vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
As the consumer, I am disputing the accuracy and completeness of the contested information, and I adamantly refuse to remit payment for the following accounts : XXXX XXXX XXXX : Acct # XXXX. My entitlements under the Fair Debt Collection Practices Act ( FDCPA ) empower me to challenge inaccuracies within my credit report. Pursuant to the FDCPA, I possess the right to contest false information, supported by evidence exposing questionable practices ranging from inappropriate language harass, oppress, or abuse ( contravening 15 U.S.C. 1692d ( 2 ) ) to deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). While validation and verification are not my primary concerns, the imperative is the presence of erroneous data on my consumer report. I urgently request immediate action, specifically the expeditious deletion of derogatory information. Failure to rectify this matter within the next 10 days will compel me to escalate the issue to the United States XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. While my preference is an amicable resolution, the dwindling timeframe necessitates prompt attention to avoid legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Account Managers, Inc.
State: CA

Complaint narrative:
I am writing to formally address and dispute the collection account being reported by Grimm Collections, purportedly stemming from an alleged contractual arrangement with XXXX XXXX. I want to clarify that I have no contractual affiliation or relationship with Grimm Collections, and thus, I do not recognize any supposed contract they claim to have with me. 

My foremost concern pertains to the lack of documented consent or authorization granted to Grimm Collections regarding any association with XXXX XXXX. I have not provided any such consent, nor is there any evidence to support Grimm Collections ' claims to the contrary. 

Furthermore, Grimm Collections lacks the authority to engage in any actions or transactions regarding XXXX XXXX without the explicit consent of the only real party of interest or surety involved. I demand evidence to substantiate any claims of authority that would justify their involvement without proper authorization, which, as of now, remains conspicuously absent. 

Regarding any signature referenced by Grimm Collections, it is imperative to note that any signature they possess can not be considered valid if it was obtained under questionable circumstances. Therefore, any purported signature attributed to XXXX XXXX, held by Grimm Collections or XXXX XXXX, is hereby rescinded and invalidated. 

Due to concerns about potential harm and the infringement of the rights of myself and of the surety, I formally declare the discharge of any obligations toward Grimm Collections due to their communication with me without prior consent from the surety. I also demand the prevention of any trespass against the rights pertaining to the subject matter in question, especially as they pertain to beneficial title holders in private. 

It is crucial to emphasize that neither Grimm Collections nor XXXX XXXX have been granted permission or consent to furnish any information to credit reporting agencies, especially in the absence of my explicit written consent, which remains absent and unverified. 

Furthermore, I hereby revoke any and all forms of consentverbal, non-verbal, written, or otherwisegranted to XXXX, XXXX, XXXX, Grimm Collections, or XXXX XXXX. Additionally, any security interests purportedly granted to XXXX XXXX or Grimm Collections are hereby rescinded, revoked, and rendered null and void ab initio. 

I expect a prompt and thorough investigation into these matters and the immediate cessation of any further communication or reporting by Grimm Collections and XXXX XXXX until these issues are satisfactorily resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: ADP Inc.
State: CA

Complaint narrative:
Almost {$3000.00} was taken fraudulently from my Wisely bank account. This was for rent and groceries. Almost my entire pay check. I called immediately when I saw the fraudulent transactions on my account. This was on Sunday, XX/XX/2023. The transactions originated form an entirely different state ( Texas ). I live in California and that's where my mailing address is listed with Wisely. I was told that the claim might be resolved within 1-2 days. Also that I would receive correspondence via mail about the claim within 5-10 business days. I called to follow up on the claim on XX/XX/XXXX. I was told that the claim would now take 30-45 days to resolve as it was under investigation. I called again on XX/XX/2023. They said the claim was still under investigation and there was nothing they could do. I called again XX/XX/XXXX on day XXXX of the business day period as I still had not received any correspondence regarding the investigation. I was told that it should arrive. Maybe Monday ( XX/XX/XXXX ). I was now told that the investigation could take up to 90 days. I've still received no money back, no correspondence and each time I call I get told different information. I asked if they could send me an email with any information about the timelines and was told by their customer service representative that they can not send emails. I am currently living off credit as such a large amount of money was fraudulently taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/2023 Experian was sent a letter for me by asking for them to verify an item that was reporting on my credit. It has been removed from XXXX and XXXX because the item did not belong to me. I have asked that experian send me the documentation listed on my dispute.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: KS

Complaint narrative:
This account is showing as open with a XXXX dollar past due despite them being paid out in full by XXXX  in XXXXXXXX XXXX XXXXXXXX, before that, the car had been damaged earlier in the year and they delayed the insurance payout. 

On my credit it is showing as in collections despite me still paying every month until the car was paid off by insurance. 

I can upload a payment history from their system showing the car was paid in full. 

I've tried XXXX separate times, going back to XXXX to fix this with the company, but they keep saying its not their fault. 

I want this fixed as it is affecting my ability to get financing for a house.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please immediately remove my incorrect name and date of birth. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please immediately remove my incorrect name and date of birth. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
During a stay at the XXXX XXXX in XXXX, Arizona there were XXXX stains all over the bed ( I have photos ) and what appeared to be bedbugs. I refused to stay there and demanded my money back, they refused. 

When I disputed the charge with Capital One Mastercard the credit card company refused to send my response to the vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
XXXX  Account # XXXX THIS ACCOUNT IS NOT MINES, I NEVER SIGNED A CONTRACT WITH XXXX XXXX XXXXXXXX . THEY ARE IN VIOLATION OF MY PRIVACY FOR USING MY INFORMATION THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. 

IN VIOLATION OF MY PRIVACY FOR GIVING MY INFORMATION TO A THIRD PARTY PLEASE REMOVE THIS ACCOUNT IMMEDIATELY

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 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Got scammed by a business in XXXX XXXX pretending to be the USPS selling discontinued Forever stamps at a discount. I DID and initial transaction for {$71.00} on XX/XX/XXXX for stamps. The quantity was not clear, but thought it was for XXXX stamps. No confirmation email was received. 
Stamps came about 10 days later. Checked my XXXX  statement and there was a second charge for {$340.00} for the same day. 
Name on company on internet : foreverusps Name of company on printed statement : foreverusps XXXX Realized I'd been charged way more than the going rate for legit USPS forever stamps. 
Reported to USPS. Directed via their email response to return said stamps to my local post office, which I did on XX/XX/XXXX. 
Reported dispute with XXXX  company ( Amazon XXXX XXXX ). There was not a category that exactly fit the description of what happened so reported that I was dissatisfied with the product. 
The {$71.00} transaction dispute has been declined and closed by XXXX XXXX, because I received goods and did not have them to return to the seller. 
The {$340.00} charge is still open, but I suspect they'll not honor my dispute on that one either. 
I have not contacted the seller because I can not find this organization on the internet, nor listed at the address from which the " product '' was purportedly sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received a call from target in regards to a credit card application. I did not apply for their credit card and other than my name and a previous address, the other info given did not apply to me. Target marked the application as fraud and suggested I report the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: MO

Complaint narrative:
On XX/XX/XXXX  I filled out an application for a personal loan on credit karma website for XXXX with Regional finance for a interest rate of 35.99 %, after being approved I was asked to stop by their office to sign some papers which I did. Then they told I filled out a application for {$2500.00} my response was no I filled out a application for {$3500.00} this person showed me the contract amount it said {$2500.00} after seeing the amount on the application I did not question it no more and since I really needed the money I settled for the {$2500.00} loan. Then about a month later I was trying to refinance my home and the credit union said I had a loan from Regional finance that had collateral attached to it I told I did not have no such loan that persons response was you have a tv attached as collateral I told that person that I gave regional finance no model number or a serial number for anything, then I was instructed to call regional finance and ask about that and I did just that I was told not to worry about it there was no property attached to the loan .After that I went back to my e-mail and looked up the contract there was nothing said about any tv then I looked a little bit closer and they changed my interest rate to 79.99 % after they convinced me that my application was for {$2500.00} instead of {$3500.00} they switched my application a to higher interest rate that I did not see upon signing. I believe this was done intentionally. Isn't this against the law???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
Urgent : Unjust Account Lockdown and Impending Tuition Deadline On XX/XX/2023, my account was inexplicably locked without any prior notice or apparent reason. This has put me in a precarious situation, especially given the imminent deadline for my XXXX XXXXXXXX  tuition fee payment. As an XXXX student, this payment is crucial for both my academic pursuits and maintaining my legal status in the United States. 

My total online savings balance, approximately {$51000.00}, is currently inaccessible due to the account lock. Despite numerous attempts to seek assistance from Marcus customer service, the responses received thus far have been unhelpful and lacking in clarity. 

Upon initially opening my account, I diligently provided my citizenship information and Social Security Number, as required. However, I am now being told that additional verification, such as a U.S. driver 's license or state notarized forms, is needed. I inquired about the sufficiency of my passport for verification, as your website indicates that any passport is an acceptable form of identification. Surprisingly, the customer service team has insisted on conducting further reviews and has denied the acceptability of my passport. 

The implications of this account lock are severe, as I am unable to fulfill my financial obligations for the approaching tuition deadline. My education, career, and overall life trajectory are at stake due to the hindrance caused by Marcus ' decision to lock my access to funds rightfully owned by me. 

If Marcus has a policy of not conducting business with non-U.S. citizens or international students, it should have been transparently communicated during the account opening process. Taking my money and subsequently locking my account without reasonable cause creates an appearance of fraudulent activity. 

I urgently request your immediate attention and resolution to unlock my account, allowing me to proceed with the necessary tuition payment. Your cooperation in swiftly addressing this matter is paramount to ensuring the continuity of my education and legal status in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Advantage LNS Inc.
State: AZ

Complaint narrative:
This company National Credit Audit Corporation XXXX XXXX XXXX  XXXX # XXXX ) has put a {$4600.00} on my credit report and refus to step off.I worte letter to dispute to all 3 credit agencies to take it off and they refused as well. The N.C.A.C. sented me some copies they got from XXXX XXXX  XXXX with fake amount of bogus charges and trying to scam me out of {$4600.00}. With this on my credit report it put a hardship on my credit being damage until I get this resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Reported on XX/XX/2023. XXXX XXXX posted a closed cell phone account ( XXXX... ) with an unpaid/past due fee {$140.00} on my credit report. Causing my credit score dropped XXXX from XXXX to XXXX. Since I have never bought or used any XXXX products, cell phones, nor have had any accounts with them. I believe this is fraud and needs further investigation. 

I contacted XXXX XXXXthe collection agency who manage the account, proved to them this is an identity theft case. They agreed to help investigate and will provide comprehensive information regarding this case.

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 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
Credit Card Application # : XXXX Inability to give me access to this account is securities fraud for withholding an extension to my own credit and will be notified to the SEC and FTC. Please retract my application from reporting to my credit profile if you are unable to acknowledge a completed application and give me access to this account as stated under the regulations of the Equal Credit Opportunity Act and Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am victim of identity fraud. I have XXXX accounts in collections that I have never used or opened. And this year I have had my taxes reduced because of it. there are XXXX accounts from midland credit management in XXXX mi. 
the first account opened XXXX XXXX with {$550.00} owed the XXXX account opened XX/XX/2019 with {$470.00} owed the XXXX account opened XX/XX/2019 with {$430.00} owed the XXXX account opened XX/XX/2019 with {$840.00} owed these accounts were from community bank I have been in foster care my whole life everyone has had my social security number at some point.

Company response to consumer: Closed with non-monetary relief