vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NV

Complaint narrative:
I am submitting this complaint because I am being affected by ENHANCED RECOVERY COMPANY LLC ( ERC ). This company was not present during this transaction that they are referring to which is a violation, They are telling me I owe an alleged " debt '' which is a violation of 15 usc 1692b. They NEVER had my permission to contact me pursuant to 1692c they do not have my prior consent which is a violation. This company has been harassing me and reporting wrong information to the credit bureaus WITHOUT MY CONSENT which is a violation. As a federally protected consumer i NEVER gave any written consent to report this information ( 15 Usc 1681b ( a ) ). I sent out more than one letter which was NOTARIZED for them to validate this alleged debt and I haven't heard anything back. Also I sent out a copyright infringement notice that was notarized and stamped by the Secretary of State warning them to stop using my name and information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Company is not fairly or timely addressing my disputed transaction. Specifically, American Express appears to be procedurally biased in favor of the merchant, is not acting on my submitted documentation, and therefore may be in violation of the letter and spirit of the Fair Credit Billing Act.

Please see my detailed explanation of the situation and my concerns, attached with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Herbert P. Sears Co., Inc.
State: NV

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-09-22 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: FL

Complaint narrative:
This credit bureau violated my consumer rights under 15 usc 1681b ( a ) ( 2 ) '' no permissible purpose or no written instruction '' I never gave any permission to report such unverifiable and inaccurate accounts. all the disputed accounts are drafted on my letters. I want them to be removed immediately. They failed to delete these after several letters i have sent to them. They failed to verify and update my report the correct way.

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 2021-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/XXXX around XXXX to XXXX XXXX  CST, I attempted to deposit {$4200.00} cash into my Bank of America checking account through the ATM located at XXXX XXXX XXXX, XXXX XXXX, AR XXXX. 

After the ATM took my money, its screen flashed an error message that lasted for about 5 to 10 seconds. Then it restarted the screen by asking if I wanted to deposit or withdraw as if nothing was deposited. 

I also deposited a separate {$6200.00} cash into my account during the same ATM trip. That was successful. 

On the following day, XX/XX/XXXX I called BoA and started a claim. On XX/XX/XXXX, I received a letter in the mail from BoA stating they were unable to approve my claim. 

I would like BoA to : - Investigate the daily ledger for that ATM on both XX/XX/XXXX and XX/XX/XXXX, so the actual cash in the machine and total amount deposited ( minus withdraws ) are equal - Pull the ATM 's transaction logging and investigate that error message - Investigate the video footage for that ATM between XXXX to XXXX XXXX  CST on XX/XX/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 monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have not given Equifax permission to appropriate my name and/or likeness. Equifax has not compensated me for using my name and/or likeness in a commercial capacity for gain, and therefore, they are required to remove everything from this credit profile that i demand as it violates consumer protection laws, privacy laws, and federal and state laws and statutes. 
1 ) I have demanded several times for Equifax to remove ALL addresses except for the address that I've provided, which is my current address. The most recent time was XX/XX/2021. I had this letter served to their registered agent, XXXX XXXX, by a process server on XX/XX/2021, because their attorney, XXXX XXXX refused service on XX/XX/2021. We are currently in litigation in the United States District Court docket # XXXX. There is no permissible purpose by law for Equifax to continue to list addresses that are not mine and that I have not given them permission. ( See attached screen shot of the addresses, and letters ). 

2 ) On XX/XX/2021 and XX/XX/2021, I sent notice to Equifax to remove the " Fraud Alert '' from my profile as it is blocking me from being approved for and using my credit. This was also provided to their attorney, XXXX XXXX. They have failed to remove the " Fraud Alert '' to-date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: CA

Complaint narrative:
I was looking at my credit report on XX/XX/2021 and notice I have unknown items on my credit report that I have no knowledge of, I have never done any consumer transaction with these businesses, my other problem is how can you let these companies furnish you with untrue, unproven and misinformation on my credit report without you notifying me that these items were going to appearing on my report, I have not given consent or authorized to do any consumer transaction with me. So I did further research and find out I was impacted by the XXXX data breach I have sent you a letter and you have not responded back to me yet!!!!!

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 2021-09-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is a formal complaint against Equifax, XXXX and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they're simply ignoring the proof that I've sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: NV

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: VA

Complaint narrative:
This is a complaint against timeshare XXXX. I have requested verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

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 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates nor any medical action with their affiliates nor my family. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. I have provide everything that i was told to do by the CFPB, FTC and the Police department to show this account is fraudulent and that someone is using my information to obtain fraudulent services under my name and information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I used my Capital One Walmart Rewards card for groceries. I order groceries for my elderly mom and stepfather. On XX/XX/XXXX " XXXX '' ( XXXX ) did not call or text before delivering the order to her house. She called me right away and told me someone else 's food was on her porch. I called Walmart. The phone rang a long time before got an answer. I told the employee what happened. He asked his supervisor what to do. He said to give away, donate or use the items that were delivered. They were unable to exchange them due to covid. I would not be billed for them. He took down the order number. I order the same items to be delivered XX/XX/XXXX. That order was correctly delivered. I was billed for both orders! I tried again to call Walmart but could not get through. I disputed with my credit card company. An employee at Walmart lied and told the credit card company that the order was delivered and in good condition (?! ) so the credit card company rebilled me the disputed amount! My mother also sent them a letter. This is a lot of work and aggravation. I have tried reaching to higher Walmart employees. They said they are not going to correct it because I got the credit card company involved. This Walmart is in XXXX XXXX in XXXX Ohio. Their phone number is XXXX. On XX/XX/XXXX I contacted Capital One XXXX. I spoke with Both " XXXX '' ( was disconnected ) and XXXX XXXX. I was told " The case was considered closed. '' They told me to resolve it with Walmart. Walmart XXXX ( XXXX XXXX ) said to resolve it with the credit card company. I refuse to pay for groceries that were delivered to someone I don't know. Walmart does not give paper receipts. I took pictures of what was ordered both days and billed and they were sent to Capital One through a link they sent me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
This debt is unverified and it is not my debt. XXXX has removed this debt on XX/XX/XXXX because it could not be verified. The other credit bureaus have not followed suit. If XXXX could not verify the debt how could the others verify it along with Radius Global? What was the method of verification.

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 2021-09-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is a formal complaint against XXXX, XXXX and Transunion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they're simply ignoring the proof that I've sent them.

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 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had unauthorized charges from XXXX from XX/XX/XXXX until XX/XX/XXXX and when I spoke to Regions account representatives, they stated that they will issue the refund and directed me to go to a branch. I went to the branch and the manager didn't even know how to process the dispute and finally figured it out and about 2 weeks later I received a letter stating that my claim was denied after further review.

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 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC
State: NJ

Complaint narrative:
I call this debt collection company under the name JHPDE FINANCE I , LLC due the fact they appear on my credit report agencies. For my big sorprise their representative told me she could not locate this account in their system, I gave her my Name, SSN and even the account number that appear on the credit reports. 

I ask her how is this possible and how is posible that if my name is not in their system they report this to the credit report agencies??? ... AND SHE TOLD ME ' '' " OOHH IS DUE THE FACT YOUR ACCOUNT DID NOT REFLECT ON OWER SYSTEM YET, ONCE THE ACCOUNT IS REFLECTED WE CAN GIVE YOU MORE INFORMATION ..... 

SO HOW IS MY INFO IS NOT YET REFLECTED THEY COULD REPORT THIS TO THE CREDIT AGENCIES, AND HOW THE CREDIT REPORT AGENCIES COULD VERIFY THIS ACCOUNT AS MINE??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I was requesting under the freedom of Information act the contact person that is on my credit report XXXX XXXX, that is employed with Nelnet. Nelnet has denied me that information. I am cover with a Surety Bond that has paid off my student loans that has defaulted. And therefore my debit was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
This account is not mine. I have asked the reporting collection agency numerous times top validate this debt and they are unable to do so, however they keep reporting it to the credit bureaus. In addition, on my most recent credit report, they are now reporting incorrect dates. Originally the alleged delinquency was XXXX, then they changed it to XXXX, not it says XXXX. Jefferson Capital Systems has no regard for the consumer. They are involved in unscrupulous business practices. They have made no effort to try and resolve this matter and have blatantly disregarded my request for validation of this debt. The account was fraudulently acquired years ago, and does not belong to me. They have failed to provide me with any proof whatsoever to substantiate their claim. I requested to see the application, the proof of identity that was provided at the time of the application and the original signature on the application and they can not provide that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
I reached out to this company XX/XX/2021 and explained to them that this account was opened fraudulently as a result of myself being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Hello, I have applied for Bank of America XXXX miles credit card, as it had an attractive XXXX miles promotion. I have spent the required amount ( {$2000.00} ) as soon as I have received the card yet did not receive the miles promised. 
I have contacted customer service on XX/XX/2021 and was told that I need to wait till the miles " post '' on my account. I informed the representative that nowhere that it said on the offer that one needs to wait to get the miles after {$2000.00} is spent, so I was counting on the miles to buy my ticket for my birthday trip. The representative ( XXXX ( XXXX ) out of XXXX ) said there was nothing she can do and I needed to wait. I explained that I can not wait as I was counting on the miles to book my travel... She refused to transfer me or further look into the issue. 
I want to say that it is a shame and malpractice on XXXX XXXX and BofA end to lure people in with the credit card promotion and not to disclose that the promotion can not be used until much later... I booked my hotel already ( with the new card ) and was counting to book my flight this week with the earned XXXX  miles that had been promised in the offer. I would have not gotten the card had the offer been properly disclosed. I am a XXXX XXXX XXXX and work full time, so I really needed those miles to help book the travel and was so excited to use them for my birthday trip ... Now I can not do that, as Alaska did not disclose the promotion and covered up the important pieces of it. In fact, I am not even sure what to do now, as the hotel in not refundable and I don't know where to look for the funds for the trip that the Alaska miles were supposed to cover. 
This situation is not only disappointing, it is a true customer deceit. And the fact that the representative had no desire to help or even look into helping is even worse. 
I believe that in times especially now with what is going on in the world, it is credit card companies ' responsibility to advertise mindfully and not to confuse the public with the offers like that.

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