vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company, PORTFOLIO RECOVERY, purchased a debt from another company and I had no involvement with the transaction according to 15 USC XXXX I am an natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXXXXXX XXXX XXXX XXXX are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XXXX XXXX XXXX, congress enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX In XXXX with the fair credit act XXXX account XXXX has violated my rights. 

15. U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 section : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XXXX, we purchased a Vacuum from XXXX XXXX XXXX XXXX, but upon receipt of the item, we found a missing vacuum attachment and sent an email to the company to request a return. After several phone call attempts without any connection, we sent several emails, but the merchant never responded. 

So we sent the items back to the address on the original package along with the order information. Upon the items being returned to the merchant 's e-commerce center, we sent additional emails to confirm their receipt and refund status by providing the detailed return tracking number, but still no response. 

After waiting for about a month for their response, on XX/XX/2023, we decided to open a dispute with our credit card company, Chase Credit Card. By the end of XXXX, we received a letter from the Chase dispute department indicating that they had to close our dispute because they didn't see the evidence that we returned the item back to the merchant. So we sent a written letter to request to re-open the dispute ( please see the enclosed written letter copy ) with the detailed return tracking information along with our emails to merchant showing our attempts to resolve the issues. 

However, today XX/XX/2023, Chase dispute department again closed the case indicating that we did not return the item despite all the return supporting documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have been trying to work with this company for almost over a years, in 2022 I started disputing this account because doesn't look familiar to me, after my dispute I started to ask for validation of the debt because if I owe the company money I would love to work with them but at this time I don't know who they are, I contacted the company who owns this account which is PROFESSIONAL DEBT via phone and the person that answer the phone was very rude asking me how is possible that I don't know who they are, which I reply I'm sorry but I won't make a payment on this debt if I don't know who this company is and why I owe the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
The company, SOURCE RECEIVABLES MANAGEMENT, purchased a debt from another company and I had no involvement with the transaction according to 15 USC 3002 I am an natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXX, XXXX, and XXXX are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Applied for credit card and got letter saying experian was legally required to give me a report. XXXX their info on me is wrong and I can not get verified. On a phone call they refuse to connect me to an agent and their info they demand in a letter I dont have, like a utility or rent bill. Thus with their demands they are refusing to comply with the law! Using their demands for either incorrect personal info or copies of things I dont have they are thwarting complying with the law! Making it impossible for me to get 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 non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Synovus Bank
State: TN

Complaint narrative:
I received a letter in the mail from Synovus bank in XX/XX/2023 stating my account was overdrawn by {$4000.00}. The letter was dated XX/XX/2023. I had never heard of this bank nor received anything in the mail prior to this. I did not open this account. I called the bank multiple times trying to get information and to tell them it was opened fraudulently. They would put me on hold until the call disconnected. They would not give me any information and would not let me speak to the fraud department. I was told the fraud department does not take inbound calls. The only thing they told me was that the account was opened online in XX/XX/2023, and they were closing the account right then as they were speaking to me. They said I needed a police report and then I could drive to the nearest branch and request the information. After I called them, I received a letter in the mail that was backdated to XX/XX/2023, before I called them and backdated seven days before the first letter I received from them ( the overdraft letter ), stating the account was closed. This isn't even possible since the account was still open when I received the overdraft letter and when I called them to report the fraud. 

I filed an incident report with the police and went to the nearest Synovus branch. They would not tell me if my drivers license was used, why the account was allowed to overdraft by so much, and they would not provide a letter of account closure stating I was not liable since it was opened fraudulently. They would not provide bank statements. They said they could not see any information on the account and were unable to give me any further information. I was still unable to speak with the fraud department. They gave me nothing but an identity theft information sheet. In this printout it states that I have the right to obtain the documents relating to the fraudulent account however they would not and did not provide these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.

Complaint narrative:
The loan for my loans was recently transferred to Aidvantage for servicing. 
I open an account at Aidvantage - number XXXX. 
As I live in XXXX I searched their website for details on how to send payments internationally. I could not find any. 
I have an account at XXXX XXXX XXXX XXXX ( XXXX  ) so I sent ( by registered delivery ) to : Aidvantage FSALS, XXXX XXXX XXXX, XXXX, OR XXXX - six checks for each loan ( I have 2 ) that were individually dated for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. There was a cover letter that explicitly stated " do not present the checks before the date on the checks ''. 
As soon as they received the cheques they presented them. The majority of the checks were honoured by XXXX so all my funds were wiped and I was left with a huge overdraft. 
I emailed Aidvantage but got a long winded response that basically said we don't answer via email so phone or come in or write. 
Tried to phone, but the number to internationally call was listed incorrectly as XXXX XXXX XXXX XXXX. In actual fact to call the USA the code is XXXX then XXXX then area code and number so correct number is XXXX. Having worked this out I tried calling go through to an automatic system which did not correctly recognise my SS number or account number. It was not possible to talk to a human being. 
Can you help please. They have wiped out my account and left me with an overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had a credit card account opened in my name and {$8800.00} in charges spent in my name in under a month. Another application was attempted to open and capital one notified me and that's how I become aware of the fraudulent charges. The account was opened XX/XX/XXXX. I received emails from capital one, thought they were a phishing scheme, as the hackers changed my email and phone number upon their success. I canceled the fraudulent application XX/XX/20 and closed the fraudulent account with the balance under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I sold my home on XX/XX/2023. I called NationStar to inform them of the sell-closing and requested a letter to verfiy the account was paid in full with XXXX balance. The account is shown open with a balance owed on XXXX, XXXX, and XXXX etc ... as if I Stopped paying the mortgage. Nationstar Mortgage LLC d/b/a Mr. Cooper even sent me a check for a Payoff refund check dated XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX my ATM debit card was not working so I went into the branch Wednesday XX/XX/XXXX to try to get another one. They decided that I should not come into any of their branches anymore and closed all access to my accounts in the computer and told me that they would send me my account balances via mail. They did not say when they would be sending it. Before they closed all access to my accounts on the computer I was able to get the last 4 numbers of the accounts and the balances. My account ending in XXXX has {$830.00}, my account ending in XXXX has {$100.00} and my account ending in XXXX has XXXX. I think it should be illegal for them to cut me off from my money and at the same time tell me not to come into their branches anymore. I was right there in the bank yesterday they should have cut me a check right then since they don't want me contacting them. I am afraid that I will not get my money from them because I do not have the full account numbers. The full account number does not show up on the computer I would have to search for it. But now I don't have any access to my accounts on the computer. 
I don't have any faith in them that they will send me my money in a timely manner because back on XX/XX/XXXX I sent them {$200.00} attempting to pay a credit card bill but I accidentally sent the {$200.00} to an account that I had with them that has been closed for about 9 or 10 years ago. So last week on XX/XX/XXXX, XXXX I went into the branch attempting to get my {$200.00} back and they said they don't know where it is and can not look for it because I don't have the full account number. I showed them my bank statement that showed I sent it to an account number ending in XXXX and my bill pay bank gave me a trace number so that they could trace what they did with the {$200.00} they sent them. The trace number for that {$200.00} payment is XXXX. They claim that the trace number does not help. They claim that the only thing that will help is for me to give them the complete account number. There is no way I can give that to them from 9 years ago. Don't think I ever really had it because everything is always the last 4. I really want my {$200.00} that is floating around there somewhere.

Company response to consumer: Closed with explanation