vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: International Computer Systems, 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. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to dispute charge tickets of {$1300.00} to my Ending in XXXX from the XXXX XXXX XXXX account on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The charge is in error and unfair and my economic situation was affected by this balance, I was overcharged, because I request the full cancelation on XX/XX/XXXX XXXX  request by the passengers past away, the country close the entry passengers from the USA, also my parents XXXX XXXX XXXX XXXX and XXXX XXXX XXXX de XXXX get XXXX XXXXXXXX virus and they admitted in ER on XX/XX/XXXX XXXX, Colombia for 18 days, Unfortunately, they are unable to recover from the virus and pass away, I mailed certified of dead. 

I contact Customer Service XXXX : XXXX the represented promised to void, cancel and remove these charges by my loss and because no one use or pretended to use these tickets and I never received them. 
I am requesting and informed of this tragic situation that the error is corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Also, request this company stop check my credit for no reason. 
Enclosed are copies of certified supporting my position and experience. Please correct the error on my account promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions 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. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
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. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP 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. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
I am one payment of XXXX dollars behind my loan company called today on XX/XX/XXXX told me XXXX u its up for repo and hung up on me I plan on paying it as soon as I get paid next week Wednesday when ill still be only one payment behind I have been sick and in and out of work due to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions 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. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT 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. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing in regard to my XXXX  XXXX  Select Master Card account that I got in XX/XX/XXXX. I renewed my card last year ( XX/XX/XXXX ) because I was told I would receive a companion flight ticket on every anniversary date if I renewed. As I realized I was approaching my second anniversary ( XX/XX/XXXX ), I called to find out how I could redeem this benefit and obtain my companion ticket for the first year. I was told that the companion ticket benefit was discontinued, but if I had spent {$20000.00} during my first year I would have received a {$120.00} flight discount voucher, which is the benefit that replaced the companion ticket. I was also told that I did not spend {$20000.00} my first year or my second year, so I am not entitled to this benefit. 

I have spent much more than {$20000.00} in each of my two years since obtaining the card. I asked to speak to a supervisor, and was told the exact same thing, that the records indicate that I did not charge enough to receive the benefit. I was instructed to write a letter asking for a review which I did but did not hear back. 

Furthermore, I feel that this is consumer harm because theyre not accurately reporting my credit usage and payment history, which could adversely impact my credit. 

Below are the statement balances since I obtained the credit card : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$3700.00} XX/XX/XXXX : {$4100.00} XX/XX/XXXX {$13000.00} XX/XX/XXXX {$4700.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3200.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$3300.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$5700.00} XX/XX/XXXX {$5400.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$5700.00} XX/XX/XXXX {$3900.00} XX/XX/XXXX {$5400.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$5100.00} XX/XX/XXXX {$13000.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$5000.00}

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions 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. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions 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 XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-09-29 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 literally at the end of my ropes I've been victimized and I have done everything but get a lawyer involved. I am a victim of identity thief, these accounts are not being reported with my consent. Yet, here I am being harmfully punished behind this crime I don't get it.In no way is this lawful its a violation of my privacy and i feel I have to get a lawyer involved for my justice. i have reached out to everyone and no one has responded yet!

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 2021-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: WA

Complaint narrative:
On XX/XX/XXXX I took a loan of {$800.00} from spotloan with the agreement of making 8 biweekly payments of {$200.00} ending XX/XX/XXXX. Even though this was already an insane interest rate, I agreed since I needed the money. At the end of XXXX I missed a payment and when I received an email regarding this and that they were no longer authorized to withdrawal from my bank I was informed that my new payment schedule was to make 12 more biweekly payments of XXXX $ until XXXX of 2022. What the XXXX? So not only am I back at where I started paying off the loan but I have to make even more payments than originally agreed. On top of the XXXX $ I had already paid off! This is insane and has caused immense financial and emotional stress. These people know exactly what theyre doing and they dont give a XXXX. They swindle poor working class people in dire situations while they line their pockets with millions. Absolutely evil and disgusting. They deserve to not only be XXXX down, but also rot in jail and compensate families theyve caused financial distress to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
We were buying our leased car at the end of the lease and paying with a check. We were required to authorize the dealership to pull our credit report. This was totally unnecessary since we are not applying for a loan. In addition, they collected our income and mortgage payment information. We were not provided by a good reason why we need to provide this information. 

This happened at the XXXX dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Convergent Resources, Inc.
State: VA

Complaint narrative:
I was wrongly accused and penalized on my credit report by the following companies : -Convergent Outsourcing for {$510.00} on XX/XX/XXXX XXXX XXXX for {$910.00} on XX/XX/XXXX XXXX XXXX XXXX  for {$710.00} on XX/XX/XXXX I've already taken the time to dispute all charges. 

These collection accounts have had an adverse effect on my credit and I would like them to be removed expeditiously.

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX 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 XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Attention : Consumer Financial Protection Bureau I sent a letter to XXXX XXXX BANK XXXX XXXX disputing an account as erroneous on XX/XX/2021, and mailed XXXX XXXX BANK XXXX XXXX a certified letter, return receipt requested. It is now XX/XX/2021 and I have not received a response from XXXX XXXX BANK XXXX XXXX. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), XXXX XXXX BANK XXXX XXXX has ( 30 ) days to investigate my dispute. XXXX XXXX BANK XXXX XXXX has not verified the information within the 30 day time period, XXXX XXXX BANK XXXX XXXX must delete all of the disputed accounts from my report. XXXX XXXX BANK XXXX XXXX must now delete the disputed and unverified account. Failure to do so may result in a {$1000.00} fine per undeleted item. 

Attached is a copy of the postal receipt of my credit dispute to XXXX XXXX BANK XXXX XXXX and a copy of my original letter showing the account I have disputed. 

Thanks in advance to your timely response to this request. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Received letter in the mail that someone tried opening a checking account with Wells Fargo and was declined. On or around XX/XX/2021, I did not authorize this transaction. Also there were several other attempts to open leasing accounts that were not authorized nor did I apply for these accounts. This has severely decreased what credit score I had left. Account was trying to open in my previous married name XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I do not have any account with this company, have never heard of them and this needs to be deleted.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I was wrongly accused and penalized on my credit report by the following companies : -XXXX XXXX  for {$510.00} on XX/XX/XXXX XXXX XXXX for {$910.00} on XX/XX/XXXX -Portfolio Recovery Associates for {$710.00} on XX/XX/XXXX I've already taken the time to dispute all charges. 

These collection accounts have had an adverse effect on my credit and I would like them to be removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I was wrongly accused and penalized on my credit report by the following companies : -XXXX XXXX for {$510.00} on XX/XX/XXXX -Midland Funding for {$910.00} on XX/XX/XXXX XXXX XXXX XXXX  for {$710.00} on XX/XX/XXXX I've already taken the time to dispute all charges. 

These collection accounts have had an adverse effect on my credit and I would like them to be removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went into chase branch and opened one checking account few months ago but a week or two weeks later find out they restricted my online banking so I called and got told they needed me to go to the local branch to show ID. Then I found out today that they closed my accounts. The branch agent told me on the phone. I called Chase customer service and another agent confirmed my accounts were closed. She also said Chase has banned me as a customer. She didnt give an explanation why. I asked to speak with a supervisor and she transferred me but instead hung up on me. I was on hold for an hour before the lady got on the line in the first place. My XXXX report also shows no issues.

Company response to consumer: Closed with explanation