vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, 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.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On, around, or before XX/XX/XXXX, I received an email from PayPal stating that my password has been changed. Being that I have no logged into this account in well over 6 months, I know for certain that it was not me, nor did I grant anyone access to make any changes to this account whatsoever. Being that I have completed the " Fraud Victim Affidavit '' due to my identity being used in and or on other platforms without my authorization, this type of occurrence may have transpired due to the access of all my accounts, emails, messages, passwords, contact information, etc. being in the hands of an unknown person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I used to have a loan with Bank of America and in my credit report still showing I own them money!!! And I have right now the same loan but with a different company

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 2020-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX of 2019 I mailed a letter to each credit reporting agency that was sent to me from XXXX XXXX XXXX that they would remove this account from all reporting credit agencies and it is XXXX and this is still reporting on my credit 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 explanation
Consumer complaint received 2020-04-16 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:
In XX/XX/2019 I mailed a letter to each credit reporting agency that was sent to me from XXXX XXXX XXXX that they would remove this account from all reporting credit agencies and it is XXXX and this is still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: TX

Complaint narrative:
In XXXX of 2019 I mailed a letter to each credit reporting agency that was sent to me from XXXX XXXX XXXX that they would remove this account from all reporting credit agencies and it is XXXX and this is still reporting on my credit 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 explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
The Mortgage Servicer, i.e. Select Portfolio Servicing Inc. ( SPS ) took over my mortgage Account from XXXX XXXX back in XX/XX/XXXX. I contacted Select SPS by phone on XX/XX/XXXX around XXXX for two ( 2 ) concern. A guy picked up my call and we had aa bad conversation ( comin from him ). 

My Questions were 3 1st question was for the Year ended Statement ( XXXX ). I asked for IRS Form 1098 statement and he gave me YTD Interest & Real Estate I Paid all of XXXX. He gave me ebginning from XX/XX/XXXX. I needed for the whole year ( XXXX ). He rudley that I have to call the previous mortgage holder. I told him that that I tried with no success. I can file my XXXX Tax Return w/o those info. 
2, SPS charges $ 15/month for on line payment. This issue began in XX/XX/XXXX. I pay on line w/o help. That is a ripoff. SPS is dwelling on XXXX, XXXX and elderly people. SPS has a pattern to take advantage of these groups. I am surprised that the Government allows them to operate. 

3. Hostile and Rude customer Service Reps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit.

1 I dont understand the payment history of this account and how the charges went from XXXX to XXXX 2 I asked for the original contract bearing my signature.

3 I asked for the payment history and last payment date made on this account.

4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The email says that it is a notice from professional debt collectors in an attempt to collect a debt that I am not even aware of. I check the website and it shows that it is a Real estate Internet Solution!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account from my credit 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 explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit. 
1. I dont understand the payment history of this account and how the charges went from XXXX to XXXX XXXX. I asked for the original contract bearing my signature.

3. I asked for the payment history and last payment date made on this account.

4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The email says that it is a notice from professional debt collectors in an attempt to collect a debt that I am not even aware of. I check the website and it shows that it is a Real estate Internet Solution!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account from my credit report.!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I have a mail sent to my apartment about a past due invoice with a company going under bankruptcy : XXXX XXXX XXXX. I have made business with them a two year ago, subscribing to their separate utility, gym department called XXXX XXXX. I canceled and continued to no longer pay for any gym subscriptions since last year. The debt they're asking for me to pay is {$140.00}. I have made no pending purchases, merchandise or services from them and did not have any account for them to list me under.

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 2020-04-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I, XXXX XXXX, hereby appeal my Chase bank which account number is XXXX, has charged the insufficient funds fee without my permission, thereby I request the following charges to be refunded. Here is a list of the total amount is {$1400.00} on 43 items each {$34.00}. 
XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit. 1. I dont understand the payment history of this account and how the charges went from XXXX to XXXX 2. I asked for the original contract bearing my signature. 3. I asked for the payment history and last payment date made on this account. 4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from Bureaus Investment Group Portfolio NO 15 LLC. The email says that it is a notice from professional debt collectors in an attempt to collect a debt that I am not even aware of. I check the website and it shows that it is a XXXX XXXX XXXX XXXX!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account from my credit report.!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
i been applied for my UI benefits and got confirmation that evrything would come through. i've found out i've gotten three payments into m account and have yet to receive my prepaid card. i filed on XX/XX/2020. i really need my card and been trying to contact someone on whats going on and haven't received a response yet. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Debt that is more than XXXX years old was added to my credit repor t as a new collection account. It it on all 3 credit reporting agencies. Equifax, XXXX  and XXXX. They published the information after the debt recovery company assured me it could/would not go on my report. This bogus collection account dropped my score 24 pts in one day. The credit reporting agencies are very lax when it comes to negative marks and don't properly investigate the debt and the time of the account. It will take more than 30 days to get this off and in the meantime my trustworthiness takes a fatal hit in these hard economic times!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: CITIBANK, N.A.
State: GA

Complaint narrative:
In XX/XX/2020 I had to get a loaner vehicle from XXXX because my car was being repaired. I had to present a card for any incidental damages. I have attempted to call Citi over 5 times and each time sat on hold for 1-2 hours with no conclusion due to being placed on hold indefinitely when asked to speak regarding my dispute. 

The entire {$430.00} should be reversed. XXXX provided no documentation of me committing to the insurance because I didnt sign anything. Please advise with this being the case how am I liable for this balance. When I escalated this in writing they did no investigation and continued to side with the vendor though they have no documented proof and now are threatening to report negative marks to my credit file

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 2020-04-16 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: MN

Complaint narrative:
( 1 ) XXXX, Equifax, and XXXX  ( " the Bureaus '' are credit reporting companies. 
The information that they obtain which is actionable under the FCRA is from credit furnishers. 
( 2 ) In XXXX, I disputed information about a bankruptcy being reported by the Bureaus. 
( 3 ) XXXX resolved the dispute by stating " verified by the United States District Court. '' This statement was patently false. As a matter of law, federal courts neither furnish nor verify personal case or bankruptcy information to credit bureaus. 
( 4 ) On XX/XX/XXXX, I submitted a " dispute '' online with XXXX  and XXXX  stating that since federal courts do not supply or verify information to credit bureaus, the Bureaus either never verified the accuracy or obtained the existence of the public record through a data source.

( 7 ) This circular process violates my right to accurate reporting by the Bureaus and their opaque but intentional disregard for the FCRA and related doctrine. 
( 8 ) The irony is that I provided the Bureaus, via certified mail, copies of my bankruptcy for the purpose of the Bureaus deleting three accounts by XXXX that are labeled " education loans '' but were determined by the federal courts to not be exempt from Chapter XXXX discharge. The Bureaus ignored the bankruptcy documents, since then these agencies found it not strange that XXXX has changed the status on the challenged accounts about six times in the last 7 weeks.

( 9 ) The CFPB has failed its duty to protect consumers against crafty Bureau policies that side-step federal law out of allegiance to corporate data furnishers. These Bureau tactics have a sweeping impact on interest rates, our nation 's economy, and have cost me tens of thousands of dollars in interest and overpayment for goods due to the rating of these Bureaus.

( 10 ) The CFPB should undertake a joint study with Congress on how to minimize Bureau abuse and avoidance of responsibility for their meaningless dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have tried to call several times and no one will answer the phone. I have disputed this account with my credit bureaus and it gets taken off then reappears months later. They will not send proof of the account being mine. They have not sent any letters in the mail for me to dispute and no way to contact them to dispute the collection. The account is over XXXX years old and statue of Limitations is up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I have been operating business as usual but I have had a higher transaction volume and amount. The account was asked to provide more info to verify, fine I did that. Minutes later, it had to be automated my account was closed. Now I have to await up to 180 days for the money. MY customers have paid for orders, I have inventory to buy. MY family is now being effected, I am being effected, my business, wellbeing, mental health. I need my money so I can continue to earn money and do business. I have upset customers now and it Is because someone is holding MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Debt that is more than XXXX years old was added to my credit repor t as a new collection account. It it on all 3 credit reporting agencies. XXXX, Transunion and XXXX. They published the information after the debt recovery company assured me it could/would not go on my report. This bogus collection account dropped my score 24 pts in one day. The credit reporting agencies are very lax when it comes to negative marks and don't properly investigate the debt and the time of the account. It will take more than 30 days to get this off and in the meantime my trustworthiness takes a fatal hit in these hard economic times!

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 2020-04-16 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: CA

Complaint narrative:
Upon checking my annual credit report i noticed errors reporting on my credit file.

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