vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certegy Holdings, LLC
State: CA

Complaint narrative:
I received a letter with my correct name and address regarding a " company payroll check # XXXX in the amount {$12000.00} '' that was returned unpaid. This is a check paid to a supermarket ( XXXX XXXX XXXX in XXXX, CA ) that I have not been to regarding use of cheques which I haven't done in years and finally it is for a spectacular total for groceries for a family of XXXX. And it's for a " company payroll check. '' I have no business, nor employees. 

I have listed Certegy as the origin of the " debt. '' It does appear that XXXX uses Certegy but I have not used XXXX at that location or very much in person in the past year and I haven't used a cheque in ages, much less a " company payroll check. '' The two companies involved are both disreputable and may be intertwined in some way. They are the so-called client and now owner of " my '' fictitious check - Certegy Payment Solutions , LLC and the " collectors '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL ( surprise! ) XXXX at XXXX with claims accounting address in XXXX, FL. They seem to be " legit '' companies engaged in scams.

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 2021-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
on Friday XXXX XXXX  XX/XX/XXXX, I receive a call from my lobby saying a unidentified gentleman is here to " repo '' my vessel. I let them know Im on my way down to see what the matter is as well as who this main is and what he claims. The receptionist then tells me he has already trespassed on the property to private storage of my vessel. He does not disclose how he is or who he is representing, later validates he is contracted with NAVY FEDERAL CREDIT UNION.Showing only an order with my personal sold information and dwelling. I decided to call the police ; as we went over these matters, the man proceeds to trespass into car storage with tow truck. After standing my ground to my proven claims, he then leaves as well as XXXX Police this man nor company has any contracts with myself nor this vessel. I still have not received a response from CEO XXXX XXXX or Chairman XXXX of NAVY FEDERAL CREDIT UNION. I feel threatened as well as pain from the injuries this man has caused. Under FDCPA 809B,806, and 807 they have violated my consumer rights and rights under the Articles of Confederation. In addition, using harmful and illegal debt practices under 15 USC 1692. I am handling all civil affairs as needed but I will not tolerate this. XXXX XXXX XXXX this same man is snooping around the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My husband and I have been sending money to XXXX via my brother XXXX to finish a building project we have been working on since XXXX with target date of completion by XX/XX/XXXX. In XX/XX/XXXX my brother in was contacted by his bank to confirm he was not defrauding me. XXXX confirmed he was my brother and he was helping to handle the building project by organizing and paying the workers. In XX/XX/XXXX Bank of America reach out to me to update my profile to avoid account restrictions. My account was eventually restricted until I called and confirmed the personal information I provided when I opened the bank account. The Bank of America representative indicated that it was because of the number of international wires. My full account activities were then restored and we continued sending wire transfers to XXXX via my checking account. 
Then I received a letter dated XX/XX/XXXX from Bank of America stating my personal checking account and the money market account I share with my husband will be restricted from use in 21 days and closed in 30 days with no reason. I strongly believe this is a result of the legal international wires because there was no reason to close the Savings account which had approx. {$5100.00} with hardly any activity. 
I put this out to dual nationals in the XXXX community and some have stated this has happened to them. 
I strongly believe Bank of America is engaging in discriminatory banking practices by closing the bank accounts of hard working dual nationals based on national origin and should reverse this course. They need to be more educated about this community to avoid this type of discrimination. How will be able send money overseas for projects without relying on banks?

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 2021-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I opened a checking account online with Bank of America and got approved. Made a deposit transfer from a different bank to bank of america and the transaction was completed on XX/XX/XXXX. Was able to login and see balance with the recent deposit money on my bank of america account. Then bank of america closed my account and are now claiming there was never any money in my checking account. I have confirmed with my other bank XXXX that the transfer was completed on their end and bank of america is the one who lost my money. They refuse to find out where my money went and have not paid me back my money upon account closure.

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 2021-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Care Credit has been harassing me about a debt that I do not owe via telephone and mail. i have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Care Credit has violated my federally protected consumer rights by decreasing my credit limit and increasing my usage to damage my reputation via my consumer report. This is discrimination pursuant to 15 usc 1691. They ruin my reputation according to 15 usc 1692d ( 1 ) and financially injured a consumer by lowering the credit amount also now I have to work more to get the balance down to avoid that high debt to credit ratio by lowering the limit. These are unfair practices pursuant to 15 usc 1692f.

I have sent letters of me disputing this alleged debt. I have also sent them an affidavit of truth, debt validation, cease and desist.

I would like all payments returned back to me via mailed check and any part of the amount of the credit balance remaining. 15 usc 1666d ( C )

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 2021-08-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not authorized these inquries listed on this report. This is fraud

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 2021-08-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not authorized these inquries listed on this report. This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not authorized these inquries listed on this report. This is fraud

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 2021-08-22 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: FL

Complaint narrative:
I recently have been trying to get my credit right I thought I didn't have credit at XXXX  except a hospital bill but turns out on my report that they sent in a letter from my request there was something that I know I didn't have anything to do with small business loan that wasn't me I don't even have a business haven't even thought about starting one can you please look into this I don't even know how long it is been there on my credit report because I just started checking that kind of stuff even though I'm XXXX it seems kind of late but now I realize that I need credit to get pretty much anything including apartments which I desperately need right now working a job for four or five years now I can't give the amount of debt because little paper that the credit brewery sent me didn't say so I don't even know how much stay buried my name exact today 's date is XX/XX/2021 I just found out this mouth because I was looking for an apartment for the first time in my name and I'm being denied because of they said my credit and when I requested to report I saw that there was something there I didn't do and there is a laborpool name automation sent me a letter telling me someone has breached there system and I need to freeze my credit that was about 5 months back I think from now XX/XX/XXXX can't remember exact but I should have the letter I assume it may be a family member and if it is I am pressing charges whomever it was because they obviously didn't care about my personal life whoever did this

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 2021-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
Subject signed no contract. Subject is XXXX and is a a Federally - Protected Entity covered under ADA. I do not know or owe the company implied. The company DBA Merchants & Professional Collection Bureau , Inc. " Re - aged '' to XX/XX/XXXX supposed date which is an illegal action under FCRA. Company origin of location in XXXX, MI XXXX. Company committed Fraud, Identity Theft on all private accounts. Company Merchants & Professional Collection Bureau , Inc. will be brought before Federal court for Non-Compliance Violations Section 616 Civil Liability for will noncompliance. Section 617 Civil Liability for negligent noncompliance under [ 15 U.S.C. subsection 16810 ] Subsection 619 Obtaining information under False pretenses [ 15 U.S.C. subsection 1681q ] intent to violate title U.S.C subsections 1681h and 1681i ( a ) as well as 609 of the ( FCRA ) .MPCB Inc. violated 610 ( a ) ( 1 ) and is implementing " Undue Economic Hardship '', Intimidation & Fear Tactics by hitting credit reports 20 pts. violating a person 's " Right to Privacy. '' as guaranteed under the FAIR CREDIT REPORTING ACT. " An FDCPA claim has nothing to do with whether the underlying debt is or is not valid, An FDCPA claim concerns the METHOD of collecting the debt. It does not arise out of the transaction creating the debt. " *Spears/Brennan appeal from the XXXX Superior Court [. ] Azar, 874 f. Supp. At 1318. * footnote : See 15 U.S.C. subsection 1692k ( governing civil liability under the Act. Also cited Transunion LLC v. Ramirez. If Merchants & Professional Collection Bureau Inc. violated Laws applicable to this magnitude, then Merchants & Professional Collection Bureau also violated FDCPA Section 807 ( 8 ) Subsection 807. False or misleading representations [ 15USC 1692e ] Communicating or threatening to communicate to any person credit information which is known or which is to be false, including the failure to communicate that a disputed debt is disputed. Metro 2 Compliance, Defamation & Willful injury US Court of Appeals Ninth Circuit, No oo-15946, Nelson vs. Chase Manhattan. FCRA Section 623 CUSHMAN, v. TRANSUNION CORPORATION, US Court of APPEALS for the Third Circuit Court Case 115 F. 3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ). Also submitted Richardson v. Fleet Bank of Massachusetts, Bryant v. TRW because the submission is not in " Good Faith '' pursuant to Subsection Subsection 607 ( b ). Submission if not resolved for injury and undue Economic Hardship, XXXX  & XXXX  XXXX, will be the following submission in Federal Court for damages of an undisclosed amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This company do not have a legal agreement with me this company have not provided me with nothing with my legal signature with them this company fail to send anything that shows that l have a collection with them with there name on its and do they had a legal contact with me with my signature attached with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than XXXX XXXX is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization.

1. Please provide breakdown of fees including any collection costs. 
2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

There are inaccurate names and addresses listed on my credit reports that I have never lived at or may belong to a relative. 

My correct name is XXXX XXXX. Please delete XXXX XXXX and XXXX XXXX. 

My correct address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX OH, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX  to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization.

1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization.

1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
THERE IS INCORRECT PERSONAL INFORMATION LISTED ON MY CREDIT REPORT. 

My name is XXXX XXXX XXXX. Please remove these incorrect variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or XXXX belong to a relative : XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, 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