vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America
State: LA

Complaint narrative:
Received Dunnage letter in the mail at my address from Financial Corporation of America XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX, Texas XXXX dated XX/XX/XXXX attempting to collect a debt supposedly owed by my deceased mother, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a supposed date of service of XX/XX/XXXX in the amount of {$750.00}. My mother was under XXXX XXXX with XXXX of XXXX from XX/XX/XXXX until her passing XX/XX/XXXX. I am not aware of her ever receiving treatment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor am I familiar with this outfit having anything to do with XXXX of XXXX. I have Spoken with XXXX of XXXX and they have assured me that their is no outstanding debt with them in my deceased mothers name. I have been unable to locate contact information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have received several phone calls from Financial Corporation of America both before receiving their dunnage letter and after receiving said letter, each time I have informed the caller that they are trying to collect a debt from a deceased individual to stop calling my phone and to remove my number. I do not owe this debt and am not responsible for my deceased mothers debts, at the time of her passing she owned no real property, and the sum total of her assets were the funds on deposit with bank which amounted to a fraction of this alleged debt. All funds in her account were utilized in the settlement of her final arrangements and the funds on deposit were completely exhausted by this. I do not know who XXXX XXXX XXXX XXXX XXXX XXXX XXXX is or what tenets they live their lives by but they are certainly not XXXX values or tenets to XXXX the family of the deceased in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I went to the XXXX dealer shop and i told them to do the lease for a particular bank. They have sent all my information to several banks. And I received my lease from the bank that i advised them to do because i dont want too many hard inquiries. They were really unprofessional on XX/XX/XXXX XXXX. I spoke with them about this situation and they told me there is nothing to do now and I should wait to drop off in a few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express charged me interest for a Pay over time purchase that I didn't authorize. When I saw the interest charge on my Amex gold account, I looked into it and realized that they must have enrolled me, without my knowledge, in the program. This caused my purchases to automatically be charged interest. I would like to request an immediate refund for all applicable interest charges and would like this terrible " feature '' disabled on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
after speaking with legal counsel i found that navy federal navy credit union is in violation of TILA failure to disclose to me about my open ended consumer plan 12 CFR 1026.5 and the finance charge the sum of all charges pursuant to 12 CFR 226.4. Navy federal fail to XXXX out my account monthly. Already sent in a billing error affidavit of truth 12 CFR 1026.13 which was sent certified mail with a green return receipt.

am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of the account and ledger and debits of the account to verify the current accounting and taxes associated with this account. 
information need to be provided to see who funded this account. banks can not lend its credit or its money. 

EMBEZZLEMENT, THEFT BY DECEPTION & EXTORTION FAILING TO DISCHARGE ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHAP. 48,49. JUNE 5, 6,1933, HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ON JUNE 5, 1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE.THIS RESOLUTION DECLARED THAT WHEREAS THE HOLDING OR DEALING IN GOLD AFFECT THE PUBLIC INTEREST, AND ARE THEREFOR SUBJECT TO PROPER REGULATION AND RESTRICTION ; AND WHEREAS THE EXISTING EMERGENCY HAS DISCLOSED THAT PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY ARE INCONSISTENT WITH THE DECLARED POLICY OF CONGRESS..IN THE PAYMENT OF THE DEBT. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY, OR IN AN AMOUNT IN MONEY POLICY ; AND EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/21, I sent a letter, return receipt requested, to Transunion XXXX XXXX, XXXX and XXXX with a request for documents proving this debt was valid. I had disputed the issues online, over the phone several times, and then, in the letter. I received a letter back from Transunion and they only addressed one of the accounts with a statement of Verified as accurate however, we didnt receive the requested documents. The date is invalid, the debt is invalid, and we requested that they prove with documents or delete the debt. They did neither. I stated in the letter, pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA, they must follow the guidelines and requests. I also stated per the FCRA, they are legally obligated to report accurate information and they have failed to do so. We have now way to fix this as our requests have been ignored and they continue to list three collections when they are inaccurate or invalid.

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 2021-11-21 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: CA

Complaint narrative:
I sent a letter to pay for a deletion of this debt from my credit report. The company accepted my money and only removed this debt from one of my credit reports and not the other two. 

This isn't right and its not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, a person other than me fraudulently applied for a Best Buy card, resulting in a hard inquiry.. I have not been to nor applied at Best Buy in over a year! 
I disputed this claim to XXXX and they directed me to your website. 
Citibank, NA, Best Buy Citi XXXX XXXX XXXX, XXXX, FL XXXX Also, on same report, I noticed a hard inquiry for XXXX XXXX XXXX XXXX on XX/XX/XXXX, and this is also fraud! I have lived at the same address since XX/XX/XXXX and have had XXXX internet since XX/XX/XXXX. XXXX does not even service my address, so this too is fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, 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 non-monetary relief
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX, and I am contacting you today because I need the following information deleted from my credit les. I have listed the items in this report. I'm a victim of identity theft and I did not make this charge. They are reporting inaccurate and fraudulent credit information on my credit report. 

These accounts should not be furnished on my consumer report as they are in violation!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a Federal Protected Consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed below IMMEDIATELY. 

Fraudulent/Negative Accounts : Account Number : XXXX XXXX Account Opened : XX/XX/2017 Balance : {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2021-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Good Morning CFPB, I recently received a collection on a debt that I do not owe, I am a current XXXX customer, and the company recently reported a collection on an account that is still active this month. I called numerous times and spoke to multiple managers, and yet my account has been unresolved. I recently settled the debt due to a business move that I am trying to get done in 2022, and having this negative mark on my credit profoundly impacts my business growth and activities. I am a small business owner, and this small debt of {$150.00} on a collection I had no idea I owed. This debt impacts my business tremendously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Investment Retrievers, Inc.
State: LA

Complaint narrative:
Investment retrievers at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, has been garnishing my paycheck without notifying me about the garnishment also reporting a collection in the amount of {$15000.00}. The collection has been reported as a past due balance & also has many inconsistencies between the bureaus. I do not know this company & I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/2021, a person other than me fraudulently applied for a XXXX XXXX card, resulting in a hard inquiry.. I have not been to nor applied at XXXX XXXX in over a year! 
I disputed this claim to Equifax and they directed me to your website. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Also, on same report, I noticed a hard inquiry for XXXX XXXX XXXX XXXX on XX/XX/XXXX, and this is also fraud! I have lived at the same address since XX/XX/XXXX and have had XXXX internet since XX/XX/XXXX. XXXX does not even service my address, so this too is fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Maximization Group, Inc.
State: FL

Complaint narrative:
The company in question, Asset Maximization Group , Inc. placed a derogatory collections entry on my credit report, lowering my credit score by over 100 points. I have never received a bill or collections letter from them and do not know what it is for. I have never had a medical bill in that amount and have never missed any payment I was due to make in recent memory. Please see attached credit report excerpt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi there are XXXX charges from " XXXX XXXX # XXXX '' on XX/XX/29 {$2700.00} + {$120.00}. These charges are fraud/ i never purchased anything at XXXX on these dates. i disputed these charges with Chase by phone by calling XXXX. Chase first refunded the charges but later on reinstated them claiming that the charges are valid. 

THIS CHARGES HAS NOTHING TO DO WITH ME AND ARE 100 % FRAUD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-21 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
I have received several unauthorized inquiries on my credit profile. I noticed that some of the inquiries traversed across all XXXX credit bureaus. I sent in dispute letter to all XXXX bureaus and XXXX ( XXXX and XXXX ) of the bureaus have complied with removing the unauthorized inquiries. However, Equifax is refusing to remove the fraudulent inquiries and is demanding police reports and FTC documents to considering removing these inquiries. 

I did not authorized any one to place inquiries on my behave. I have sent several letters to XXXX and filed several complaints with regards toi these inquires. I have even sent certified mail to Equifax to resolve this problem. To date, they are refusing to remove these inquiries and this is causing a financial hardship because of the effects of these inquiries. I am in the process of a home purchase and my good credit is being tarnished by the unauthorized inquiries and my even make me ineligible to obtain this purchase at a undesirable interest rate. It may even assist disqualifying me to obtain the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: Nelnet, Inc.
State: DC

Complaint narrative:
My student loans have been XXXX by NELNET/ XXXX Department of education XXXX They should say PAID/CLOSED AND XXXX ( XXXX ) BALANCE ON ALL XXXX  CREDIT BUREAUS. SEE ATTACHED LETTER FROM NELNETXXXX DEPARTMENT OF EDUCATION AS XXXX!! XXXX XXXX AND XXXX SHOULD ALL SAY PAID/CLOSED XXXX BALANCE EFFECTIVE XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My business account had XXXX transactions from fraudulent withdrawals. On XX/XX/21 XXXX XXXX made XXXX deposits into my account for a total ofXXXX then XXXX withdrawal ofXXXX then on XX/XX/21 XXXX XXXX withdrew {$790.00} I filed a complaint with Citizens Bank and this was resolved. Then onXX/XX/XXXX XXXX deposited XXXX deposits totaling XXXX then on XX/XX/21 while I was on the phone with Citizens Banks XXXX department XXXX XXXX him about the XXXX deposits and I stated I dont have any accounts with XXXX and the representative informed me XXXX had just withdrawn {$10000.00} from my account. I told him it was fraudulent and requested he stop it immediately. He instead filed a claim. XXXX Banks XXXX Department doesnt return your calls. And they are fully aware the transaction is fraudulent! They also know the money was transferred to XXXX XXXX. They claim I have to waitXX/XX/XXXX days before any money will be returned if they can recover it, if not their XXXX Department says that maybe my problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
In XX/XX/2010 with my I signed up for home security services with XXXX. We signed a contract for XXXX  months. During the contract period I divorced my ex husband and we both called in to XXXX to early terminate the contract. The debt has not been paid. I have received " Demand for payment '' from XXXX XXXX XXXX. How is it legal for them to " Demand Payment '' XXXX years since the contract expired?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
My student loans have been XXXX by XXXX XXXX Department of education XXXX They should say PAID/CLOSED AND XXXX ( XXXX ) BALANCE ON ALL XXXX CREDIT BUREAUS. SEE ATTACHED LETTER FROM XXXX DEPARTMENT OF EDUCATION AS XXXX!! XXXX XXXX AND TRANSUNION SHOULD ALL SAY PAID/CLOSED XXXX BALANCE EFFECTIVE XX/XX/2021.

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 2021-11-21 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: DC

Complaint narrative:
My student loans have been XXXX by XXXX XXXX Department of education XXXX They should say PAID/CLOSED AND XXXX ( XXXX ) BALANCE ON ALL XXXX CREDIT BUREAUS. SEE ATTACHED LETTER FROM XXXX DEPARTMENT OF EDUCATION AS XXXX!! EQUIFAX XXXX AND XXXX SHOULD ALL SAY PAID/CLOSED XXXX BALANCE EFFECTIVE XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
My student loans have been XXXX by XXXX XXXX Department of education XXXX They should say PAID/CLOSED AND XXXX ( XXXX ) BALANCE ON ALL XXXX CREDIT BUREAUS. SEE ATTACHED LETTER FROM XXXX DEPARTMENT OF EDUCATION AS XXXX!! XXXX EXPERIAN AND XXXX SHOULD ALL SAY PAID/CLOSED XXXX BALANCE EFFECTIVE XX/XX/2021.

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 2021-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I spoke to my financial institution about obtaining a mortgage to purchase a new home and they alerted me to the fact that I should check my credit scores because of the significant difference in XXXX of them ( XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ). 

When I checked my credit report I found a debt collection issue noted for {$59.00} from I C System. They also added an address to my file. I've never owned or lived at XXXX XXXX XXXX, XXXX, NC. 

XXXX XXXX XXXX is the address of an assisted living facility where my mother lived. 

Please remove this address and collection reference from all XXXX of my credit accounts.

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