vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I write to dispute the inaccurate credit reporting regarding incorrect furnisher account information from XXXX XXXXCREDITOR : XXXX XXXX XXXX XXXX the account titled CCS Collections, Account # XXXX. Balance of {$0.00}. 

I have disputed this account directly multiple times with the bureaus in the past with no success. This is not my account but possibly my fathers account. My father and I have the same name first and last name. I have a different middle name than my father as well as a different social security numbers and DOB 's. 

I did not open this account, nor incurred the charges and negative remarks associated with this account. Furthermore despite all the information provided to XXXX XXXX continues to attempt to collect on an invalid debt. 

XXXX through its collection efforts attempted to collect on an account that it was not allowed collect on. Through this conduct, XXXX violated 15 U.S.C. 1692d, 15 U.S.C. 1692e, and 15 U.S.C. 1692f. 

Through all the above-mentioned conduct, XXXX  is engaged in conduct that natural consequence is which to harass, oppress, or abuse any person in violation of 15 U.S.C. 1692d.

Through the above conduct, CCS violated 15 U.S.C. 1692e ( 2 ) by attempting to collect the debt, validating the Debt, and continuing its efforts to collect the Debt, thus containing a false impression of the character, amount, and legal status of the Debt. 

Through the above conduct, XXXX violated 15 U.S.C. 1692e and 1692e ( 10 ) by using false, deceptive and misleading representations and means in connections with the collection of an alleged debt by attempting to collect on a debt that has been paid and was not owed. 

Through the above conduct, XXXX violated 15 U.S.C. 1692f by using unfair or unconscionable means to collect or attempt to collect a debt, a debt that it was not entitled to pursuant to the Agreement. 

Through the above conduct, XXXX violated 15 U.S.C. 1692f ( 1 ) by attempting to collect the debt, validating the Debt, and continuing its efforts to collect the Debt, when it was not authorized to collect by the agreement creating the debt or permitted by law. 

The foregoing acts and omissions constitute numerous and multiple violations of the FDCPA. 

Please remove this account and any derogatory information associated with it 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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary 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 non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
Pursuant to the procedures of the Fair Debt Collection Practices Act, I am demanding that this agency known as XXXX cease all communications as dictated in the FDCPA. This includes indirect communication through the medium of consumer reporting. You may only communicate with me further under the stipulations of responding to any and all complaints from the Consumer Financial Protection Bureau ( Cfpb ). If this agency does not comply with this request, I will seek legal action for FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
Approx XX/XX/24 I got a call about a debt against me from an urgent care visit. They asked me for my credit card information over the phone, and I said I was uncomfortable with that and requested a website portal to pay the debt. Looking into the legitimacy of the website I found multiple complaints about it being a scam company. I looked into the visit I had with the urgent care and the urgent care company said they had voided the payment because I did not leave with any diagnosis. Because of this I did not pay the debt company. They have repeatedly called me, daily, harassing me. I have not been answering and they never leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
I have a collection on my account from a fraudulent XXXX XXXX XXXX account. Someone ordered phones and racked up XXXX dollars in my name. XXXX XXXX XXXX would not listen to me even though it was obvious i never used the account. I have tried getting deleted but have not had success but i am not paying for a fraudulent account. Please help me to get this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The number getting the calls is a work phone ; I do not use it for personal business and it is registered to my employer. I do not have any debt associated with this number. 
I have received multiple phone calls from a company called " Portfolio Recovery Services '' and the caller uses a variety of phone numbers. Since I do not recognize the number I let the call go to voicemail and they do not leave a message. 
The numbers calling me include : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC.
State: AR

Complaint narrative:
On XX/XX/XXXX I ordered a set of aligners from XXXX XXXX XXXX. Once I had received them they did not fit. XXXX XXXX XXXX reached out and sent me a second set. Unfortunately the second set did not fit. After talking to my doctor we agreed to have my teeth XXXX scanned on XX/XX/XXXX. After which I was being sent a third set with my new scans. The third set never arrived due to XXXX XXXX XXXX filing bankruptcy. HFD the payment creditor has done nothing in terms of coming to a resolution. As I have told them and sent them emails, photos, phone calls and shipping information. On smile direct clubs website as of XX/XX/XXXX it had stated that customers who never received a full treatment are not expected to continue to pay and then gives the contact number for XXXX to seek resolution. Upon calling XXXX they told me that it was not the case as they had said i received my treatment. Meaning that the second set that I had received counted as a full treatment. At my appointment on said date the doctor sent my new scans as my previous ones were not fitting. That email was sent to them along with everything else they need to come to the resolution that my treatment had not started.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One XXXX card was closed. There were two payments that were bounced back dud to insufficient funds, however when I made the payments, I directed them to be made from a different checking account than the one that was processed. In both instances I immediately submitted payment again for it to debit the intended account and it cleared. 

Two days ago, I called Capital One when the last payment showed as returned to ask why. The person informed me that it was charged to my XXXX checking account when I had initiated it to be charged from my Capital One checking account. I submitted the payment while I was still on the call. I had also asked the representative if this would hurt my relationship with Capital One credit, and they informed me it wouldnt since I wouldnt be late on my payment as I was paying two weeks before it was due. 

This morning, I looked at my account information to ensure the payment posted, and it did, however my account was permanently closed. When I called again, they said it could be because of the returned payment however the reason was because the account wasnt performing to Capital Ones expectations and I may have violated their policy. I asked for what specifically was violated, and they could not tell me. I asked to speak with someone higher on the matter, and the representative stated there was no contact information to provide for further details. 

In summary : There were two instances where I used the app to make payments and the wrong account was charged. No payment was late. I was told by Capital One this situation would not affect my account with Capital One because it was not late. My account was closed due to not performing to Capital Ones expectations, and was closed due to violating policy without stating what part of the policy was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Portfolio recovery solutions has been calling and contacting me for years about a debt I am not even aware of having. Even if it was a debt I had, its is well past the XXXX. They call and refer to me with a last name that hasnt been mine since 2013 and an address that I lived at a decade ago. I want these calls and all forms of communication to end immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX and used their finance company, XXXXXXXX XXXX/Synchrony Bank XXXX I setup automatic monthly payments as their promotion required. I made 2 payments and everything was fine. Today, XX/XX/2024, I received a message from my bank, BOFA, saying I had no money in my checking or savings account. Synchrony Bank, without my permission, made a payment of {$13000.00}. I did not authorize this payment and they took all of my money from my accounts. I now have no money in both my checking account and savings account. I have never missed a payment on my mortgage and now I will not be able to pay it or my other credit cards. I feel like I've been robbed. BOFA said they were trying to make a stop payment but didn't think it would go through. I called Synchrony Bank and they said they can mail me a check back but they can't even expedite it. I never made any changes on the amount they can withdraw from my checking account. I have never missed any payment on any loan I have taken out and now I will because of them.

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 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This complain is about JP morgan, who did not ID the person cashing the check nor they have any XXXX footage. 

A scammer got the hold of a check one  of the accounts belonging to XXXX XXXX XXXX XXXX. That person went and cashed the check at Jp Morgan and chase. On XX/XX/XXXX ( date cashed ) XXXX. XXXX  was going through health crisis due to XXXX and did not receive bank statement for that month. Sometime later, during the medical billing process, XXXX XXXXXXXX XXXX XXXX XXXXXXXX discovered that there was fraud committed on XXXX XXXX 's account. Next day, we filed police complaint and also complaint at the bank. This was in XX/XX/XXXX, so the XXXX XXXX XXXX XXXX  stated that because it has been XXXX they are unable to refund the money back to our account. The branch manager recommended to keep pushing it to the cooperate ladder to see if they can reconsider due to health crisis going when the fraud occurred. The bank stated that they still can not refund the money and see if the police can help. The police did the investigation and they stated that JP Morgan is the place the where the check was cashed by the scammer. However, JP Morgan did not check their ID nor have any security footage of the person. In the email on XX/XX/XXXX detective XXXX XXXX stated that XXXX XXXX was not found in public record, but over the phone call they informed me that they had located the person whose name is on the check, but they can not arrest her as there is no proof from JP Morgan bank. On the phone call detective XXXX XXXX on XX/XX/XXXX stated that XXXX XXXX is a college student living in XXXX, but they can not arrest her as JP morgan did not ID the person nor have XXXX footage. We have tried different ways to get XXXX XXXX XXXX XXXX the amount ( {$3900.00} ) back, but no success. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The recent changes in my credit report have left me feeling distressed, dissatisfied, and anxious. Despite always meeting payment deadlines, some accounts now show late payment remarks. I haven't missed any payments, and it's essential to resolve this matter promptly. I require your assistance to ensure that my credit report precisely reflects all on-time payments, maintaining its full accuracy.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disagree with account listed below which is still showing and reporting inaccurate information on my credit report, even after your investigation. I would like this item to be re-investigated immediately. These inaccuracies are highly affecting my credit score 1. XXXX XXXX XXXX Account # XXXX for the amount of {$810.00}. 2. XXXX XXXX XXXX Account # XXXX for the amount of {$1300.00}. In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I have the right to know the names and business addresses of each individual of whom verified these account as being accurate, so can you please provide me with this information? Please send me a updated copy of my credit report after your re-investigation. Please see attach files

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A & O Recovery Solutions, LLC
State: CA

Complaint narrative:
I received a phone call from XXXX XXXX XXXX XXXX XXXX alleging they sent a letter to home for a debt. I called them back and the woman was able to verify my entire social and DOB. She stated that I got a loan online from a company called XXXX XXXX XXXX XXXX in XX/XX/XXXX. I know for a fact that I did not and mainly because I was in the processing of purchasing a house at the time, so trying to get any type of loan could be detrimental to the process. I lost my purse with all of my belongings on XX/XX/XXXX so it is quite possible my Identity had been stolen. I also filed a police report in XXXX XXXX, NV where I was living at the time.

Company response to consumer: Untimely response
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rausch Sturm LLP
State: SD

Complaint narrative:
I was served a summons on XX/XX/year> by a XXXX XXXX at Rausch Strum law firm in Minnesota for a XXXX credit card debt. There is no case number but states it is a legal document filed at the South Dakota XXXX court. I called the XXXX clerk of courts and there is no case filed so I can't even file an answer to it. It also states that I will have a judgment against me if I don't respond. 
I allege that this violates the FDCPA in regards to I have no way to legally file an answer and it is threatening me with a judgment when there isn't even a legal case nor do they have the right to assume there would be a judgment since they are not guaranteed one if they do file a case. 

-The use of false representation or deceptive means to collect or attempt to collect ant debt or obtain information concerning a consumer. 
-The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 
-The false representation or implication that documents are legal process.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JP Morgan Chase Headquarters XXXX XXXX XXXX. 
New York, NY XXXX Dear sir, I have decided to write a letter to ask one question on my email address, XXXX, on XX/XX/year>. Your email notified me that I have requested to locate some transaction on my Chase credit card ending XXXX. Since last summer, I had several issues with your bank on my credit card. I was illegally charged, and the cards are replaced several times. I believe I did not receive a new card once. Therefore, I am on check whether it is safe to use your bank credit card. Then, as I stated in the letter of yesterday, I received an email to my XXXX account, which I was not clear whether to be registered into the bank website account. Today, I received another letter, which tells above mentioned questionable information of transaction, I checked my account online and found out XXXX email address, therefore I deleted it. Also, I checked the telephone numbers. I tried to delete XXXX, which I do not use anymore. The concern is the number XXXX. Clearly, I do not recognize this number. I have never used and got this number in the United States and globally. It is different with my husbands telephone number, XXXX. Therefore, I would like your company to delete this number, XXXX. Since I am a victim of fraud, I request your company to investigate why this number, XXXX was added into my private and personal account online. 

Sincerely,

Company response to consumer: Closed with monetary relief