vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir or Madam please see attached letter. 

I was a victim of identity theft and there is a company that purchased a debt from a furnisher from 4 months ago that was deleted as a result of my being a victim of identity theft. XXXX took the time to review my account and noted that they deleted and blocked this account because of my documents on file that shows the original furnisher was in fact a part of my identity theft. I am now contacting you with hopes that you will do the same rightfully since this was erased. Attached again is me Federal Trade Commission Affidavit and XXXX Police Report of what should be on file from my original case. I believe this account is in dispute currently but should be immediacy deleted according to the FCRA and Federal Trade Commission per affidavit per FCRA 605b Thanks for your help and attention to this matter.

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 2019-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Ceannate
State: NC

Complaint narrative:
The I3Group is a harassing company and apparently they dont have information that they are claiming to have about my student loan. My loan is not in default but they insist that it is. I make my payments and when I look at my federal loan account online statements when they called they said that the information is not correct. They call from different numbers and are extremely harassing throughout the day. I am currently in the do not call registry and this company says it does not apply to them. They consistently ask for person information such as social security number, date of birth, and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/19 I was charged {$100.00} for insurance. Chase charged a XXXX In sufficient fund fee. On XX/XX/19 I transferred {$73.00} and was left with a negative balance of {$69.00}. And on XX/XX/19 I charged {$32.00} for gas and made a deposit of {$40.00} just two hours later to cover the fee for gas. I am now being charged an additional {$34.00} by chase because Of the negative balance of {$69.00} from the original insurance payment of the {$100.00} and they had already taken the overdraft fee from my electronic transfer of {$73.00}. They are refusing to reverse the fee even though I expressed my dissatisfaction of the insufficient funds fee being applied twice for the same transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi Bank reported my credit information to the credit bureau 's and had an incorrect name. My personal credit information appeared on a report of someone that I do not know or have any relation to. I have contacted Citi Bank who responded in writing requesting that I supply them with the name, address and social security number with a credit report for them to correct the problem. When I informed them I don't have that information they said that there is nothing they can do and will continue reporting my personal financial information to that individuals account. They DO NOT protect your personal information which is a serious violation of ethics.

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 2019-11-20 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: CREDIT ACCEPTANCE CORPORATION
State: PR

Complaint narrative:
It was happened in XX/XX/XXXX  were XXXXXXXX XXXX XXXX in XXXX XXXX XXXX sent the title of the loan to Motor Vehicle Registration. They sent the title to me. It cause to Credit Acceptance Bank close the loan because of the tittle. The dealership call me to renegotiate the loan because of the mistake. They took the car in XX/XX/XXXX XXXX. 

I keep communication with the bank, because the promised sent all my money I pay to the loan. ( {$1400.00} ). In multiple times they sent to paycheck at my name to the dealer, but the dealer lie me, justifying they don't received the check. But Credit Acceptance sent my check. 

I decided move to XXXX XXXX in XX/XX/XXXX. I called a lot of times to Credit Acceptance to report I will leave XXXX to other address ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX ). The told me they will consider send to me a new check. In XXXX the sent again the new check to dealership in XXXX XXXX. 

I need recover my money ( XXXX ). additional I Pay {$1500.00} of down payment. I made payments of the insurance ( XXXX ) for more than one year. It affected my credit because of loss my car.

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 2019-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: WI

Complaint narrative:
I have contact the company every month since XX/XX/2018. I've asked them to supply me with documentation bearing my signature of a contract that we have for goods or services, and they have failed to do so. 

The company is claiming that I owe them {$1900.00}, which is untrue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
As I stated I have attempted to get in touch with XXXX  a numerous times, and it seems like all of those attempts to even try to open up a case were ignored. They never followed up according to my recent credit report request. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). 
This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX  TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. I have never been to college and I do not have any student loans. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/ 2019, I requested an investigation on one of my accounts that showed an erroneous payment status the last three months the account had a balance on it before it was paid in full. 

The agency corrected this error by verifying my concerns with the creditor and all payment status for this account is accurate. However, the credit reporting agency ( TU ) placed a conflicting summary ( Remark ) of the investigation on this account that could be misleading to a potential creditor. I have asked TU on two separate occasions, in XXXX and XXXX, for the Remark to read in proper context and accuracy. The current Remark reads, " DISP COMP-CONSUM DISAGRS ; CLOSED ''.

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 2019-11-20 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: IL

Complaint narrative:
CRA is in continuous violation 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir or Madam please see the attached letter. I was a victim of identity theft and there is a company that purchased a debt from a furnisher from 4 months ago that was deleted due to me being a victim of identity theft. XXXX took the time to review my account and review my documents and noted that the deleted and blocked this account because of of my documents on file that shows the original furnisher XXXX XXXX was in fact part of my identity theft. I am now contacting you with hopes that you will do the same rightfully since this was deleted. Attached is my Federal Trade Commission Affidavit and XXXX Police Report that should be attached to my original case and file. I have also reattached for your review. 

I hope that you can see what they are trying to do and follow what your counterpart XXXX has done to protect me the consumer. I appreciate the job you guys did to get my case resolved and the hard work to clear me and help me resolve my identity theft. Thank you Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
WesternUnion XX/XX/20 - I contacted the WesternUnion after sending {$1300.00} USD to someone in XXXX. The bank in XXXX said all 4 of his names needed included. I submitted 3 of his 4 names. I called WesternUnion 4 times to change the name and they spelled the name incorrectly every time until they told me they could not change the name. They told me they could refund me the money but wanted me to wait 7 days. This was a WestenUnion problem and the money I sent was for plane tickets. I should not have to wait 7 days for WesternUnions mistake. The manager on the phone also continued to call me maam and I am a Male not a female. I corrected him and he continued. Customer service was terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TMAGNUSONE Inc
State: FL

Complaint narrative:
On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. I have never been to college and I do not have any student loans. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you

Company response to consumer: Untimely response
Consumer complaint received 2019-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I opened a checking with Bank of America in XXXX that was an electronic account that had no monthly fees, as long as all transactions were completed electronically without visiting a bank location. I just recently found out that BoA started charging me monthly fees for this checking account from XX/XX/XXXX until now due to inactivity. To be clear, I honored the original terms of the account by never visiting a bank location. I called BoA on XX/XX/XXXX and was told the monthly checking fees will be refunded once the account is active again. The BoA representative said the account would be active in 2 days. I called XX/XX/XXXX to check whether the account is active and the status of the refund. The BoA representative today told me that BoA could not refund all the monthly fees because the BoA " system '' only allows them to access the past year, so only 12 months of monthly checking account fees could be refunded. The monthly checking fee is {$12.00}.

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 monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
After receiving {$500.00} payment through an invoice, my account was permanently limited for no reason. The buyer was satisfied and confirmed that they have the product so the 21 day hold was released, after that I attempted to send an instant transfer into my bank account. The instant transfer was unable to be completed so I called PayPal and the rep explained that since my account is brand new the instant transfer takes 24 hours in order to validate the bank account they are transferring the funds to. After waiting 24 hours I looked into my account and saw that Paypal charged me {$0.00} and then gave the money back, but did not transfer the {$500.00}. I checked my Paypal account and saw a notification about a permanent limitation on my account in which I have to wait 180 days to receive my funds. After being on the phone with customer service all day, I was unable to get an explanation as to why my {$500.00} is being held for 6 months!! Customer service was terrible, rep answered the call and kept me on hold for 30 minutes, there is always a long hold period to speak to somebody that is unable to service this issue and resolve it. There is no issue between the buyer and seller, this issue is with PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
I have disputed the incorrect reporting of my Kay Jewelers account as it is listed as closed. The account was opened in XX/XX/2018. My account has never been delinquent and all payments have been made on time. I have also called the company on multiple occasions to resolve this matter and it has not been corrected. This is a huge error that has negatively affected my credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.

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 2019-11-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have sent certified letters to XXXX with police report attached current bill and my drivers license. All I get is account has been verified in every letter. According to my recent credit report request. All ask is send me proof from the creditor that I authorize these credit pulls on my file. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). 
This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX  TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE.

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