vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Please forward the information to CAPITAL ONE, NATIONAL ASSOCATION. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan as defined by 15 USC 1602, am disputing the alleged debt with TEXAS HIGHER EDUCATION COORDINATING BOARD and furthermore they have violated my rights as a consumer. I can not be liable to the debt in question as I used my credit card, as defined by 15 USC 1602, to obtain money to attend the XXXX XXXX XXXX XXXX XXXX. For the TEXAS HIGHER EDUCATION COORDINATING BOARD to state that I owe them any money is in violation of 15 USC 1692e ( 2 ) ( A ). In addition to their false and misleading representations they communicated with the ATTORNEY GENERAL OF TEXAS which is a violation of 15 USC 1692c ( b ) and 15 USC 1692e ( 3 ). In this communication it stated that I was delinquent in the repayment of said debt and threatened me with suit, which is a violation of 15 USC 1692e ( 1 ) and 15 USC 1692e ( 5 ). Said communication is also in violation of 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ) as they illegally threatened me with suit and used abusive language. In the very same communication, they stated that an amount is due which is a violation of 15 USC 1692j ( a ). Furthermore, TEXAS HIGHER EDUCATION COORDINATING BOARD communicated with XXXX and had information furnished on my credit file without my written consent in violation of 15 USC 1681b ( 2 ). 
Pursuant to 15 USC 1692h, if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. I am directing TEXAS HIGHER EDUCATION COORDINATING BOARD apply the seven single payments, totaling {$1400.00}, to myself by check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX  Account Number : XXXX* This is not mine.

2. Identity Theft CAPITAL ONE Account Number : XXXX** This is not mine.

3. Identity ThefXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX* This is not mine.

4. Identity Theft XXXX XXXX  Account Number : 5XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optima Recovery Services LLC.
State: TN

Complaint narrative:
I have disputed this collection to no avail repeatedly with the credit bureau but they still refuse to remove it. I have stated that this is not my debt and if so please provide proof. If it was my debt this is a clear violation of the HIPAA laws about sharing medical information with a third party. Also it has the debt listed as open on my credit report and I do not have an account with this credit collection company therefore couldnt possibly have an open account with them.

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 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants Acceptance Corp
State: ID

Complaint narrative:
Merchants Acceptance Corp phone : XXXX address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX The last person I spoke with was " XXXX ''. They filed a lawsuit beyond the statute of limitations and won a default judgement ( I had to work on the day of court ). Long story short... they won. The problem is they are now reporting the account as open and intentionally tanking my credit score as a retaliatory measure. 

XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Received text from XXXX stating that my bank account was inoperative and to contact them immediately at an XXXX number. When called sounds legitimate asked for personal info XXXX #, pin for debit, and debit card number and expiration date and security code for that debit. XXXX was given however when I contacted my bank it was not from them and nothing they were aware of. Ultimately had to call social security XXXX and all XXXX credit companies to protect myself as well as lock and cancel that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I was a cosigner on a loan and the main person quit paying the note and I was unaware and before I knew I was getting a repossession letter in the mail and this was during the pandemic and they repossess the vehicle without even give me an option to do anything when I found out it was already too late they said

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I, XXXX XXXX, am the CEO and founder of a XXXX, Civil Rights organization called Advocates for XXXXXXXX Americans, Veterans, Police, Firemen & Families. This is a national non-profit. 
On XX/XX/XXXX, I took a XXXXr, XXXX veteran for a boat ride, and rented a small boat for several hours from XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, FL XXXX. The rental cost {$320.00}. The rental was from XXXX, however, since the veteran was getting tired, we returned the rental at XXXX pm. We dropped the boat off intact, without any issues. On XX/XX/XXXX, {$3000.00}, was automatically withdrawn from the company checking account at Truist Bank acct # XXXX, by XXXX XXXX XXXX, XXXX claims. I called the bank and inquired about the charge. I was informed that the boat had damage and hence the {$3000.00} charge. I called XXXX XXXX, and was informed that there was damage on the side of the boat, that the boat was left during rush hour and the person accepting the boat was busy. We did not drop off the boat during rush hour, it was before XXXX. I was not sent any information regarding the damage from XXXX XXXX, I was not sent any kind of paperwork, no explanation, nothing. After my discussion with XXXX XXXX I spoke to the bank, informed them that this was a fraudulent charge, and on XX/XX/XXXX, the bank returned the amount of {$3000.00}, back into my account, the amount was from credit XXXX claims, XXXX XXXX. On XX/XX/XXXX, the amount of XXXX from XXXX  XXXX was automatically taken from my account once again.Truist allowed this company to take the funds from the business account without any documentation of proof. No one, from XXXX XXXX XXXX sent me any explanations, they did not accept my explanation, We still do not know how this amount, the {$3000.00}, was configured. I did not sign a document that allowed XXXX XXXX to withdraw such an amount, My bank allowed this fraudulent amount to be withdrawn, causing numerous other payments to be declined, causing a variety of {$35.00}, overdraft fees. I have never had a negative balance in the business account until now. I do not accept this withdrawal, I do not owe XXXX XXXX XXXX {$3000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX is XXXX paid account reporting negatively on my credit report and it is not mine. I want it off. As well as CITI from XX/XX/2013.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have unauthorized inquiries on my credit report. Someone used my social security number to apply for items in my name. I have a active fraud alert on my credit how I was notified these inquiries noted are unauthorized XXXX XXXX XXXX XX/XX/2021 & XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, Ally Financial XX/XX/2021, XXXX XX/XX/2021 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX These accounts are not mine. I am a victim of Identity Theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX XXXX - XXXX and Wilshire Consumer Credit XXXX These accounts are not mine. I am a victim of 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 2021-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The accounts that are reporting on my credit report are unverified accounts. These accounts date as far back as 2014, i have reached out to no avail to the credit bureaus and they cant provide any answers or proof as to why my credit report has the accounts. I have sent in the accounts with the dates these accounts were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXXCBNA is a paid account reporting negatively on my credit report and it is not mine. I want it off. As well as CITI from XX/XX/2013.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have unauthorized inquiries on my credit report. Someone used my social security number to apply for items in my name. I have a active fraud alert on my credit how I was notified these inquiries noted are unauthorized XXXX XXXX XXXX XX/XX/2021 & XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX  XXXX  XX/XX/2021, XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I do not have an account or a relationship with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. This alleged debt is listed on my consumer credit report. The alleged debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The accounts that are reporting on my credit report are unverified accounts. These accounts date back as far as XXXX, I have reached out to no avail to the credit bureaus and they cant provide any answers or proof as to why my credit report has these accounts. I have sent in the accounts with the dates these accounts were opened.

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 explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Today ( XXXX ), around XXXX or XXXX XXXX., I received a call from XXXX XXXX XXXX XXXX ( number stored in my phone as XXXX ) on my personal cell phone while I was at work advising me that my gas was scheduled for disconnect within the hour because I had not responded to several calls from them about my autopay cancelling or not working. I thought the amount they said I owed was based on the Texas Winter Storm gas leaks and I paid 2 payments ( XXXX & XXXX ) using XXXX from my Chase personal account because I didn't want the gas turned off for my tenants ( 3 different apartments ). The caller who said she was XXXX XXXX provided information about my accounts that only the gas company would know but when I called the gas company they said all my accounts were current and that it had to be a scam call and that these scammers know how to call people using the XXXX XXXX caller i.d . but XXXX XXXX couldn't tell me how they knew my account information, specifically for my rental property so I think the scammers are getting help from someone working for the gas company ( inside job ). The information for the XXXX account payee is : XXXX XXXX Registered as XXXX. I know it was stupid of me NOT to call the Gas company immediately to confirm the XXXX information but I thought I was talking to the gas company and they caught me waiting on an important meeting to start which is why I called XXXX immediately after my meeting only to learn it was a scam call. I also called the XXXX number XXXX and a man answered but I hung up. I also called the number XXXX XXXX gave me ( XXXX ) but no answer ; voicemail said the text mail subscriber you are trying to reach is not available and please leave a message but I hung up. XXXX XXXX advised that she will call me tomorrow to discuss my gas account but I seriously doubt since they now have my money through fraudulent means. I called Chase Bank to see if they could cancel the two XXXX payments totaling {$990.00} but they advised that once the payment was delivered that I had to call the merchant and have them reverse or refund the money. However, as previously stated the merchant on the XXXX payment shown as XXXX XXXX was a scammer - not XXXX XXXX ( Gas company ) even though the call came from their number. I would like your help recovering my money if possible and also to STOP this scam so that they can not do this to anyone else. Any assistance or help that you can provide will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have 2 ARS collection notices, I was not notified of a medical bill ( s ), I was never provided with the Dr. information, date of service, itemized charges, I have requested information and have not recieved any proof from the collections that this is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I went to pay my mortgage as usual and when I logged in to Mr. Cooper website my mortgage went from XXXX to XXXX without notice. I contacted my closing attorney and loan officer and they told me the servicer is incorrect. The servicer has me down for XXXX in property taxes but the XXXX 's where I live gave me documentation showing my taxes is XXXX. I have been getting debt collection calls. my payment is still showing as if I didnt pay my mortgage. they said it is a partial ; payment. 

They tried to charge me to pay over the phone because the website does not give you an option to input an amount to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX FL XXXX has been sending me collection notices in the amount of {$6300.00} {$4000.00} and {$3200.00}. The collection has been placed as past due balances. I do not know this company. I have never did business with this company l. This company does not have any legal binding contractual agreement with my name on it. I want this alleged debt Given back to the original creditor or removed 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 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I do not have an account or a relationship with Sequoia XXXX XXXX. I do not have a contract with Sequoia XXXX XXXX. This alleged debt is listed on my consumer credit report. The alleged debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Renton Collections Inc.
State: WA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX Credit Bureau and found that this RENTONCOLL ( Original creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation