vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: MN

Complaint narrative:
I received two phone calls from this company demanding payment on a debt. No written information was provided on the debt. Shortly after receiving the first call from this company a written dispute and request for validation letter was mailed on XX/XX/XXXX. During a second call with the representative I again informed her the account was in dispute and that I had requested validation of the debt. 

Today, XX/XX/XXXX this agency has reported the account to the credit bureau, did not indicate the account was disputed, and has failed to provide verification of the debt as requested on 2 separate occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Claim ID case # XXXX with Experian representative. Disputed inaccurate credit report data reporting. I have disputed multiple times within the app and online with Experian website to correct data since XXXX. Experian website credit report pulled on XX/XX/1921 Report # XXXX showing multiple accounts with XXXX for the month of XXXX or CO with the month of XXXX. These accounts were settled in XXXX. I have mailed off proof of receipts and payments in XXXX. These accounts were closed by the original creditors years prior. XXXX, XXXX, XXXX and XXXX. When calling into Experian they claim those do not show XXXX or XXXX but rather accounts are closed and settled. The credit report pulled same day as phone conversation with employee do not match credit 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 2021-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance CAS, LLC
State: FL

Complaint narrative:
As of XX/XX/XXXX the XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX altered our maintenance fees, but didn't notify the unit owners. I found out this some 45 months later when i received the letter from debt collector ALLIANCES CAS. : COLLECTION DEPARTMENT, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FLORIDA XXXX, on XX/XX/XXXX Now they claim {$13000.00} for the maintenance fee difference, plus the management falsely claimed the maintenance fees for XXXX, XXXX and XX/XX/XXXX which i paid on time, and they already deposited long before they sent me the notice letter about this debt. 
As soon as i sent them the proof of payments they kept very quiet about this. 
They made an attempt to collect fraudulent debt but it didn't work out for them. 
I have an other issue with the same debt collector, i am getting this letters claiming i owe debt but i sent them the proof of seven ( 7 ) monthly payments, and now if i don't pay {$3500.00} within 45 days a lien could be placed on my apartment.

This notice letter came on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
To whom it may concern : I mailed out a mail certified debt validation letter to Southwest Collections on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. Southwest responded with another collection statement, no other details or proof of validation on XX/XX/21. They continue to contact me and send me statements ignoring my concern. The three bureaus said it was accurate/updated but not one bureau truly investigated my case. I have not seen or received any validation of this debt. I do not have a heavy list of creditors, nor do I apply for credit cards. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: GA

Complaint narrative:
Upon checking my credit report l, there was collection for Collection Bureau of Hudson Valley I requested information to verify the debt from collection agency, they only had my current address. After I researched the original company and I found out this collection is for a cable service in Florida. Ive never lived in Florida. Ive disputed this with the credit bureaus with no success. This debt is not mine, and I can not afford to pay for something that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: SC

Complaint narrative:
From XXXX XX/XX/XXXX I received daily phone calls from Greensky Loan Servicing demanding payment if I have missed my due date for payment. They have done the same multiple times in the past since I took out the loan on XX/XX/XXXX. In fact, since I took out the loan for medical reasons, everyday past the day my loan is due, I receive phone calls everyday until I make my payment. I have asked them repeatedly to stop calling me every day and that I would make the payment as soon as I had the funds. Despite this, I continue to receive harassing phone calls as early as early as XXXX XXXX on XX/XX/XXXX. I have informed them that I would be lodging a complaint and asked them repeatedly to stop calling me every day. They have not been deterred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I am the consumer in fact, a natural person and a federally protected consumer under title 15 chapter 41. This complaint is a result of unfair & deceptive practices that harmed me, a consumer privacy, defamation of my character & reputation. 

I have sent a letter to XXXX on XX/XX/XXXX demanding that those inquiries ( transactions ) to be removed from my consumer report based on 15 USC 1681a ( 2 ) ( b ).

Those inquiries were not removed.

I the consumer and the card holder didnt not benefit from the extension of credit to the financial institutions below that resulted in adverse action. 1681a ( K ) I didnt benefit from the extension of credit and didnt give any explicit authorization and written instruction for it to be furnished on my consumer credit report. This is a clear violation of my privacy and defamation of my reputation. 

The above are clearly FCRA violations of my federally protected consumer rights and therefore all the disputed inquiries should be removed from my report immediately. 

Disputed inquiries to be removed immediately : AMERICA CREDIT ACCEPT on XX/XX/XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have two XXXX accounts for XXXX XXXX and XXXX. Both accounts were advertised as XXXX interest during the Covid shut down, and were opened in 2020. However, the billing dates are unclear. Each bill has a different due date. All bill notices are sent the day after the due date. Often, I pay the bill twice in one month only to be charged a late fee. Clearly, the goal by Synchrony is to charge fees, by creating confusion about when the bill should be paid, while advertising zero interest. Please address this matter as it creates usurious and predatory billing. Thanks.

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 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I closed my Paypal account. They owe me XXXX and change, it has been over 8 months. I have waited for the refund check, which they claim to have sent 3 times. It has not come. No matter what I say, there are excuses, like the address was wrong ( which it wasn't ), anything. I'm tired of their excuses. How many seniors are they not refunding?

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 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for a business credit card with Chase Bank XXXX credit card. I read the terms and conditions of the application and provided all requested info. I did not give authorization for Chase to pull my personal credit, nor was I asked to pull my report. I received a hard inquiry without my consent. I called the creditor and explained I read the terms and conditions and no where was I asked permission to pull my credit. I requested a removal and was told they could not remove it but will update the application to include a request to access credit reports in the future. I called XXXX XXXX and they said to request a deletion letter so I the creditor again and was told they can not give me a deletion letter for an online application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: GA

Complaint narrative:
I am the consumer in fact, a natural person and a federally protected consumer under title 15 chapter 41. This complaint is a result of unfair & deceptive practices that harmed me, a consumer privacy, defamation of my character & reputation. 

I have sent a letter to TRANSUNION LLC on XX/XX/XXXX demanding that those inquiries ( transactions ) to be removed from my consumer report based on 15 USC 1681a ( 2 ) ( b ).

Those inquiries were not removed. 

I the consumer and the card holder didnt not benefit from the extension of credit to the financial institutions below that resulted in adverse action. 1681a ( K ) I didnt benefit from the extension of credit and didnt give any explicit authorization and written instruction for it to be furnished on my consumer credit report. This is a clear violation of my privacy and defamation of my reputation. 

The above are clearly FCRA violations of my federally protected consumer rights and therefore all the disputed inquiries should be removed from my report immediately. 

Disputed inquiries to be removed immediately : XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/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 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
My mortgage was sold to Mr. Cooper. On XX/XX/2021 they deducted {$1500.00} for " Hazard Insurance '' from my escrow account to " XXXX XXXX '' XXXX never received these fund and I received a cancellation notice. I ended up paying full cash for the policy, and the total wasn't even correct. This is unacceptable and Mr. Cooper has stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I opened a Sam 's Club Mastercard. The card was issued by Synchrony Bank and it is financed by Synchrony Financial. On XX/XX/2021 I received an email notifying me that I have a {$25.00} statement and payment is due XX/XX/2021. A week later, I received the statement in the mail. This statement that I received is a deceptive form and this alleged debt that they say I owe is false. I, as a consumer, do not owe any debt. The alleged debt is in a positive balance. I can not pay something on a positive balance. It is also deceptive because they are saying I have to send payment to them when in fact they are suppose to send payment to me. I am the original creditor and I am the one who originally extended credit to Synchrony Bank. Pursuant to federal law, I am not suppose to be making any payments to them. I have notified Synchrony Bank of this through certified mail and green return receipt ( I don't believe I will receive the green return receipt because the documents were sent to a po box ). I sent them an Affidavit of Truth along with the exhibits of individual actions that they have committed towards me. After I received that statement I still continued to use the card and I have not made any payments to Synchrony Bank. They have added on a interest fee and a late fee to the total outstanding balance.

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 2021-10-27 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft ALLY FINANCIAL Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Dynamic Recovery Solutions reported a collections account to my file on XX/XX/XXXX. I do not recognize the name XXXX, the creditor listed. 

I sent a debt validation letter on XX/XX/XXXX, via certified mail, which was received on XX/XX/XXXX. USPS Tracking : XXXX Today is XX/XX/XXXX, and I have received no response. I am requesting that this item be removed from reporting to the credit bureaus, as I have received no proof that this debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XXXX I was scammed by a person on XXXX who was claiming to be someone who I could by concert tickets from. I contacted Chase customer service to see if they could stop or cancel the transactions, but they said that they could not because the money had already gone through to the other person 's account because I sent it on XXXX. They gave me a different phone number to call, so on XX/XX/2021, I called this other number for Chase customer service and the woman I talked to helped me file a claim, but also told me that the only way for me to get my money back was for the individual to send it back. She told me that they would be in contact with their service provider and I would likely hear back in 5 business days. I told them that it was a scam and the person would not get back in touch with me. They gave me the phone number for reporting fraud, so I filed a report about fraud. I would just like my money back and I have tried reaching out and requesting the money back but I have not heard back from the scammer. Chase said in the event they could not refund me the money since I was the one who sent it. I sent this person a total of {$500.00}. It was in four separete transations. three of them went to the same email on XXXX and the last one went to a different email on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance XXXX XXXX Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Balance {$310.00} XXXX XXXX XXXX-Balance {$5000.00} XXXX XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 my cryptocurrency got transferred to an external wallet without my consent. {$700.00} out of my account was cleared completely. 

I had XXXX SHIBA INU Coins and XXXX DOGE coins. 

I have 3 layers of security on my account so I do not understand how this could happen. 

I told them as soon as I saw the emails and they had me prove my identity only for 6 days later to tell me that there is nothing they could do about it and that I will not get my money back.

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 2021-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I recently received a letter from an auto loan company saying I owe XXXX dollars for a car that I never had. I checked my credit report I saw collection accounts for accounts that I've never had. I called the police they told me I may have been a victim of identity theft.

Company response to consumer: Closed with explanation