letter about inaccurate accounts on my credit report and requested an investigation. It has been 4 months and I still haven't received any results in the mail and these unverified account still show on my credit 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 non-monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Kindly I had bought a car with extended warranty I had decided to cancel it in second day and the dealership had paid a check to bank to reduce the amount financed for the vehicle I bought And the bank had cashed the check but did not update on their system So the payoff amount was large And they kept charging me extra interest The customer service on the phone dont know how to fix the issue And I am ready to move to different Finanacial institutions to finance my car They are asking me to pay inaccurate amount so they are not fixing issue And beside that I am paying extra without fixing the problem

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 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson capital sent me a notice of a XXXX phone bill XXXX. I never had XXXX phone. I requested validation of the debt. Jefferson capital only sent me a statement showing the balance. Not the original contract with phone company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NY

Complaint narrative:
Equifax is furnishing inaccurate accounts in an attempt to coerce me to pay on them. The accounts have not been validated by the consumer and no attempts were made by Equifax to verify the information as they are obligated to by the FDCPA. Multiple attempts were made to resolve this issue, the most recent being XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter about inaccurate accounts on my credit report and requested an investigation. It has been 3 months and I still haven't received any results in the mail and these unverified account still show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A XXXX hard credit pull from XX/XX/19 should be removed from my credit report. It has been on my credit report for over two years.

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 2021-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I want to remove this account that is affecting my credit report.

Company response to consumer: Closed with explanation