vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive mailed XXXX letters requesting validation and proof that I have done business with this company XXXX XXXX XXXX. They have yet to provide any documentation. It is absurd that this company put a collection account on my credit file. I found that to be odd because for XXXX the credit bureau is to report nothing but accurate information about me. So how are XXXX XXXX XXXX supplying information to the credit bureaus about me when you could not provide me with validation. 

The company XXXX XXXX XXXX XXXX did not provide the requested documentation. I had requested proof that I signed any contract with this company that bounds me to them. They sent a generic document with my address and social security, NO signed contract! I also requested documentation showing how they calculated what they say I owe. Also, Copies of signed documentation show I agreed to pay what they say I owe. What kind of business dealing have I done with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Dear Sir/Madam : I previously filed a complaint against this same company for the exact same debt. 

It was resolved by the company sending communication stating and admitting that the debt was completely resolved and nothing further was owing. 

The complaint previously filed and ruled in my favor is XXXX. 


I am incorporating that entire complaint herein by reference. I am also including by reference all of the documents which were previously submitted and answered by Ally. 

They claimed there was no fraud. However, the following has occurred since the closing of the complaint referenced above : 1 ) Complaint filed ; 2 ) Ruled in my favor and admitted by ALLY it was paid in full ( as I originally stated ) ; 3 ) Yet - after they admit I owe nothing, they have CONTINUED with debt collection and added further illegal interest to a debt that is not owed.

Thus, it certainly seems like fraud where they answer your governmental division that I owe nothing and then continue to proceed to add more debt and further collect on a debt that I do not owe. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-04-09 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I consumer XXXX, am submitting a complaint against company Portfolio Recovery for violation of federal law 15 USC 1692g repeatedly. I requested a validation of debt and cease and desist all communications in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time they responded they only provided 1 and 2 of the 5 requirements of the law. The company may be able to claim that have the right to receive payment of the balance but they absolutely have no right to report such negative items on my consumer reports. I never gave them written consent to report anything on my consumer reports. Also, by continuing to report these negative remarks on my consumer reports they are violating my request for cease and desist by indirectly communicating these alleged accounts on my consumer report. I am requesting that the company Portfolio Recover immediately delete such reporting off my consumer reports. Below it clearly states what the laws says is required to properly validate an alleged debt. 
( a ) Notice of debt ; contents 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 consumer 's 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was checking my credit report and came across this account and collections that were not made or authorized by me.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was checking my credit report and came across this account and collections that were not made or authorized by me.

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 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made several large purchases on my Chase credit card amounting to around XXXX dollars and then proceeded to pay off that balance from my checking account the following day. 

The payment was processed and it was reflected on my account, however, Chase will not release my credit even after the balance has been reduced to near zero even after one full week. 

This leaves me unable to use the card as I have near-zero available credit on the card even though I have fully paid off the balance. 

When I contacted Chase, they claimed that the payments were " floated ''. After multiple correspondences, they asked for proof from my checking account that the payments have been sent from my checking account. I proceeded to send them the transaction statements from my checking account, and then chase proceeded to ignore my communications. 

This should be straight forward, the money left my checking account, Chase has received the money, the money has cleared and posted the account and is accurately reflected in the balance, but somehow my credit limit does not reflect the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On or around XX/XX/2022, I received mail from Portfolio Recovery Associates , LLC. In the envelope was a form that was quite disturbing to me. It included my name, address, and the advertisement of sale of an alleged debt. In response to that, I immediately notified XXXX, XXXX, and XXXX that I had been a victim of identity theft. I also sent Portfolio Recovery Associates , LLC a letter ( Certified Mail ) stating that I have been a victim of identity theft and stop furnishing on my consumer file or to validate the alleged debt. Portfolio Recovery Associates , LLC responded by sending me random billing cycle statements that I have no knowledge of. Also included, was a letter allegedly from XXXX XXXX saying Portfolio Recovery Associates , LLC now owns my alleged account. Portfolio Recovery Associates , LLC did not provide any valid proof that I owe them any alleged amount. In addition, Portfolio Recovery Associates , LLC, are in violation of several 15 U.S. Codes and I have notated them in order to receive monetary relief because my credit file is being suppressed by reason of this. I have provided several documents of proof to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX at XXXX XXXX keeps attempting to collect a debt from me when I never signed a lease for their property. I was listed on someone's application but never proceeded with the lease yet I'm being charged as a joint lease account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
XXXX XXXX. 

Today ( XXXX ) I received a letter from a company called Revenue Group. 

The letter claimed they have been trying to reach me about an outstanding debt owed to XXXX XXXX XXXX XXXX. 

I have not received any calls from Revenue Group let alone from XXXX XXXX XXXX XXXX. None, not one. 

There was also no date of service on said collection letter. As I have not been to XXXX XXXX XXXX XXXX in quite sometime, this lends to the seriousness of my complaint. 

Outside of this letter there has been absolutely no contact attempt from Revenue Group or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also numerous complaints about this company on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i made a purchase from a suit website called XXXX XXXX XXXX ( XXXX ), the suit didn't fit so i returned it a week later. 

The Company never gave me a refund, so i opened a dispute with my credit card ( Chase XXXX XXXX ) Chase stated they said i never returned the item, but i provided an email from the company stating they have received the item and will be giving me back a refund. 

the item was purchased on XX/XX/XXXX for XXXX it has been over two months now and i still haven't received my refund : ( documents attached as well...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My lender was unable to check my credit score. After several days of trying to contact Experian, I figured out that Experian has a wrong SSN on file. I started dispute, but ended up seeing that Experian can not do this online. Website provided me with the report number and telephone number to call and speak with a dispute specialist. However, as with any other phone number Experian has, this phone number was answered by the same answer machine, that did not let me speak with a specialist, and did not have any suitable option, offering absolutely irrelevant choices. I tried it for 3 days and spent several hours total, but couldnt get through it. It seems there is no way for a consumer, whose information was distorted or misused by Experian, to fix the issue, as Experian does everything it can to neglect and disregard consumers needs.

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 2022-04-08 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: AZ

Complaint narrative:
I was looking at my bank statements and I saw on XX/XX/XXXX I had an unauthorized charge of {$1000.00} taken from my checking account on XXXX. I called chase which is my bank to dispute the transaction and they told me they couldnt do anything and to call XXXX so I then called XXXX and they told me I had to call my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I permanently opted out of all reporting agencies indefinitely. To my surprise, a mortgage company by the name of XXXX, acting on behalf of Rocket Mortgage, was able to successfully submit a hard inquiry through to my credit report, obtaining unauthorized personal information without my consent. Appalled, Id reached out to you all, only to discover that a company called XXXX, whom my first report was for, performed the hard-inquiry on Rocket Mortgages request. After XXXX told you all that theyd contacted me with solutions regarding my complaint with you all, you all closed my complaint and they did not reach out to me by phone call like yall told me they did, but instead sent me correspondence in the US postal mailing systems. Once received and read, theyd suggested that I reach out to Rocket Mortgage. I reached out to them, theyd collected my pertinent information some how, confirmed it all with me, then in a confrontational manner, told me that they were not going to remove the hard inquiry from my credit report, placed on my report on XX/XX/XXXX, but I was just made aware of the inquiry XX/XX/XXXX. When I asked about the dates and weirdness of it all, a guy by the name of XXXX XXXX, spoke to me by phone on XX/XX/XXXX, very rudely exclaiming to me that due to my knowing all of my own information and verifying it with him, that it somehow was me that theyd gotten my consent from. I have NEVER given them any, never heard of them until the XXXX  paperwork in the mail, and would not ever do business with a company like them under any circumstances past or present. Id permanently opted-out of all credit reporting agencies ranging from XXXX due to how many of them there are. So Im curious, How is it that XXXX  acting on behalf of Rocket Mortgage company was able to successfully submit a hard inquiry into my credit reports, WITHOUT MY CONSENT, and not only gain access to my personal information but also distribute it to Rocket Mortgage whom also DID NOT GET CONSENT FROM ME EVER, and I didnt and still dont know of them nor have never reached out to a company like them, were they able to perform this unauthorized act with so much ease? Why dont my permanent freezes placed on my credit reports work? Finally, their are two companies ( which one of them XXXX XXXX XXXX was paid in full ), is reporting late payments, on closed accounts on my credit report, but have also been able to report these things in my permanently opted-out credit reports. How and why have they too, been able to do such things?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: NC

Complaint narrative:
Equifax, XXXX, and XXXX are all the three companies 1. Payment History : XXXX XXXX XXXX XX/XX/XXXX was not late 2. Payment History : XXXX XXXXr credit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported late payments which is inaccurate because the dates were not late according to the agreement 3. Payment History : XXXX XXXX XXXX XXXX never late ( account closed ) 4XXXX XXXX service XXXX XXXX {$320.00} XX/XX/XXXX was not my account and I'm not sure why its open because its not to my recollection. 
XXXX. XXXX XXXX XXXX XXXX XXXX {$100.00}. not my payment they XX/XX/XXXX XXXX they mentioned my account was paid in full. 
XXXX. XXXX XXXX : XXXX opened XX/XX/XXXX balance {$9600.00}. never late 7. XXXX XXXX : XXXX opened XX/XX/XXXX balance {$2600.00} never late 8. XXXX XXXX : XXXX opened XX/XX/XXXX balance no balance never late 9. XXXX XXXX : derogatory {$550.00} not my account I have XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: AZ

Complaint narrative:
I received a bill for {$4100.00} on a non-existent timeshare account on XX/XX/XXXX. I immediately sent it to my attorney. My attorney wrote to them asking for proof of debt. On XX/XX/XXXX, nearly a year later, they wrote back to my attorney, not with the requested information but showing a new balance of {$2800.00} and an offer to " settle '' for {$800.00} as a " gesture of good faith. '' I do not owe this debt and they are unable to prove I do owe anything. My attorney said that the fact they responded not with proof of debt but another " offer '' to settle is a violation of consumer protection law and subject to a {$1000.00} fine and inability to have them contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase XXXX stated at the beginning of the 2022 year they would be using the 24 hour grace period for insufficient funds fees in an effort to reduce these fees. On multiple occasions, most recently on XX/XX/2022 I was once again charged a {$34.00} fee for a transaction done earlier in the day. And Chase did not post my payroll check til XX/XX/2022 at XXXX which in Chase parameters is exceptable for the {$34.00} insufficient fund charge. It seems that Chase is using creative accounting to get around charging the consumer these fees. Yes Chase says they are eliminating excessive bank fees when in actuality they are not. Instead they are posting deposits well after the end of the day so they can charge these fees to consumers. As a consumer I feel these big banks are misleading their customers and still charging unnecessary banking fees despite of what is being said.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Around XXXX XXXX today XX/XX/22 I initiated XXXXo wire transfers to the title company for a real estate closing from my XXXX Citibank accounts. The amounts were {$50000.00} and {$44000.00} Citibank did not complete the wire transfers on the same business day, thereby ruining a real estate deal. 

Moreover, Citibank held me on the line for 1 hour and 36 minutes saying they were trying to figure out why the wires did not go through while we were in the title company, and then hung up.

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 2022-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter Finance is my loan company. I made a payment of {$1000.00} on XXXX and wanted it applied to principal only, aside from my payment that was due on XX/XX/30, that was paid on time as well. I called on XXXX to make another {$1000.00} payment and again asked for it to be applied to principal only, again, aside from my regular payment due on XX/XX/30. This finance company refuses to take my additional payments and post to principal only. They say they are obligated to take this as a regular payment and only a portion with be applied to principal just as the regular payments are done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
On XX/XX/22 Consumer Portfolio Svc placed a report on my credit stating Im over 30 days past due in the amount of XXXX and thats incorrect. At the time of reporting I was only a week late. I attempted to contact the company but I was transferred to different people and placed on hold

Company response to consumer: Closed with explanation