vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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: MA

Complaint narrative:
HI kohls/capitalone ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/2021, I transferred XXXX USD via Wise. I entered a number incorrectly in the recipient account number. When I wanted to cancel the transaction, I couldn't. I sent an e-mail to Wise. They said they would fix it in 10 days. But two weeks later, my money has not been refunded and they said the money was sent to the wrong recipient account and they couldn't fix the problem. Although the name and routing number of the recipient I sent were incompatible. Wise wanted me to make the transfer and take this mistake on me. I need you to assist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NORTHWEST BANCSHARES INC
State: NC

Complaint narrative:
Fraudulent unauthorized inquiry as a result of identity theft is reporting to my personal credit report. On XX/XX/2021 Northwest Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have no knowledge of this debt belonging to me. Letters have been written to this company requesting proof of debt owed. The company they are claiming to represent is XXXX Bank XXXX XXXX. I have not done business with XXXX XXXX for over 8 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a dispute to the consumer credit reporting agencies pointing out to them that i was Never late on any house payments. 

I have pointed out the METRO2 violations which are their industry standards I received a response back from XXXX  and Transunion that the information is accurate which UNTRUE. 

I never received any communications from XXXX XXXX XXXX. They are required to send me a written notice under RESPA if there is any delinquencies, which NEVER HAPPENED. 

if I was late I want to see proof which the lender can not provide to me. 

This is violating my consumer rights and preventing me from having access to low interest rates for a new home and vehicle. 

This company XXXX XXXX XXXX, XXXX  and Transunion MUST correct these purported late payments at this point no matter what at this company due to their gross negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XX/XX/2021. I applied for an apartment at XXXX XXXX. I was charged for {$420.00} total and advised it was refundable. {$120.00} is application fees and {$300.00} was admission fee by verbal, I was over charged for the fees base on their website, app {$100.00} and XXXX {$200.00} They gave my desired unit away and gave me something I dont like and I asked for refund on XX/XX/2021. The listing agent XXXX said its non refundable once the application is approved. I asked to withdraw the application if I cant get the unit that I want and I was not advised with the refund policy, I felt I got scam because they refused to show me other units and told me theres no unit left. They push me the sign the lease for 16 months in order to get my {$420.00} back. I told them I will dispute it with the bank. Then my bank gave me a temporary credit on XX/XX/XXXX and it reversed on XX/XX/2021 because the merchant made fake documents and sent to the bank to get the back. I asked to see the documents and The merchant had never showed me the documents in person or by mail including return policy and somehow all documents was electronic signed and I know I did not sign anything since the day XXXX applied. I put in my application because I was told its refundable. Now in XXXX I received a debt collector from XXXX XXXX for {$470.00} meanwhile they already took the money from my account. This is a misconduct business what they did, first took my money and gave my unit away and refused to refund and contacted debt collection saying I owe them money because I dispute it with my bank. My bank already paid the merchant on XX/XX/XXXX. Now Im trying to get the portion money back from the merchant because I was being overcharged for the fees. And my bank cant do much to get the whole amount back since the merchant responded back with fake documents. 
I called the debt collection office today and advised that this debt has already been paid and spoke to agent name XXXX at XXXX XX/XX/2021 he asked me to contact soleste XXXX . Im going to send the email to the property manager XXXX to advise him that to remove me from the debt because the money has already taken from the bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My American Express account XXXX was in good standing for over 20 years. I was then put on a covid plan. Without notice i was thrown into collections. This is not correct and is ruining my credit. 
The account was given to XXXX law. They reported this while in dispute and in Covid. 

They violated my rights under the FCRA..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: MI

Complaint narrative:
XXXX, XXXX XXXX XXXX sent me a collection letter ( attached ) offering to settle a bill i owe to XXXX. I have not had an account with XXXX for the past XXXX years and have no outstanding phone bills of any type. 

This is not legitimate as I have an unusual name and there could be no mistake here. This can not be a bill owed by someone with the same name - there is no such person. Searching online, I found numerous allegations that this debt collection company commonly makes false claims and any attempt to contact the company will result in their phishing for more information to attempt to obtain payment or harass people for payment. There are even allegations of them recording calls and cutting and pasting a " yes '' answer to a statement acknowledging the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Southeast Finance Inc.
State: CA

Complaint narrative:
My husband and I applied for a boat loan and were sent a letter though email saying it was a quote of the length of months and interest rate for the loan. The letter showed a chart of different options for us to choose from at a rate of 4.49 % and up to 180 months. It said to upload our picture IDs and W-2s on their online portal. After I uploaded all documents, I called the loan officer and left a voicemail to let her know I uploaded all docs and I entered my w-2 on another tab since there wasnt enough room. The loan officer called me back and told me the interest rate was 9.95 % and at XXXX months. I told her that wasnt what I read on the quote and that I saw 4.49 % and up to 180 months. She said that wasnt sent by me. I tried to look for the email while she was on the phone and couldnt locate it. She again said, that email wasnt from me. I told her I would talk to my husband and call her back. After I hung up, I looked and found the email quote which showed the 4.49 % and up to 180 months sent by her company. I forwarded the email to the loan officer showing her the quote and asked her to honor it. She called back and was rude and said no, cant do it. I told her that I would see if I can shop around for a lower rate because that was too high and asked how much time do I have to look around. She told me I had 45 days. As I was hanging up, I looked down at my table and saw our IDs on the table since I had took the pic to send to the loan officer and didnt put them back in our wallets yet. I then realized that I received a different rate after I sent our IDs over and shows my husbands picture ( he is XXXX American ). I was hoping that wasnt so, but it was. I was going to ignore it but it bothered me a lot. I looked online and saw there are laws against finance discrimination. I called the loan officer back and left a voicemail telling her I wasnt happy with her service and explained there are certain laws against discrimination and I hope that wasnt the case. I also asked to speak to a manager/supervisor because I wasnt satisfied with the outcome.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my second time in 2 months disputing the inaccurate information Experian is reporting on my credit report. Experian is reporting an inaccurate bankruptcy account. They are not even attempting to verify with XXXX, the furnisher of the information. If Experian did what they are required by law to do, they would see the bankruptcy has been deleted/removed by XXXX. I provided this proof with my last complaint, and they still are reporting this bankruptcy. Please make Experian abide by the law and the FCRA and properly respond to this dispute. 

On today when I called to inquire about the dispute results they said they had verified with XXXX that the account was accurate. I immediately called XXXX and they affirmed this was not true. The rep further stated that their is no bankruptcies on my report. 

What is my recourse when Experian is clearly ignoring the laws as well as the furnisher of the information?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NC

Complaint narrative:
Fraudulent unauthorized inquiry as a result of identity theft is reporting to my personal credit report. On XX/XX/2021 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to furnish reports on my credit report that i did not authorize. i asked them for a contract between me and them, and a contract between them and the companies that pay them to furnish my information. They've been evasive and have violated the Fcra specifically 15 usc 1681 ( b ), 1681 ( a ) ( 4 ) and 15 usc 6802 ( b ) ( 1 ). 
Also i discharge all debts and under 18 us code 8 obligations or other securities are the obligation of the United States. 
How are they attempting to collect a debt. According to the Ftc section 807, the only people allowed to collect on the Federal Reserve debt has to be in contract with the United States Treasury XXXX XXXX. 
And lastly the report is inaccurate and false reporting is another violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received in the mail a debit card from JPMorgan Chase Bank in XX/XX/XXXX that I had never requested. I immediately went to the local chase branch at XXXX XXXX XXXX, NY and reported this to XXXX. She was able to close the account. I received in the mail on XX/XX/XXXX a checking statement with transaction details from the account number XXXX : Balance : {$800.00} XX/XX/XXXX Online XXXX XXXX To XXXX XXXX # # # # # # # # # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX XX/XX/XXXX Online transfer XXXX To XXXX XXXX XXXX XXXX # # # # # # # XXXX XXXX XX/XX/XXXX Online Transfer XXXX To XXXX XXXX XXXX XXXX # # # # # # # XXXX XXXX XX/XX/XXXX Debit DDA-Check Charge Ending Balance {$0.00} I have shared this information with Chase Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: ACS Education Services
State: CA

Complaint narrative:
ACS/XXXX xxxxxxx XXXX I completed the Student Loan Rehabilitation Program so this account should NOT be reporting any LATE payments. Correct or delete the account right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I have been trying to get a copy of my student loan payment history since XX/XX/2021. As of today, XX/XX/2021, Firstmark Services has still not been able to provide me with a copy of my loan history. I have been calling frequently, lately on an almost weekly basis. Today, the customer service supervisor stated that she had " no super good timeline to offer me '' about when I might receive a copy of my student loan history. This did not sound super good to me. 

My original request was to XXXX XXXX in XX/XX/2021. I believe my loan was transferred to Firstmark iat the beginning of XX/XX/2021. I followed up with both XXXX XXXX and Fitrstmark in XXXX, but Firstmark claims I requested my student loan payment history on XX/XX/2021. This is false. I requested this information several times from them between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: MN

Complaint narrative:
I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I request a credit freeze/block/pin for XXXX XXXX XXXX and Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SS # ENDING IN 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