vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against RASH CURTIS & ASSOCIAT for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RASH CURTIS & ASSOCIAT, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RASH CURTIS & ASSOCIAT, continues its collection efforts, I will file for litigation for actual damages caused and RASH CURTIS & ASSOCIAT, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am out XXXX XXXX XXXX XXXX XXXX On XX/XX/2023 I went to the XXXX XXXX Chase Bank JP Morgan and the banker, XXXX XXXX helped me deposit four of my XXXX XXXX XXXX checks via the mobile app and two additional XXXX XXXX XXXX checks I had to give to the teller in person because the amount was too high for mobile deposit. On XX/XX/2023 I went to the XXXX XXXX to withdraw {$10000.00} out of my account and it was declined. The bank told me that they suspected it was fraudulent because their third-party verification system did not verify the telephone number on the check stub. They told me they can not release my money due to the fact the number is not a registered number to the company. The checks were Issued from XXXXXXXX XXXX XXXX and the Insurance Carrier is XXXX XXXX XXXX XXXX  served by XXXX XXXX XXXX  and XXXX XXXX XXXX phone number is ( XXXX ) XXXX. It clearly says on the stubs that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The checks have cashed and cleared on the Insurance side but the bank has been holding my money since XX/XX/2023 and refusing to release it to me even though it has cleared and will not return to Insurer. 
on XX/XX/XXXX I spoke to and emailed XXXX XXXX who requested a credit card statement to match my address on file. I emailed it to her. XXXX XXXX stated that my account will be restricted for 10 business days and on the XXXX business day the bank would either remove the restriction on my account or send back money to Insurer. I show up to the bank on XX/XX/XXXX, which marks the XXXX business day and they would not send the money back to the insurer nor remove the restriction on my account. On that day, They told me they closed my account and that I can't access my funds. 
On XX/XX/XXXX XXXX XXXX the Branch Manager requested copies of my paystubs to upload to my profile. I provided all 6 paystubs. She said they would file a suspense release form and depending on the result they may or may not write me a check. On XX/XX/XXXX I went back to the same branch to check on the status of the suspense release and the banker told me XXXX XXXX never uploaded the documents she asked for on my profile. XXXX XXXX also did not upload the credit card statements she requested from me according to the banker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a ststement of {$1800.00}, serving billing period XXXX XXXX, payment due date XX/XX/XXXX, from my credit card ending XXXX Visa of Wells Fargo XXXX 
I schedule to my bank XXXX XXXX  to make a payment on XX/XX/XXXX ; I checked the payment done by XXXX XXXX  and I read the statement done to Wells Fargo on the date scheduled, XX/XX/XXXX. 
Suprisingly, on XX/XX/XXXX, i received an email from Wells Fargo saying thet my statement mentionned above is due. 
I respond back that my payment transaction shows on my account with XXXX XXXX that was done on XX/XX/XXXX. After that I called XXXX XXXX to confirm that my payment was done as shown on my account, they said yes was done, maybe Wells Fargo did not clear the payment. 
I called Wells Fargo, I told them that my payment was done by my bank, they said they did not receive any check, to wait until Friday XX/XX/XXXX to receive the payment check. 
On XX/XX/XXXX I received the next statement, where I noticed I was charged with a late fee {$25.00} and a charge named total interest {$40.00}. Considering my payment done on time, XX/XX/XXXX, show my wright attitude as a customer, the late fee and other penalty charge is for people not willing to pay, or showing a consistent intention to pay late, I alloways pay full and on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27 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: MI

Complaint narrative:
Regarding my JPMorgan Chase account ending in XXXX. 
On XXXX I tried to perform 2 Balance transfers to my XXXX cards. One for {$1500.00} XXXX to card ending XXXX and One for XXXX to XXXX XXXX ending XXXX. After over 2 weeks, I called on XX/XX/XXXX to see why my Balances hadn't been transferred. At that time it was disclosed to me that the transfers in question went to the XXXX XXXX where I don't have any accounts, it was further disclosed to me that it would take " Up to30 for them to review my Claim ''. I called again on the XXXX of XXXX to see where in the process the claim was, and was told the 30 days had not passed yet. I called on XXXX to confirm the 30 days had passed and I was due the credit back into my account-including Balance transfer fees and any other potential accrued charges due to their error. During that call, I was informed that yes the review process time had expired and the agent was happy to process my refund, and unfortunately, that will take up to another 7 days. Today XXXX, after being transferred several times I was told by XXXX. XXXX in their Missouri office that " Your claim is still under review ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I called Wells Fargo an told them I lost my job and couldnt pay for the vehicle any longer. So I cleaned the car then told them to pick the car up. After that they sold the car for {$40000.00} then sent me a bill for almost XXXX saying I had to pay the remaining balance. And I only owe {$37000.00} on the car. Now they have destroyed my credit. Please help.

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 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I closed my Citibank credit card in XX/XX/XXXX. Yet I began receiving emails about account activity as if the card were open in XX/XX/XXXX, saying there was an unpaid balance and late payment fees. At first I thought the emails were from scammers because they reported that my closed account was in collections. But then the offshore collections department  mentioned a XX/XX/XXXX rental car payment of about {$100.00} that Citibank had made on my behalf, even though my account had been closed for 10 months. 

Afterward, I called Citibank several times to rectify and kept getting bounced around to different departments. At one point a woman insisted that I pay a {$90.00} penalty fee to close the issue. I refused and drove out of state to visit a Citibank branch in person for help. The branch manager assisted me in opening a dispute for the {$100.00} charge. but in the meantime, Citibank sent a negative report to credit bureaus and my score plummeted from the mid-800s to the low 700s. 

I've maintained excellent credit for decades and desire that Citibank provide a corrected update to the credit bureaus to restore my credit to its former standing.

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 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine and Weiner has willfully violated me as a consumer. The company has disregarded my rights as a consumer. The first communication was initiated by me. I noticed there was an account furnishing on my report that Caine & Weiner is attempting to collect. I did not receive any communication or opportunity to dispute before this company furnished this to the CRAs. A cease and desist was put in place with specific instructions. I asked for Caine and Weiner to stop reporting and delete the account. They placed it in C & D status but refused to remove this account. They refused to validate or adhere to the FDCPA. This situation has been a complete nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: NE

Complaint narrative:
My Fianc and I were both named on an illegal collection attempt by XXXX XXXX XXXX on behalf of XXXX XXXX. This is an attempt to collect an invalid debt, originally requested by XXXX XXXX ( Not XXXX XXXX, as reported on our credit reports ) in the amount of {$570.00} for various fees and alleged damages to a rental unit. 

As is standard by Nebraska Tenant Law, specifically Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421.

We had paid a {$500.00} Pet Fee ( non-refundable ) and a {$500.00} security deposit for this apartment. 

The {$570.00} was claimed owed in excess of the security deposit. 

No receipts were ever provided by the original leasor after repeated attempts to get this information from XXXX XXXX. According to Nebraska Law, money withheld from rent and security must be applied to the amount of damages the Landlord suffered, but no proof of such suffering was ever provided, as was our legal right. 

This has already been removed from both of our XXXX reports, my fianc 's XXXX Report ( Mine is still under review, but it is the same debt and the same justification ), but yet, Equifax has deemed that the debt is valid, despite the illegalities stated above with the debt collection itself and the original justification for the debt. 

This debt is not legal, this debt is not valid under Nebraska Law. If it was valid, they would have simply taken us to court for the sum. Instead, they threaten our credit and submit our debt to Equifax AFTER our disputes with XXXX and XXXX were opened, in a clear case of retaliation. 

If two credit unions ( XXXX and XXXX ) have already deemed this justification sufficient and removed the accounts from the credit reports, why then does Equifax see differently? 

No justification was provided from XXXX XXXX XXXX at any point when we requested, via certified mail, documentation for proof of debt. XXXX XXXX XXXX responded to this request but failed to provide ANY documentation. We have a legal right to obtain such documentation. They have continually failed to submit accurate information ( in the case of the original alleged debtor name, XXXX XXXX, not XXXX XXXX ), have not obeyed the Fair Debt Collection Practices Act by failing to provide us with the documentation and proof of debt requested. This debt is not legal under Nebraska Law and they have failed to follow the law in regards to the information we have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear [ Experian ], I am writing to request that you remove the bankruptcy reporting from my credit report and to inform you that I have discovered several unauthorized collections on my report that need to be resolved immediately. 

Firstly, my bankruptcy filing was a result of circumstances beyond my control, and since then I have made every effort to become current on all my debt obligations, including yours. I am confident that you will agree that it is in both our interests for the bankruptcy to be removed from my credit report. 

Secondly, it has come to my attention that there are several collections on my credit report that I do not recognize, and that I did not authorize. I have the right to dispute any unauthorized collections, and I would like to use that right in this instance. As such, if you do not remove these collections within ten ( 10 ) days of receiving this letter, I will report each one to the Federal Trade Commission ( FTC ) and pursue legal action, which could result in a {$1000.00} fine per unauthorized collection item, as per the Fair Credit Reporting Act. 

I appreciate your prompt attention to these matters and look forward to resolving these issues. 

Sincerely, [ 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 2023-03-27 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: VA

Complaint narrative:
This are all inquires that I did not do myself or approve to be done. This is a part of aggravated 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 non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Recently I had requested and received a refund for payments made during the payment pause. I also had an income driven repayment plan on the remaining loan and my account was in forbearance pending my borrowers defense application. The refunded loans were cast back into repayment mode and show a past due balance. Confirmed by Federal Student Aid customer service they should have been put into forbearance pending me borrowers defense application. I tried working it out with AidVantage. Instead they put it in Covid forbearance and because of the second representative doing so the third one said she was unable to correct the mistake and I still have a past due balance. Meanwhile the Federal Student Aid office said all of my loans through XXXX  were covered by the Borrowers Defense application not just the remaining loan my Borrowers Defense application was approved and all payments made will be returned to me. Im concerned with negative credit reporting which AidVantage said would happen bc they failed to put my account in Forbearance as they were supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Multiple accounts on my credit report that I dont recognize

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear [ XXXX ], I am writing to request that you remove the bankruptcy reporting from my credit report and to inform you that I have discovered several unauthorized collections on my report that need to be resolved immediately. 

Firstly, my bankruptcy filing was a result of circumstances beyond my control, and since then I have made every effort to become current on all my debt obligations, including yours. I am confident that you will agree that it is in both our interests for the bankruptcy to be removed from my credit report. 

Secondly, it has come to my attention that there are several collections on my credit report that I do not recognize, and that I did not authorize. I have the right to dispute any unauthorized collections, and I would like to use that right in this instance. As such, if you do not remove these collections within ten ( 10 ) days of receiving this letter, I will report each one to the Federal Trade Commission ( FTC ) and pursue legal action, which could result in a {$1000.00} fine per unauthorized collection item, as per the Fair Credit Reporting Act. 

I appreciate your prompt attention to these matters and look forward to resolving these issues. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: MD

Complaint narrative:
I was trying to buy a house and I realized I have damage on my credit report According to the 15 USC 1681 law there should not be any damages on my report. Its a defamation to my character. Here are the inquiries on my Equifax credit report. 
XXXX Inquiry XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX, XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX- XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX Here are the inquiries on my XXXX  credit report . 
XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX Inquiry- Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have an inquiry on my Experian account that I did not solicit. XXXX XXXX XXXX initiated an inquiry on XX/XX/23 of this year without my consent nor request from me. 

I first reached to them within 3 days of this inquiry date due to concern of potential fraudulent activity. I spent almost 45 minutes on the phone with them as they reviewed their systems to try and find my info. They couldnt find anything with my information on it and they told me I would have to take it up with Experian. 

I called Experian the next day and they told me I would have to take it up with XXXX and get a letter from them stating that the inquiry was invalid. I was told once I had a letter from XXXX I could have it removed. 

I tried XXXX again and they told me they couldnt do anything for me as I wasnt in their system. I feel like I am now in a process where I am chasing my tail. 

For awareness this inquiry is the only inquiry on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation