vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. XXXXection 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

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 2021-12-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello Here, I am writing here asking for help with a recent case that happened with my disputing a change from United Airline to my Chase account. 

I made a purchase through XXXX  for one ticket ( ticket A ) for my mother on XX/XX/2021, and because of the COVID situation, we adjusted the flight date several times on XXXX XXXX, XXXX, XX/XX/2021 with several additional charge transections. On XX/XX/2021, I brought another ticket ( ticket B ) for my wife so she can fly with my mother. 

On XX/XX/XXXX, we decided to upgrade the two ticket, so there is an additional charge with the upgrade. However, because ticket A and ticket B has different original value ( meaning we payed more for ticket A to start with ), the two tickets should be changed different amount when upgrade. The ticket A has an original value of {$4700.00}, and ticket B has an original value of {$4100.00}. When we upgrade the ticket to a value of {$5100.00}, ticket A should be changed for {$440.00} and ticket B should be charged {$1000.00}. This is correctly reflected on our receipt from XXXX ( attachment 1 ). However, XXXX  has incorrectly charged me two times of {$1000.00}, whereas one of the charge should be {$440.00}. 

I have communicated this issue with Chase. But chase decided not to return my money with a letter did not explain why ( attachment 2 ). I am writing to ask for your help regarding this issue, and looking for suggestions. My email address are XXXX if you need to contact me for additional information. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I received a letter from TD bank stating I owed them XXXX because my account was over drawn. I just was release from XXXX in XXXX and have only banked with XXXX XXXX. I filed a complaint with the fraud department associated with the bank. They then gave me a list of number to continue to call to keep my identity safe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX XXXX and 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 2021-12-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have had identity theft in the past. I have submitted a report to the federal trade commission with recent report number XXXX which I have attached a copy of for your reference. I have requested unauthorized credit inquiries to be removed from my credit reports and the only credit bureau that is not removing them is Equifax. I have sent many letters over the period of one year and included the ID Theft Report which should be enough and the other bureaus XXXX and XXXX have complied and removed the unauthorized inquiries, however Equifax has not. I have a right to an accurate credit file and this in unacceptable. The following inquires were not authorized by me and I did not apply in person or online for lines of credit with these companies ; XXXX XXXX ( I have not step foot in this car dealership or applied online or in any other way! ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not even know who XXXX XXXX is or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DriveTime
State: PA

Complaint narrative:
As the debtor and consumer ( natural person ) who was involved in a consumer credit contract in XXXX of XXXX, I am exercising my rights under 16 CFR : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The reason for exercising my rights is due to the fraudulent practices conducted by the seller in regards to my NEGOTIABLE INSTRUMENT. I am exercising my right to rescind/ revoke the seller as POA. Representatives of the seller kept referring to " the CONTRACT '' I signed but according to 16 CFR 433.1, a " contract '' is between the creditor and seller ( or if the credit and seller are bonded by common ownership ) while a " consumer credit contract '' is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale. According to XXXX law 's dictionary, an instrument is evidence of an alleged debt, normally in the form of a cash advance, such as a check. However, during the transaction, I, the consumer, did not receive a check nor did I receive the title to the vehicle on the consumer credit contract. The reason this transaction is now void and fraudulent, is the violations of the Truth in Lending ACT 15 U.S. Code 1605 in particular regarding the " finance charge. '' All violations can be found under 15 U.S. Code 1605 as the finance charge ( also under regulation Z ) states the finance charge is the sum of all charges. There should not be a list of several charges appearing on the consumer credit contract. All amounts should be under the finance charge. Next, there should be amounts paid in the form of a cash transaction under the finance charge but there was a {$200.00} cash payment at the point of the consumer credit contract. Lastly, 15 U.S.C. 1605 states insurance is part of the finance charge unless two requirements are met, one being the creditor /seller should tell the consumer he/ she can choose whatever insurance provider that is approved by the creditor / seller and the other requirement is that the creditor / seller tells the consumer what the cost for insurance would be if the consumer obtained insurance from or through the creditor / seller. The second requirement was not met in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I have a amount from a credit card in collections on my credit report. I did not authorize this account to be opened and was not aware of its existence. It is a fraudulent account opened in my name when i knew nothing of credit cards or credit card debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have been a victim of identity theft. This has been going on for months unfortunately until today it has not been resolved. There are two PNC accounts that don't belong to me. I have tried several times to dispute with the bureau and the creditor. I actually tried calling PNC a few times and after waiting and waiting no one ever resolves my issue. I have sent in all the documents proving that I have been a victim of identity theft. The bureau has stated a few times that both these accounts have been verified however what is the source how are they verifying no one can provide any type of proof. I have overnighted and certified several times and until today nothing. I have requested a 623 to verify debt as well and until today nothing no correspondence. Section 623 of the Fair Credit Reporting Act ( FCRA ) requires the federal banking agencies ( Agencies ) and the Federal Trade Commission ( FTC ) to : Issue guidelines for use by furnishers regarding the accuracy and integrity of the information about consumers that they furnish to consumer reporting agencies. They have violated my rights and at this point I have exhausted all my options. Creditor tells me one thing while CRA tells me another. This is absolutely hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I have provided an FTC report and stated the constitutional laws that were being broken by this agency. They have replied by stating that the accounts in question have been validated by the creditor and have failed to provide such proof. Also according to the constitution, the " original creditor '' which in this case is me, I am the ONLY party that can validate such a debt. The " creditors '' that this agency is referring to is only allowed to ASSUME that a debt is valid. Along with such malpractice, agents of this agency have told me that they do things according to " policy '' & not the law. This agency is violating so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A - Congressional findings and statement of purpose, & 15 U.S. Code 1681B - Permissible purposes of consumer reports & 15 U.S. Code 1681E. No consumer reporting agency may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the consumer report is accurate unless they HAVE PROOF. As a matter of fact, no consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature & proof of identification, or presence.

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 2021-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
There were deferred payments XXXX, I made a payment in XXXX in full {$800.00}, and then I kept getting calls harassing me for {$200.00} more but I was told everything was all caught up to that point, through XXXX. At the end of XXXX. I made a {$1000.00} payment minus the waived late fees the rep waived. Now theyre saying I owe {$86.00} in late fees, Ive been told a different story different amounts owed and its never the same its always more and they always say they dont have it on record what another rep said or promised and I am getting tired of being thrown around and treated so badly. They wont work with me. I need help Im in financial distress since COVID-19, and I bought the car right before that disaster hit! Now funds are low and Im struggling to pay my loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: IL

Complaint narrative:
I have been requesting the contract and payoff amount for the Global Lending Services account for which I had been making payments from the company since XXXX of XXXX. The company would never send out the documents for which I had requested. In XXXX, the company repossessed the vehicle on XX/XX/XXXX, citing that the payments for the vehicle was 30 days late. I paid all monies Global Lending Services SAID that I owed ; when I asked for that information in writing, along with a receipt, I was advised by the representative that the company doesn't provide that information. I was then advised that I was 30 days late, which I was not. The company had removed my name from the vehicle 's title, and had to send me a power of attorney document to put it back after paying the money they told me that I owe them. In addition, on XX/XX/XXXX, the company reported to the credit reporting agencies that I was 90 days behind and owed {$13000.00}. I have been requesting the credit bureaus to investigate ; the company provides the credit bureau no documented information. 

I sent GLS a letter XX/XX/XXXX requesting the contract for the loan with the payoff amount in exchange for my payment to settle the account by XXXX XXXX. The original request was ignored. I sent out a second letter extending the offer for XXXX additional days ; the letter was ignored. GLS did not respond to the letter that I sent them, however, they continued to call and report to the credit bureaus. I continued to pay through XXXX. I then sent out a request for the company to send out a release of lien letter to be removed from the title as they have denied me the equity in a timely response and to pay off the loan, which legally and financially settled any business regarding that account. 

GLS has recently reported negative information to the credit bureaus regarding the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: FL

Complaint narrative:
I have reached out to Fed Loan Servicing and requested information in which I have yet to receive a response. Fed Loan Servicing is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation