vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP
State: VA

Complaint narrative:
I received a collection notification of a resolution opportunity from NSA or North Shore Agency that was dated XX/XX/2021. They state in the letter that they represent " HOUSE '' as the Creditor with NSA ID # XXXX & Creditor Account # XXXX in the amount of {$350.00}. I do not have an account with HOUSE COLLECTOR and believe that this collection agency is attempting to fraudulently collect from me money that I do not owe. 

I tried to contact them at the phone number on the letter and when I enter my zip code and the account # listed on the letter, the automated voice states that the information entered doesn't match their records. I also tried to contact the company through other phone # 's available online but can not reach anyone. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am consumer XXXX XXXX, and I do not owe the debt that CAPITAL ONE states. CAPITAL ONE continues to violate my federally protected consumer rights. I've demanded a debt validation and I've demanded a binding contract with both my signature and CAPITAL ONE to prove alleged debt. CAPITAL ONE refuses to send accounting of alleged debt. CAPITAL ONE continues to harass me as the consumer over alleged debt that is not owed. CAPITAL ONE refuses to Cease and Desist communications on all mediums in which was posted in prior complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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:
This account is inaccurate XXXX XXXX XXXX  XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment Status shows " Paid as Agreed '' but in XXXX appears " 30 Days Late '' and according to [ 15 U.S.C Section 1681-a ] its a FCRA violation. Please remove this inaccurate account from my 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 non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Consumer Adjustment Co, placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with Consumer Adjustment Co. According to 15 USC 1692J-Consumer Adjustment Co is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank moved {$930.00} from a Equity line of credit on XX/XX/XXXX that i have which i did not know that i had because i refinanced to another bank in XXXX, Why would they still keep the line of credit on a mortgage that they don't have on my house?? They said it was moved to a XXXX XXXX Checking account with our computer, we do not have a XXXX XXXX Checking account. And XXXX XXXX has confirmed that we are not linked to Chase and XXXX can verify that. Chase will not give us any proof that they moved the money there. We have had XXXX working on this since it all started. Chase has not been helpful at all, we have tried to get a 3 way telephone call with Chase, XXXX and Me with no luck. We believe that some one at Chase either entered in a wrong digit or internal fraud, and they '' re not making good on this. All Chase said is that we did notify them within 60 day deadline that was in my line of credit contract that i signed in XX/XX/XXXX. Show me proof that i did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a consumer XXXX XXXX and my federally protected consumer rights continue to be violated by CAPITAL ONE. I've demanded that CAPITAL ONE validate alleged debt several times. I've requested the contract that was signed by both parties that proves that I owe this alleged debt. CAPITAL ONE has not sent terms and conditions and disclosures of contracts. CAPITAL ONE has sent statements in a coupon format and not a signed invoice for debt. CAPITAL ONE refuses to send a binding contract and refuses to adhere to my several cease and desist that was uploaded in prior complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: AL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-07 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:
This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Balance Account Type and an FCRA violation. Please remove this inaccurate account from my 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 non-monetary relief
Consumer complaint received 2022-01-07 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21, I received email notification from XXXX XXXX about a " hard inquiry '' and new credit card that appeared on my credit report. I signed into my XXXX XXXX account and determined that my credit score had decreased by XXXX points and a credit card was obtained fraudulently. I filed a dispute with XXXX XXXX and contacted the bank, BMO Harris BK at XXXX at XXXX and spoke with XXXX XXXX XXXX informed me that there was one credit card with a limit of {$6500.00} and {$0.00} balance, as well as several deposit accounts listed under my name and last four digits of my social security number. XXXX emailed confirmation of my call along with instructions for further investigative requirements through the XXXX police department and Federal Trade Commission. I filed an online police report ( Tracking number XXXX ) and spoke with an officer in the Fraud Department at ( XXXX ) XXXX and was given a police report number, XXXX. 

I am filing a complaint to contest the fact that BMO Harris Bank allowed the fraudulent deposit accounts and credit card to be opened without proper identification and verification.

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 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
-I applied for an American Express Gold XXXX on XX/XX/2021. 

-American express sent me an adverse action notice via email on XX/XX/2021. 

-I called the application line on XX/XX/2021 for reconsideration and was told by a supervisor I would receive a call back. 

-No one ever called me back. 

I sent an offer rejected notice in response to the adverse action notice on XX/XX/XXXX which American Express received it on XX/XX/2021 Giving American Express an opportunity to cure as well as notifying American Express of default for the servicing of the credit application. 

-After that the application status changed from " Denied '' to " Processing '' - Called the reconsideration line again on XX/XX/XXXX to only be told AGAIN that they're sticking with their original decision. 

- XX/XX/XXXX I sent a FINAL counter offer via fax to American Express Bank explaining in grave detail how my application was a financial asset as well as self liquidating paper and to serve notice for my application to be accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice.

- Also to notify American Express that an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-07 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:
I've sent several letters asking for validation of several collection accounts on my credit report. I have not received any correspondence with the information requested nor have the items been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Just called today about modification a Shellpoint rep XXXX XXXX XXXX ext XXXX said UNDER 30 DAYS BOGUS SEE PROOF OF ONE FAXE XXXX have XXXX proof also and was emailed!!!!!!!!!!!!!!!!! Was never legally under review all BANKS SAY UNDER 37 DAYS WAS THERE PLENTY OF TIME!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: ME

Complaint narrative:
My work payroll card is through money network and I had fraudulent activity with my card of {$3600.00} I had tried calling to get back my money due to not being the one who spent it. They had me make an appeal and I did but for some reason it was denied saying there wasn't enough evidence and I was told to do a despute, so I went to the police station and reported it and made my dispute, I wrote up all the fraudulent activity and called some of the places that had made transaction with whoever took my money, they said they were from Texas, so I wrote this all in my dispute and let them know I don't even have the stuff they charged around me for instance an user eats. I faxed them all the information they asked for. This was all in XXXX and they told me it could be up to three months before I heard anything about it, well I tried calling today to see what was going on with my money and they told me I was denied again!! I don't understand why it would be denied in the first place and asked them why and they said they have no more information to give me. So what am I supposed to do? I work very hard for my money and it gets stolen and they can't or aren't willing to do anything thing to help me. This was all right before Christmas so I had no money to buy gifts and felt bad enough about that. Now they are telling me I'm not getting my money back at all, I've done everything they have asked and reported it to the police and just want my hard earned money back. Please help me out with this matter so I don't lose all faith in humanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Constant calls harassing and threatening legal action against me if the debt is not paid

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 2022-01-07 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: GA

Complaint narrative:
This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Balance Account Type and an FCRA violation. Please remove this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Balance Account Type and an FCRA violation. Please remove this inaccurate account from my 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 2022-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
United Revenue Corp placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with United Revenue Corp . According to 15 USC 1692J-United Revenue Corp is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: OH

Complaint narrative:
I ATTACHED MY PERSONAL IDENTIFICATION WHICH IS MY BIRTH CERTIFICATE AND PROOF OF ADDRESS TO THIS COMPLAINT The following accounts are being reported onto my consumer report illegally and without my consent. 

XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX US DEPT of ED Account # XXXX *Please see attached documentation

Company response to consumer: Closed with explanation