vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bendett & McHugh, P.C.
State: MA

Complaint narrative:
We have notify XXXX XXXX in behalf of XXXX XXXX XXXX President and Managing Partner of this Fraudulent claim in the public newspaper. We spoke on XX/XX/21 and I inform her of their liability and the damage that they have directly caused with this Fraudulent claim of an debt being owe. This firm is Malicious engaged in Unauthorized practices of law which has cause myself and kinfolk unmeasureable distress which The CFPB has prima facie evidence of. XXXX XXXX XXXX President and Managing Partner is a foreign agent who has no authority over An Free America we have no contract with this criminal organization or his associates. Criminal charges will follow this claim for damages since these individuals are Knowingly and willingly committed Felony crimes against our unalienable rights of freedom and liberties. These individuals must cease and desist all nonconsensual communication regarding our privacy property and information. XXXX XXXX XXXX is engaged in treasonous behavior towards An American national which We the people are the true creditors of this state and this Fraudulent claim of an debt owe is Absurd. This property is clear from any cloud on said title. We have provided the discharge information and estate information in good faith to these tresspasser of law. 

LAWFUL NOTICE : DISCHARGE OF ALLEGED MORTGAGE BK : 60920 PG 369 LAWFUL NOTICE OF PURE TRUST CERTIFICATE : BK 65256 PG 108 NOTICE OF LIABILITY FOR ALL PARTIES INVOLVED DIRECTLY OR INDIRECTLY. ANY TRESPASS UPON XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX COUNTY, ALL TRESPPASER WILL BE ARRESTED AND CHARGE CRIMINAL. THIS ATTEMPTED OF UNLAWFUL CONVERSION IS TREASON AND MUST CEASE AND DESIST IMMEDIATELY AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
There is a collection account added to all 3 credit bureaus for an account I have no idea about. I have never received in letters or phone calls pertaining to this fraudulent account. It appeared on my credit reports XX/XX/2021. It says this SouthWest Credit System, collection account for XXXX XXXX XXXX was opened on XX/XX/2021. They are requesting a total of {$400.00} that I have no idea about. Again I have never opened account with this company nor do I owe them any amount of money. I don't have any bills or documentation from either of these company 's. I was never notified or contacted in any kind of way. I need to see dates, addresses, a record of all billing and my signature of signing an agreement or contract for XXXX XXXX XXXX. This fraudulent account is damaging all 3 of my credit reports and scores. I would like for this to be investigated and removed immediately. SouthWest can't just go around putting false information in collections on my credit reports when I have never even heard of them. 
XXXX XXXX XXXX doesn't even exist and hasn't been around in years. How do I owe a company I have never had service with or that is no longer in business. 
I can not upload any documentation because I have never received anything in writing, no phone calls or via email from XXXX XXXX XXXX or SouthWest Credit System.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute with credit reporting companies and have been well over 30 days since i heard anything and receieved any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: CA

Complaint narrative:
I am re-submitting this complaint. XXXXXXXX XXXX sent me a letter XX/XX/2021, stating this trade line to be removed from my credit report. As of XX/XX/2021 it is still on my credit report. Even after Experian stated that they removed it from my credit report. I am submitting proof of everything.

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 2021-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America charged me a fee of {$12.00} on XX/XX/XXXX. I dispute this fee and request it be reversed. I spoke for 56 minutes to customer service on XX/XX/XXXX, but they refused to reverse this fee. I have been a Bank of America account holder for 22 years and this is the first charge I have seen of this nature. I received no notice of this fee and it is not listed in my Schedule of Fees. I still have my Deposit Agreement and Schedule of Fees from when I opened my account. In 22 years, I have never received an updated Deposit Agreement or Schedule of Fees even though the Deposit Agreement I have says Bank of America will provide advance notice of changes. The Schedule of Fees I have does not mention a XXXX XXXX monthly maintenance fee when my account balance falls below {$1500.00}. After 56 minutes on the phone, no Bank of America representative could tell me when I received advance written notice of this fee. I request it be reversed. It is a shame Bank of America does not value its customers of 22 years.

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 2021-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: PA

Complaint narrative:
I ordered my consumer report, and noticed many instances of erroneous/False information.I sent back a dispute and never received anything in response indicating there was a investigation being done. what the investigation turned up or anything. That is a violation of my rights ... ... this company has violated my rights ... .. I demand this false/erroneous information be removed from my consumer report immediately, it has harmed me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
XX/XX/XXXX I called Ally bank regarding a matter with my accounts. Customer service routing me to the the department handling the matter. I was very insulting my one of there members he handled the matter very unprofessional. He was yelling on the phone basically disrespected me. And told me never to call them again. After that I called them again and I did talk to a very respectful person on there. I do not believe this guy who talks to people on the phone disrespectful should be working in a bank. I want to know does ally bank condone this behavior by their people regardless of the department they work in. Then I called them on Saturday the XXXX asking for a Bank statement. I have to sit there on the phone and tell them I deserve a bank statement, but want to reroute me to another department and when I told them I deserve a statement. A hangup on the phone

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 2021-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute with credit reporting companies and have been well over 30 days since i heard anything and receieved 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 2021-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
After pulling my credit report and noticing Midland credit management is trying to collect a debt from me, I sent them a certified letter asking for debt validation on XXXX, 2021. 

It is now XX/XX/2021and I have still not received any correspondence. I want this account deleted from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My Disputes were send in to Equifax was never resolved, and I'm a victim of the equifax data breach aswell these debts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I believe this debt is fraud, not my account or was opened fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, XXXX XXXX has been retrieving incorrect information from XXXX and Experian. 

Debts on the account are reported multiple times and are old accounts. 

There is a debt showing with a balance of over {$1300.00} when it has been paid. 

Because of this incorrect information, I have been denied an apartment, that I so desperately need due to not having a home.

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 2021-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
On XXXX and XXXX I Discovered That Someone may have Obtained and improperly Used my personal identifying information to obtain credit, goods or services from XXXX XXXX XXXX  AKA XXXX  AKA XXXX  XXXX XXXX, AKA SW CREDIT SYSTEMS , INC and 11 XXXX XXXX in the amount of {$290.00} This unauthorized use of my information was discovered During A follow up Check of My XXXX  Credit Report in response to monitoring alerts that I received On XXXX and XXXX. I have never had any account with this company or any of its Listed Affiliates. I have never authorized any use of my personal identifying information to obtain any credit, goods, or services from the entities listed. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their listed addresses XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX phone and On or around XXXX XX/XX/2020 I filed a Identity Theft Police Report with the XXXX XXXX Police Department in regards to XXXX 's unauthorized use of my personal information in order to support the manufacture a erroneous debt that I do not owe. I was never notified about any debt with XXXX. XXXX and it's affiliates are providing information to others about the {$290.00} debt. It was only after I received a monitoring alert that I discovered that XXXX was sharing erroneous, and damaging financial information about me with others ( XXXX XXXX POLICE DEPARTMENT SUMMARY INCIDENT REPORT NUMBER : XXXX ) ( SPPD Tracking # XXXX ) I have never received any verbal, or written notification of any {$290.00} debt owed from XXXX  or any of it's listed affiliates. XXXX and it's related companies are causing damage to my reputation due to their improper actions on a recurring basis. And Now SW Credit systems Inc. L.P

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
The date on this account is inaccurate and is over 7 years old. By law it is supposed to be removed and it's showing on all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XXXX thru XXXX ______________________ To : Staff Consumer Financial Protection Bureau 1. There has been a Health Crisis in Family concerning Covid/19 Impact on the everyday wellbeing of Family Life. 
There has been XXXX XXXX XXXX, XXXX XXXX  with Sister/Law Underlying Conditions /Possible XXXX with other Family, Etc. 

2.That there is certain New Laws Passed by Congress during Coronavirus Pandemic & other U.S. Laws that protect Veterans, XXXX, Etc 3.That had called J.P.Morgan Chase Bank concerning Financial HardShip without workable Plan. 
That the Address Contact : J.P. Morgan Chase Bank XXXX XXXX XXXX XXXX, Delaware XXXX XXXX No XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: SC

Complaint narrative:
When obtaining this loan I was not aware that interest rate is almost 100 %. I borrowed {$3500.00} and will end up paying more than {$11000.00}. How? I can not afford that. In all honesty they were not forthcoming with this information after I applied online and they called me. I have been making {$140.00} payments every two weeks since XX/XX/2020 and I still owe XXXX. How? Somethings not right about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc.
State: GA

Complaint narrative:
The company is reporting incorrect data. This account is most likely, has reached its limit and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America account was accessed at on XX/XX/2021 XXXX The transaction posted on XX/XX/XXXX ) {$240.00} was illegally taken from my account at the XXXX XXXX in XXXX. I reported it to Bank of America as soon as I became aware of the loss. They denied my claim ( They stated : " We made this decision because : The charge was authorized by you or by someone who has permission to use the card or account. '' ) Let me be clear, I did not make this charge nor did I authorize anyone to make this charge at XXXX XXXX. 
XXXX Bank of America Claim # XXXX XXXX When they took this {$240.00} it emptied my bank account and then when legitimate bills were paid the bank assessed several overdraft fees. 

My Bank of America account was accessed a second time on XXXX XXXX XXXX This transaction posted on XX/XX/XXXX XXXX This time {$220.00} was taken. The Thief again accessed my account at a XXXX XXXX, this time they use the branch in XXXX. I reported it to Bank of America as soon as I became aware of the loss. They denied my claim ( They stated : " We made this decision because : The charge was authorized by you or by someone who has permission to use the card or account. '' ) Let me be clear, I did not make this charge nor did I authorize anyone to make this charge at XXXX XXXX. 
XXXX Bank of America Claim # XXXX ) When I spoke to a representative at the bank they said they contacted XXXX XXXX on the first claim but XXXX XXXX did not respond. There is no way they can legitimately arrive a the conclusion that I or anyone I authorized made these charges as they claim. Again, let me be clear - both of these were thefts - I did not make these charges nor did authorize anyone to make this charge at XXXX XXXX. 

I have made a report for fraud and Identity theft with the XXXX Police Department - File Number 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 monetary relief
Consumer complaint received 2021-06-20 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: PA

Complaint narrative:
I paid off XXXX XXXX in full EARLY. There was another 18 months on the loan, I paid it in full. Experian investigated my complaint, as it still shows a balance of XXXX owed. Even though I sent them a copy of the paid in full from the XXXX website that shows it has been paid in full. I received the title from XXXX and have sold the car., yet Experian still shows a balance of XXXX. I have been having this problem for a month. They just sent me the new results that says their investigation is complete and the balance of XXXX remains unchanged. Disregarding proof that the loan has been paid in full. But experian told me to update my membership to a paying membership if I want more services. I am not going to pay them money to correct an error on my report.

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 2021-06-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian sent me an email with a application for a XXXXXXXX credit card with no impact on my credit score. My credit score at the time was XXXX with XXXX and XXXX before I applied for the card. I submitted the application for the card between XX/XX/XXXX and XXXX 2021 and received a notice of a drop in my credit score from XXXX XXXX. I logged on to XXXX XXXX and saw a hard inquiry from XXXX XXXX/XXXX. I contacted Experian 3 times and was told that there was not a drop in my score while I was looking at the XXXX and XXXX graph wit the same info on both, 5 point drop. Then a Experian agent said the email specifically said the application would not affect my Experian score. I have the email and it reads that it will not have any impact to my credit score. Nothing on that email singling out experian. I have the email. Experian refuses to fix the problem that they created. XXXX told me to contact XXXX XXXX XXXX  ask for a letter of deletion but the bank will not respond to my voicemails.By XXXX XXXX XXXX, the only info I have, I think it is XXXX XXXX. The only financial action that occurred was the XXXXXXXX XXXX application and that is how I know where the drop came from.

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 2021-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The debt was paid through XXXX  last year 2020. Plus the account is over XXXX years old and has an incorrect start date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have been banned by PayPal from using their app. They indicated I have violated their policy on firearms. I do not sell firearms or ammunition. I only sell accessories. I have attempted to contact the company several times. They never respond. Currently PayPal has locked my account and is not allowing me to access monies in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: PA

Complaint narrative:
The credit bureaus are refusing to give me my reports. All my consumer reports, XXXX  reports, and IRS transcripts show someone else has veen usi g my name and social with incomes, taxes, insurances, XXXX, medical care, and now they are refusing to send me my reports. I have a ton of breach reports and now XXXX XXXX for my tax acxountant breach and still not being given my repirts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
Two months ago, I received a banking statement from USAA that had been delivered to my former XXXX XXXX, XXXX  address. The gentleman who now lives there gave it to the mail carrier and the Post Office forwarded it to me. I then forwarded it to USAA Federal Savings Bank so they could fix my address. Here it is XXXX, and again a statement went to my former XXXX  address. I have sent emails and street mail to USAA - they continue to ignore the fact that I now Live at XXXX XXXX  XXXX XXXX in XXXX, XXXX  : thus my need to file a Complaint with CFPB.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation