vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I have received a letter from the mail on XXXX XXXX from some debt collection company called cbe group ( XXXX XXXX XXXX XXXX XXXX, IA XXXX ). They sent me a bill for XXXX for a debt they claim from XXXX. I have never purchased or sold anything on XXXX. The letter I received states that I have 30 days after receiving their notice to dispute the validity of the debt or any portion thereoff, otherwise their office will assume the debt is valid. I believe this company is completely fraudulent and not sure if I should even contact them. Not sure what to do if anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase ( R ) XXXX  ( R ) with XXXX ( R ) : We received a transfer request of {$490.00} to XXXX XXXX. To stop this transfer go to XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I XXXX XXXX want to file a complaint about Nationwide Credit Inc.

We had a home equity line of credit junior lein on our home. This loan was sent to Nationwide from XXXX loan services. 
I found out the account was with Nationwide after calling XXXX one night to get status on a modification application.

I contacted Nationwide and explained they have the account by mistake and can they contact XXXX. Nationwide refused to contact XXXX and they sent me this collection letter they said. I never saw this letter till XXXX produced it for me to see. 
I explained to Nationwide we want to keep this home and can they work with us.

Went over with Nationwide why we defaulted on the loan due to medical bills in our family that we're large.

The representative of Nationwide tried to get me to pay a small about of the loan like {$200.00} each month. I told him I would not as the loan was {$100000.00} and {$200.00} a month would not cover the loan. 
The statute of limitations had passed and he was trying to get me to pay to restart the statute. We were still current on the first lein and still asked Nationwide to contact XXXX about this as we want to keep this home. This is our family home. 
Nationwide rep informed me we have nothing to do with XXXX and only collect for them. The representative told me to submit application of hardship and submit pay stubs medical bills and our monthly living expenses.This was done twice and Nationwide rejected the application stating there was equity in our home. 
We could not afford to pay the lein and made a decision to sell the home as we went from perfect credit to bad and not even able to get a loan for a new car. 
We sold in 2017 and last year I was informed by a friend that XXXX XXXX XXXX owned Nationwide at the time I was dealing with them. The nationwide rep was untruthful and led us to believe they had no connection with XXXX. 
Nationwide and XXXX got paid when we sold the home. We fought for four years with Nationwide with no success. 
There was a program in place from the federal government if your first mortgage in modified they need to modify the second this is what we were looking for so we could keep our family home. 
Nationwide were deceitful.

I would like to hear what the Nationwide management has to say about this. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am personally writing this complaint. My consumer report shows that I have a collection account from XXXX XXXX which is now owned by XXXX XXXX, account number XXXX. This is in CLEAR violation of federal HIPPA laws as well as the FCRA. 15 USC 1681b ( g ) 1 ( A ) A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless the consumer affirmatively consents to the furnishing of the report ; AND this is in clear violation of 15 USC 1681 c ( a ) 6 which states, " ..reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services. '' They are describing the nature of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am personally writing this complaint. My consumer report shows that I have a collection account from XXXX XXXX which is now owned by XXXX XXXX, account number XXXX. This is in CLEAR violation of federal HIPPA laws as well as the FCRA. 15 USC 1681b ( g ) 1 ( A ) A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless the consumer affirmatively consents to the furnishing of the report ; AND this is in clear violation of 15 USC 1681 c ( a ) 6 which states, " ..reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services. '' They are describing the nature of 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 non-monetary relief
Consumer complaint received 2021-09-23 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: GA

Complaint narrative:
I am writing to dispute the following information that Experian has on file. 
XXXX XXXX XXXX Acct # XXXX This same account was removed from XXXX XXXX XXXX on XX/XX/2021. I have disputed this account twice and got the same result. Do all 3 credit bureaus abide by the same rules and regulations?

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 2021-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: NC

Complaint narrative:
In XXXX, XXXX XXXX offered me an opportunity to apply for a loan at a lower rate that would allow me to consolidate XXXX personal loans that I currently have with Lending Club. The total amount financed on XX/XX/XXXX was {$46000.00} ; they agreed to direct pay my loans with Lending Club and direct deposited the balance of {$2600.00} into my personal checking account. 
On XX/XX/XXXX, I was notified by Lending Club that they had received paper checks with my account number on them but they claimed that there was no name included so they would need some information ( loan number, issuing bank & check number ) from me before they would apply the funds to my accounts. ( emails in documents ) I was concerned about the amount that they claimed they received for the larger loan because it was {$2000.00} less than XXXX XXXX said they had paid. I contacted XXXX XXXX to get the information but was told that they would have to research it and get back to me. When I heard back from XXXX XXXX some time later and provided the information to Lending Club, I was told that the holding period had passed and they had returned the funds to XXXX XXXX. I again called XXXX XXXX to explain and was told that the checks had been cashed so as far as they were concerned, the money had been paid and there was nothing they could do to help me. 
I then went back to Lending Club several times to ask for proof that they had returned the funds but they were either unable or unwilling to provide me with any information. As it stands, I have no idea where the money is but both companies are charging me monthly payments. I have spoken to dozens of agents but have not been able to get this resolved. Although it appears Lending Club has the funds, I will also be duplicating this complaint against XXXX XXXX because they have not honored their agreement to pay off the loans. 
This has put a significant strain on my monthly finances and had a serious negative effect on my credit score. I have used savings to meet my obligations but will not be able to continue to make double payments. I need help to get this resolved because I feel like both companies have turned a deaf ear to the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I took several online surveys after making purchases at XXXX such as an XXXX XXXX XXXX phone. One agency cancelled a {$36.00} order, layer being able to take {$79.00} although I never made a purchase after the {$36.00} canceled order which came up XXXX items instead of one. Then XXXX took {$36.00} after I signed up for a {$1.00} shipping XXXX XXXX  which was OUT OF STOCK. The XXXX item I chose was also OUT OF STOCK, therefore I didn't chose a third item XXXX TOOK {$55.00} OUT + INT'L SHIPPING FEES OF $ XXXX. for the XXXX items OUT OF STOCK which I never re wives. XXXX is REFUSING to return the {$55.00} and TD BANK will not lete close out the account because it's overdrawn by this amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23 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: LEXISNEXIS
State: CA

Complaint narrative:
LexisNexis has compiled inaccurate information about me and without my consent. They have inaccurate DOB, inaccurate addresses listed for me ( many of which have never been associated with me )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I pulled all 3 of my credit bureaus and noticed several HARD INQUIRIES on my reports that I do not recognize nor authorized. They are as follows : XXXX on XX/XX/XXXX ( Never applied ) *JPMCB Card on XX/XX/XXXX ( Never applied ) *XXXX  on XX/XX/XXXX - I was told this would be a soft pull only because I was not leasing any equipment or phones from them. It was a hard pull, which I did not authorize XXXX XXXX on XX/XX/XXXX ( Never applied ) XXXX & XXXX XXXX on XX/XX/XXXX ( never applied ) I have contacted all 3 credit bureaus and was told to file a Consumer Finance complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Indigo already saying I owe {$720.00}. Dollars already only $ XXXX.credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I send a letter to Citibank ( Citibank retail service operations Attention : XXXX Mailroom XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ) on XX/XX/XXXX request a refund of {$48.00} of the monthly balance fee that they charged that they were not supposed to. My checking account was charged for monthly service for XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX despite that I had a balance of over {$1500.00} in my combined checking and saving account. Citibank did not combine my savings and checking accounts together for these months even though Citibank combined my savings and checking accounts before and after these months. This is a mistake on Citibanks behalf. I closed my accounts because I was recently scammed which caused me to look through all my balances. Please refund it to my new Citibank account.

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 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is complaint number XXXX follow up I received letter to call Capital One I called the number twice and agent to contact was busy. Another agent answered and I told her my concern She annotated my message to the contact on letter Once again what is further needed? 
We are talking about {$12.00} charge on XX/XX/XXXX for SERVICES NOT RENDERED If this " red tape continues I will stop using card for purchases!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BQ & Associates, P.C., L.L.O.
State: MO

Complaint narrative:
I contacted the company, XXXX XXXX XXXX XXXX XXXX ( XXXX  ). I kept getting transferred to departments where I could leave a voice message that was never returned ... departments where the phone rang without answer or rang about 3 times and disconnected. I tried for 5 years at least to get a full statement. My debt was transferred to a debt collector and finally received 2 statements within a short period of time. They were to small to really be legible. These statements were sent based on a voice mail I left. I wrote a letter of insolvency and was immediately sued. To date, I have called this debt collector about 5 times in the last 2 years and there has been return call. I am being bullied and harassed. My mental health is not great and I am suffering over this situation to say the least.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: AL

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: GA

Complaint narrative:
There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

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 2021-09-23 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: GA

Complaint narrative:
There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

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 2021-09-23 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: IN

Complaint narrative:
I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Regional Acceptance Corporation violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8

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 2021-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
On XX/XX/2021 I received the first notice from Convergent Outsourcing, Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX WA XXXX phone # XXXX dated XXXX About a debt in the amount of {$910.00} that I'm not aware of. This company place this item on my credit report on XX/XX/2021 without giving me the 30 days to dispute the validity of this debt.

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