vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My mother in law passed away in XXXX. Her only income was Social Security for many years prior to her death. 

After her death we started to get statements from a collection agency. I called them twice to advise them of her passing. 

I requested that they no longer send me statements. They requested payment from me. Neither my husband nor I are on the account or a co-signer. They requested that I send a certified copy of her death certificate. I advised them there was no estate and that they could verify her passing via XXXX XXXX or the XXXX. 

Now we are getting periodic statements 4 YEARS LATER still trying to collect. 

This is what they say " Dear ( deceased name ), We know that life happens. ( This line is in a cheerful blue and much larger font ) Every day XXXX, XXXX works with people to resolve debt. We would love to do the same for YOU. ( YOU bold and capitalized ) Sincerely, XXXX, XXXX '' Really??? Life certainly happens but so does DEATH. 

- I told them 2x she died in XXXX. 
- I requested they remove my address from their system. She never lived with us. 
- I told them there was no estate. 

Yet here we are again. This is at least the 2nd letter, with the same wording, we have received this year.

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 2021-08-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Since XXXX of XXXX, Ive made purchases to obtain my credit score from XXXX at a total of {$43.00} to continuously get an error not allowing my to have my scores pulled from all 3 bureaus. Ive called multiple times with extensive lengths of conversations and no resolve. 2 out of 3 reports are showing however 1 report continues to state and error. Ive been referred to the direct bureau ( Equifax ) however they state they cant find an issue and redirect me back to myfico who continues to send me in a round about : XX/XX/XXXX : {$43.00} XX/XX/XXXX : {$43.00} XX/XX/XXXX : {$43.00} XX/XX/XXXX : {$43.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS was asked to validate each account on attached documents. I am not aware of their client nor the debt they claim to be mine.After making four attempts for debt to be validated, ARS continues to send me a template with account numbers and services I am not aware of. I need proof of validation, I have rights. The accounts are damaging my credit and I need all accounts DELETED.

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 2021-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I XXXX XXXX finished my college education in XXXX. I took 11 student loans that were satisfied in full. Therefore, I never signed for a student after XXXX. I have attached a copy of each satisfied student loans. My problem now is that my ex-wife at one time added me as a person of interest to pay on her student loans that were serviced by XXXX XXXX XXXX. My divorce decree never had a stipulation that I would be responsible for her student loans, totaling {$63000.00}. I request the immediate removal of these accounts from XXXX, XXXX  and Trans Union respectfully. XXXX may be inclined to even send to me copies of all signature pages for these loans, which will prove that I am not a responsible party. Accordingly, I request a quick review of these accounts and their permanent deletion on all pertinent credit reporting agencies. Thank you for your cooperation. 
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 2021-08-04 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: IN

Complaint narrative:
I XXXX XXXX finished my college education in XXXX. I took 11 student loans that were satisfied in full. Therefore, I never signed for a student after XXXX. I have attached a copy of each satisfied student loans. My problem now is that my ex-wife at one time added me as a person of interest to pay on her student loans that were serviced by XXXX XXXX XXXX. My divorce decree never had a stipulation that I would be responsible for her student loans, totaling {$63000.00}. I request the immediate removal of these accounts from XXXX, Equifax and XXXX XXXX respectfully. XXXX may be inclined to even send to me copies of all signature pages for these loans, which will prove that I am not a responsible party. Accordingly, I request a quick review of these accounts and their permanent deletion on all pertinent credit reporting agencies. Thank you for your cooperation. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I XXXX XXXX finished my college education in XXXX. I took 11 student loans that were satisfied in full. Therefore, I never signed for a student after XXXX. I have attached a copy of each satisfied student loans. My problem now is that my ex-wife at one time added me as a person of interest to pay on her student loans that were serviced by XXXX XXXX XXXX. My divorce decree never had a stipulation that I would be responsible for her student loans, totaling {$63000.00}. I request the immediate removal of these accounts from Experian, XXXX  and XXXX XXXX respectfully. XXXX may be inclined to even send to me copies of all signature pages for these loans, which will prove that I am not a responsible party. Accordingly, I request a quick review of these accounts and their permanent deletion on all pertinent credit reporting agencies. Thank you for your cooperation. 
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 2021-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I always have 100 % payment history I had a car long time ago from XX/XX/XXXXand they repo the car and I was willing to pay to get my car back and exeiter told me its too late but they put it on my credit at first for XXXX $ and after I paid them XXXX XXXX XXXX PUT IT ON MY CREDIT after that and its hurting me really bad I know my right and base on act 616 and 617 if the company close an account they should not put it under my name ever again please remove all DEROGATORY MARKS FOR THIS ACCOUNT this is my last warning OR I will have MY LAWYER take the extra step

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
This company purchased an account from XXXX XXXX and sent me a letter for me to pay a debt. I filed a complaint against them already and they've admitted to doing it and by them sending me a letter stating that I owe a debt is a violation under the FDCPA and they violated other consumer laws in the letter. The company responded to the complaint saying that they disagree with my claim that they've violated any laws when it's clear evidence that they have. I am currently seeking legal advice on this matter because I sent an invoice to them for all of the violations and they didn't cooperate but did say they weren't going to continue to collect money but the damage to my character has been done through my consumer report. This negative account has prevented me from getting credit on my behalf and it feels like a form of oppression.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission that was notarized. They keep verifying this fraudulent account and sending me some medical documents that do not belong to me. I have enclosed what they sent to me when already sent in my Police report FTC affidavit and they still keep saying this is my account. I have never had any goods or services with them or their affiliates. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've included FTC report and all required documents to have fraudulent inquiries removed. Equifax has refused to do so, I did not authorize nor benefit from these inquiries under the FRCA there fraudulent inquiries should be removed within 4 days Equifax has violated my consumer XXXXright refusing to do so. I've provided My photo ID, social security card, utility bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Albert Corporation
State: AL

Complaint narrative:
XX/XX/2021 they took {$20.00} {$30.00} {$44.00} and {$30.00} again then on XX/XX/2021 they took {$11.00} then {$30.00} and {$11.00} again

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed and sent me some random letters saying this fraudulent account is mine. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission that was notarized. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with or their affiliates west the are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've filed a dispute in regards to the incorrect items on my credit report XX/XX/2021. It has been well over 30 days and I've yet to receive 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 explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: AZ

Complaint narrative:
I applied for and was approved for Mortgage Assistance in XX/XX/2021 and BSI Financial Services, my mortgage owner refuses to supply the housing assistance / Human Services agency with a correctly completed and signed W-9 for funds to be released. The program requires a W-9 to be able to release funds and that has been explained over the phone and in writing. The case worker with the XXXX of XXXX has supported me and also contacted BSI Financial Services several times to request the W-9. Its now XXXX and they continue to ignore my requests and have sent an outdated and incomplete digital PDF listing themselves, BSI Financial Services, as the requester which we have explained is incorrect. I can not afford an attorney and no longer trust my phone call and written attempts as a paying customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are many inquiries appearing on my credit report that do not belong to me I need these taken care of since they do not belong to me!!!! 

Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date :XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX/XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX/XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX/XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX/XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX/XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC
State: PA

Complaint narrative:
I only took 4 month of service that I already paid and they are charging me XXXX $ for a service that I didnt receive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

It has been well over 30 days and i have not received a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accounts be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2021 my card was stolen. I dropped it out of my pocket and someone picked it up without my knowledge until later on the next day. On XX/XX/2021 my card was used fraudulently at XXXX XXXX XXXX for a purchase of {$500.00}. I immediately turned off transactions when I realized my card had been stolen. I contacted Chime that day and informed them of what had occurred. They informed me that there was nothing that could be done until the transaction finished pending. I attempted to contact XXXX XXXX XXXX directly but they stated there was nothing they could do. As soon as Wednesday of that same week, the transaction had finished pending and I was able to file a dispute for transaction. I submitted all requested paperwork and information to file the dispute. I was told to wait 10 business days and that's when a decision would be reached about a provisional credit. On XX/XX/2021 I was sent an email stating that there was nothing that could be done and their investigation found no error had been made. After this experience, I will no longer be using Chime as my bank period.

Company response to consumer: Closed with explanation