vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 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: DISCOVER BANK
State: NC

Complaint narrative:
XX/XX/XXXX I mailed an Opt Out Notice and validation request to Discover. I requested that both accounts acct XXXX XXXX  be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence of your license numbers and your registered agent ; DISCOVER ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. 
Discover never produced any of the requested information above including any such contract with both my wet signature or theirs. 
The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character Capital one is in violation of multiple US Codes, Privacy Act of 1974 and FCRA. All DISCOVER accounts are to be removed from my credit report Per 15 USC 6802. Discover has stated in their own privacy policy that I have the right to opt out of sharing to non-affiliate and they are not affiliated with any of the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 90 Days Late Past due amount {$360.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$0.00} Unauthorized inquiries XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I started loan at XXXX 2 years ago.Some payments not going to XXXX2 year later I owe XXXX with a payment of {$690.00} that doesnt make sense.During my bankruptcy looks like wasnt applied right when I paid during that time.I understand that I have deferred some but to only go down XXXX in 2 years. Makes XXXX sense.I call they are so rude and dont wan na help you XXXX is applied to interest and principal differently.I had late fees for longest even tho I made payments.

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 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
Land lord XXXX XXXX is sueing me for false charges of theft and fabricated/forged a move out check list for validation. We moved out as of XXXX debt was {$1000.00} The debt has been passed to Metro collection services in XXXX Colorado in who claims the debt is valid with proof of the forged/ fabricated move out check list. ( Here say ). Metro sent many notices very rude, aggressive threatening to contact my employer. XXXX our case manager is just a bully saying things like " it doesn't matter if it's valid the courts sides with the property owner. " Sending carriers to my house/place of business with payment request. the last XXXX on XXXX was requesting {$1100.00}. {$79.00} of added interest. Metro collections are sueing all three tennents individually and essential trying to collect 3 times the amount that is own plus interest. I responded with a dispute letter denying debt based on false claims of theft forged/fabricated documents. I sent a ceist and desist letter as well requesting a court summons stating that I don't believe the debt is valid and their proof is not acceptable. They have still not pursed this in court and continue to harass me at home and my place of business. They have also place a negative mark on my credit based on fraudulent claims from XXXX reality.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: NC

Complaint narrative:
- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Incorrectly fees and over draft fees Had multiple fraud issues Inccorectly adding mortgage application

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: Metro Collection Service Inc.
State: CO

Complaint narrative:
Land lord XXXX XXXX is sueing me for false charges of theft and fabricated/forged a move out check list for validation. We moved out as of XXXX debt was {$1000.00} The debt has been passed to Metro collection services in XXXX Colorado in who claims the debt is valid with proof of the forged/ fabricated move out check list. ( Here say ). Metro sent many notices very rude, aggressive threatening to contact my employer. XXXX our case manager is just a bully saying things like " it doesn't matter if it's valid the courts sides with the property owner. " Sending carriers to my house/place of business with payment request. the last one on XXXX was requesting {$1100.00}. {$79.00} of added interest. Metro collections are sueing all three tennents individually and essential trying to collect 3 times the amount that is own plus interest. I responded with a dispute letter denying debt based on false claims of theft forged/fabricated documents. I sent a ceist and desist letter as well requesting a court summons stating that I don't believe the debt is valid and their proof is not acceptable. They have still not pursed this in court and continue to harass me at home and my place of business. They have also place a negative mark on my credit based on fraudulent claims from XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: MS

Complaint narrative:
I was solicited by a travel company ( XXXX XXXX XXXX ) that provided false claims regarding a wholesale travel membership that turned out to be fraudulent. I was told by this company if I didnt use the service, I would not have to pay for it. Once discovering it was a scam, I contacted the company to cancel the membership ( which according to my state law in XXXX have the right to do within three days ). When I was then told I could not cancel, I asked for a copy of all documents with our agreed upon terms. Monterey Financial has still not provided me any evidence of our original agreement indicated by my signature. As you can tell in the documents, the claimed time stamps simply say esigned with a timestamp and IP address that ( XXXX ) are replicated in multiple places ( which would be impossible to sign multiple pages at the exact same time ), ( XXXX ) timed at XXXX, and ( XXXX ) is not even my IP address ( I have attached documentation to verify this is not my IP address ). I was also originally told that the documents would be in XXXX, which i have an account in and would be able to view completed documents once signed. Once I addressed this concern, they then claimed they were mistaken in the signature collection software and it was some other software that was used. It is clear that the documents were altered and do not contain our agreed upon terms. After reporting the travel company for fraudulent practices, I have not heard from them after filing disputes. However, this company, Monterey Financial, has provided NO written notification about any attempt to dispute claimed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: FL

Complaint narrative:
Bank of America closed my account on XX/XX/2021. I was told I would receive a check with my remaining funds come that date. Original date was XX/XX/XXXX, I still have not received my funds. There is {$15000.00} in the account. And Im going to be evicted without it. Nobody has helped me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Pay Pal LLC invoice scam. Legitimate email from actual true Pay Pal that is a SCAM invoice. XXXX Hello, PayPa Client Here 's your invoice PayPa LLC sent you an invoice for {$360.00} USD View and Pay Invoice Buy now. Pay over time. 

Simply select PayPal Credit at checkout and enjoy No Interest if paid in full in 6 months. Subject to credit approval. See terms. US customers only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Utilization is an experience created by credit usage. Experian is furnishing utilization to my consumer report and they do not have my permission to do so. I have notified them via letter in the mail, that they needed to delete utilization from my consumer report. They refuse to do so, which is a VIOLATION of my consumer rights. I never gave Experian written instructions to report utilization. according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of this utilization is accurate and my privacy has been violated by allowing this utilization to report to my consumer 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 2023-02-08 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc.
State: IL

Complaint narrative:
I received a bill from XXXX XXXX for anestesia that was provided for my daughter at XXXX 's in XXXX. I contacted XXXX XXXX to let them know they filed the insurance claim against me, not the patient, my daughter. My daughter had already met the XXXX deductible, thus, the cost would be borne by my insurance company. XXXX XXXX acknowledged the error and stated they would resubmit the claim properly to XXXX in my daughter 's name. 

I then received a notice from American Accounts & Advisers dated XX/XX/XXXX indicating they were attempting to collect my debt of {$570.00} shortly thereafter. I notified them of the above, they indicated that it was too late to submit to insurance and that I owe them the money now. I disputed the charge at that time. 

I received another notice on XX/XX/XXXX that I owe them the money. 

And have now received a notice on XX/XX/XXXX that I owe them the money and threatening legal action. I called them again today, XX/XX/XXXX, to find out what the dispute process is- they indicated their attorney may contact me but that they had noted this account was in dispute in XX/XX/XXXX as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Key Mortgage Services
State: FL

Complaint narrative:
I believe there is an illegal compensation kickback scheme at Key Mortgage Services XXXX Inc. NMLS # XXXX between employees XXXX XXXX XXXX and XXXX XXXX XXXX. Further, former employees XXXX XXXX and XXXX XXXX XXXX XXXX were terminated to cover up the system. Several current employees informed me of the scheme but are too scared to make a complaint because XXXX and XXXX were fired for bringing up the info.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation