vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: MO

Complaint narrative:
Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt.

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I signed in to my Citizens Bank account and saw that a check I had written to someone for {$170.00} had been 'washed ' -- while you could still see traces of the original payee 's name, a different payee had been written in and the amount of the check was changed to {$5000.00}. I called the Citizens Bank fraud line ( at XXXX ) and after being on hold for about 45 minutes, spoke with XXXX XXXX He agree that you could see the original name, and that the fraud was " perfectly clear ''. He gave me claim # XXXX and said it would take 8-10 days to process, but the funds would be restored to my account, and that Citizens would send updates. 
On XX/XX/XXXX, I hadn't heard anything and called again. After being on hold for close to an hour, I spoke with XXXX ( spelling? ) who said the time was actually 8-12 business days but he would request a provisional credit and I should see the funds in my account in 1-2 business days. 
On XX/XX/XXXX, I had no communication from Citizens and the funds were not in my account. I made an online appointment with the local branch manager for that day. When the time of the appointment came, she did not contact me so I called the branch and was told she wasn't in the bank. I spoke with XXXX XXXX, who asked if I could come in to the branch. I sat with him for close to an hour -- while he text chatted with someone from the bank. At the end of the hour, the message was that it wouldn't take 8-12 days but 6-8 weeks and they would not be providing a provisional credit. 
It has now been six weeks and I have had no update on this matter and the {$5000.00} that was taken from my account due to the fraudulent check has not been refunded to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Improper and inaccurate information on my Credit Report, from Equal Fax that in includes. False information from XXXX XXXX, that was Prepaid in full by where of ALL ACCOUNTS are Prepaid see. Title 31 section 3132 Payment of the public interest on the public debt. see title 31 section 3130. Title 18 section 8 Obligation or other security of the Unites States, more importantly see Title 31 section 3124 of the United States Exemption from Taxation. MCM is harassing causing Irreparable harm and trying to extort me of an amount of XXXX where it is paid to the Bearer in full whereas by Law they must Accept for Value and return the debt instruments legal tender of the United States which in the UCC 3-306 / UCC 1-304 / UCC 3- 306 without prejudice and recourse 1-308. This is EVIDENCE OF DISHONOR. again, MCM ( violation of 15 U.S.C 1692b ( 2 ) ) a state i do not live in and is Tring to collect a DEBT of XXXX that's prepaid in full XXXX # XXXX, that was ( XXXX ). Also First premier Bank balance was paid in full XXXX # XXXX XXXX XXXX XXXX, These accounts was paid off ( XXXX ) to the XXXX either by, insurance or. using my social security card trust fund account without my permission filing a 1099a allegedly. Wherefore XXXX XXXX  use this fraud information to lower my XXXX XXXX wantonly, and deliberately. Some of or all of these company 's reporting to XXXXXXXX XXXX  does not have pursuant FAFA of XXXX as amended. Violation of UCC 3-305 ( c ) and 3-601. for I'm left without action or recourse _NO REMEDY AVAILABLE. " Liability DISCHARGED, without prejudice Pursuant to UCC 1-207, 3-305 and 3-601. Receipt of government " benefit is under PROTEST, pursuant to UCC 1-207, 1-308 and 3-305 ( c ). Wherefore I am already a victim of Equal Fax security breach from 2017. 15 U.S.C 1681 section 604 ( 2 ) States i have a right to privacy. this is willfully FCRA violations in which i Fraudulent willful intent by two or more Officials, whereas in title 18 U.S.C 2831 is Treason. U.S.C section 1692 ( F ) unfair practices ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) - ( A ) ( B ) ( C ) - ( 7 ) ( 8 ) as amended Oct 10 2023. 15 U.S.C 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) ( i ) ( ii ) FCRA 623 and FDCPA violations 15 USC 1692c ( c ) and to many violations to mention unbeknown to me at the time of complaint.

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 2023-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kurt A. Holmes, PA
State: KS

Complaint narrative:
Writ of garnishment. Start date XXXX. Total garnishment amount {$690.00}. To Payee, Kurt A. HolmesXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. For judgement creditor XXXX XXXX XXXX XXXX Case is from XXXX I never received any communication on this. Also debt is XXXX years old. Way past statue of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
It is not belong to me. It is fraud! This is causing me a lot of stress and 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 2023-10-14 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: AL

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/XXXX : Notified by chase credit card services that I have a pass due credit card balance of over XXXX. I informed them that I did not make those charges. 
XX/XX/XXXX : Notified by chase credit card services again, informed them the charges are fraudulent and Im a victim of identity theft, they submit to fraud department. 
XX/XX/XXXX : Mailed in identity theft report, police report and supporting documents. 
XX/XX/XXXX : Bank continues to harass me with calls and emails of charges that I never made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX I never had a contract withthis debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a )

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 2023-10-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX I received an alert from XXXX XXXX about an hard inquiry on my Credit Report. I went to view the inquiry and it showed up as XXXX XXXX XXXXXXXX XXXX, I have no knowledge of this account. For the past several months I have been paying off all debts in efforts to increase my credit score. I disputed with Equifax XX/XX/ and that same day my dispute was closed saying information was accurate and will remain on report. The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX I then called XXXX and they have no record of an account or this information on my Credit Report. And suggested that Equifax provide me with information on how they did their investigation. 

This is not my inquiry and I need help in getting it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern, On XX/XX/XXXX I purchased music festival tickets to XXXX XXXX XXXX at the XXXXXXXX XXXX XXXXXXXX in XXXX, Florida. With this purchase was an add-on for ticket insurance in the case that you could not make the festival. The merchant was XXXX. The total cost of the ticket was {$270.00} with {$20.00} being the add-on for ticket insurance. The music festival was set to take place on XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX, a family member suffered a medical emergency and within the terms of the insurance policy I enacted a claim and was assured that my claim would be accepted and I would be refunded the full price, minus the {$20.00} for the add-on fee. After submitting the appropriate documents my claim was accepted and I was told that a refund would be processed and issued within 7-10 business days and if a refund was not present that I was to contact my financial institution to initiate a chargeback. The refund was to be labeled in the same manner as the initial charge was. 

Attached to this letter is the insurance policy which outlines the validity of my claim, the correspondence that says my claim was received, processed, and accepted as well as the communication that I should contact Chase Bank to initiate a chargeback. 

After sending the documents to Chase, they have refused to credit my account back the money and keep telling me they have to wait for the merchant in order to resolve this, but they did not wait for me when they took the money back. I have called Chase Bank over 7 times in the past 30 days to resolve this issue, giving them ample time to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I dispute XXXX XXXX XXXX from my credit report after the investigation was completed, TransUnion deemed it to be accurate. The problem is why did they delete it off my credit and then added it back. That dropped my credit score XXXX points. I have disputed many items and they have never dropped my credit scores. I need for those points to be added back to my credit. I should not be responsible for error on their part. They have done this once before, which it caused my credit score to drop.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under on open consumer credit plan as late for any purpose

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 2023-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collections Acquisition Company, Inc.
State: OH

Complaint narrative:
i sent a debt validation letter on XX/XX/2023 requesting validation under the fair debt collection practices act, 15 USC 1692g.the company has failed to validate this request within the 30 days. so i got there phone number and called to talk to them and i was told that they are not required to answer the validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Today, XX/XX/XXXX, I checked my credit card account of Chase Bank online and found out XXXX unrecognized transactions on XX/XX/XXXX and XXXX. On XXXX, there were two transactions : the one by Amazon, which amount was {$89.00}, and another one was XXXX, amount was {$10.00}. The last one was by Amazon, {$100.00}, which was pending on XX/XX/XXXX. I have checked my order history of Amazon online, and checked I did not purchase such amounts. Regarding XXXX, I recently paid only cash ; therefore, it was impossible. After founding online at Chase website, I filed them, closed my credit card, and called the customer service. All available records, including Chase and Amazon, were printed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The creditor XXXX or XXXX for {$7500.00} was removed on the account last month. This account is still active and XXXX XXXX said I need to speak to you all to get it re-applied on there. This negatively impacted my score. Please put it 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 2023-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
We purchased home in XX/XX/XXXX. The house was XXXX until the end of XXXX. Pennymac knew this. XXXX Taxes were unavailable to Pennymac and myself until XX/XX/XXXX. In XXXX XXXX Pennymac was unable to collect tax bill due to TBA so they sent me notification that they were unable to do so at that time. I have been paying into my escrow every month, doing my part of the obligation. Pennymacs obligation is to pay the taxes from my escrow account. I assumed in XX/XX/XXXX when XXXX tax bill became available that Pennymac would pay it because the loan agreement said that and the Pennymac app said it would. However, Pennymac never paid the taxes. They did not notify me that they didnt pay the taxes until XX/XX/XXXX. Due to the delay, the account accrued penalties and fees. I was unable to pay for those taxes because that money was in the escrow account. Pennymac was obligated to pay them and they didnt. I finally was able to get Pennymac give me the money from my escrow so I could pay taxes myself. I then had to pay the fees and penalties that accrued. I asked Pennymac to reimburse me given they did not do their obligation but they refused. They said because they sent an email in XX/XX/XXXX saying they couldnt pay tax bill yet, that that absolved them from paying the taxes and it was now on me to figure it out. Again the loan agreement clearly states Pennymac pays on borrowers behalf. They treated me unprofessionally. Due to this issue we have struggled financially as the penalties and fees were significant. This was clearly a breach of contract and obligation by Pennymac.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experain and XXXX must be crazy because they have not been disputing this account because they would of been told that they must XXXX out the balance and pass due to a cancel debt there is 3 letters from XXXXXXXX XXXX XXXXXXXX from XX/XX/2023 XX/XX/202 and XX/XX/2023 that states they told all thee credit agencies to XXXX out the XXXX account they told them 3 months ago yet they come back as accurately reporting a balance when they were told to remove the balance this is the proof and I was told by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they should contact him personally for a 3 way call

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 2023-10-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
{ Capital one/The accountXXXX } was reported has charged off literally after I paid my collection with this account. This company stated that this will not be on my report and it will be reported payed in full. I also have all the supporting documents proving what I am saying. Also I told XXXX, XXXX and XXXX to investigate and monitor this account. 15 U S.C. 1681 SECTION 602A States I have the right to privacy so this company can not send this account to collections agency without some form of communication through the consumer which is ME. 15 U.S.C. 1681 SECTION 604A SECTION 2 this States that a consumer reporting agency can not furnish a account without my written instructions. These algorithm reporting agency are taking illegal actions on my consumer report and I will not stand for any of it. Also they aren't even in compliance with XXXX XXXX credit reporting agency. I have evidence to prove my case. Also I would like for these inquiries not to be reported to my report, it's hurting my score and I want all 15 inquiries removed.

Company response to consumer: Closed with explanation