vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I received a letter XX/XX/XXXX From XXXX XXXX XXXX that there computer system was compromised XX/XX/XXXX. I am disputing this account with AARGON COLLECTION AGEN Original creditor : XXXX XXXX XXXXXXXX for {$7700.00} that was opened on XXXX XXXX. I have the right to accurate information on my credit report and from what the letter says my Identity was possibly stolen and account compromised now I have to take steps to protect my identity. XXXX has given me an individual code for XXXX privacy for 12 months of credit monitoring.

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 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Midland Funding of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Midland is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud.

Midland has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). 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 ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have called Experians fraud dispute department located in XXXX XXXX. A male agent answered the telephone and identified himself as XXXX. XXXX then deliberately and willfully hung up on me for whatever reason. I have called Experian on several occasions and never had any agents hang up on me except when XXXX from the fraud department answers the telephone. 

I have gotten XXXX several times and each and every time the call is disconnected at the onset of the call. This is unprofessional and reflects poorly upon Experian. This is preventing me from filing a fraud dispute over the phone, pursuant to my rights under the Federal Fair Credit Reporting Act. This is, among other things, an abusive practice. Mikes behavior is improper. I have all of the recordings with XXXX recorded. 

Please be advised : this notice is an attempt to correct Experians egregious behavior and any information received from you will be collected as evidence should any further action be necessary. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Federal Trade Commission CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have repeatedly called their CS line as well as even RETURNED promotional offers and them trying to get you to sign up for some other stuff they send. I don't want them. I have even opted out with the credit bureaus even to my email I should not be getting this nonsense -- so you should NOT be sending me anything offering anything extra email or regular mail. I have a card with you. That is it, if there is nothing that needs to be sent in regards to that card, do not send me this misleading GARBAGE anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I purchase a use XXXX XXXX XXXX  in XX/XX/XXXX, 4 months later the car was in a accident. I had insurance but it it issue a little late but was active and when the insurance company found out about the auto accident they didn't honor my payment, So i contacted my lender and told them my situation. I did have gap insurance. The lender sent their insurance appraiser to appraise the damage. The car was total with all air bags deploy and unrepairable damage. But their appraiser came back and said we miss the coverage of the gap coverage by {$100.00} dollar and they wont cover cause the damages was more then the car value by XXXX dollars.. So i stop making payments on a car that i could not drive. i ask them to pick the car up then to sell it and i owe the balance. They stated that they didn't want the car. So after the first few month of non payment they stop reporting it on my credit report .. Fast forward 3 & 1/2 yr later they stared reporting miss payments and adding charges.. I do not understand why this car was not charge off. I'm thinking they got paid for the car already with there gap insurance and still trying to collect them selves. this account is 5 & 1/2 years old and they still reporting late payments on my credit report and i never receive statements balance or nothing, how can they do this?

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 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
First off, I tried to close my XXXX XXXX Account because of the terrible service and screwy billing, I also could NEVER access my account online due to a software issue on their end, so I could never use my bill pay directly to them. Well, after months of this XXXX I just called to close my account, The customer service agent I spoke to gave me a payoff amount to close the account, I asked if this was all inclusive amount? ( fee 's, interest, balance, everything ) I was assured it was. So I paid the amount and was glad to be rid of this XXXX credit card ... .little did I know that this was just the beginning, two weeks I get an email telling me the I still owed {$37.00}?! I contacted the customer service dept. and was told that a late fee was added onto the account, I told them I had spoken to the service rep and received a TOTAL PAYOFF amount so what was this XXXX? " Well Sir, the payoff was made two days after our billing cycle so this amount was added two weeks later '' and because I closed the account they would not remove the late fee even though they reviewed the phone call to the service rep and agreed that I was " misinformed '' by the rep. " However Sir, there is nothing we can do to remove this fee ''. Because I closed this account this was their last chance to rip me off one last time. So what? I hire a law firm for {$38.00} bill due? or do I just tell everyone to NEVER GET A WOMEN WITHIN Credit Card. Even when youre right, this company will XXXX you over {$38.00} bucks just to pad their wallets. I would give them a minus Star if I could.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

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.

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 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Hello, you close a complaint # XXXX - XXXX Here my answer for the bank : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I received your letter that disrespect you are a lying bank. The denial of the secured credit card, according to his staff, " was part of a process they do, first they deny it and then they approve it '', that's what XXXX told me, after that excuse, XXXX said and write me : " it had been a mistake ''. 

I have everything in writing. Your answer for me is : " If you don't like it, close the account '' HSBC should be respect the users, you sold me a lie. You offer me : " if I opened the account they gave me the secured card '' The truth was you denied it, that's the point. 

I do not share your lying answer. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CFPB - How can they close a case when the bank lied and nothing happens about it? What is the protection from you?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
over a five month period I paid off four installment loans and two credit cards years in advance. Upon completing this goal, my credit score DROPPED significantly. The Credit Bureau said that was because I am now considered a 'thin file ' what they did NOT do is herald me for the herculean effort, dedication and commitment to paying off these loans ( you know the stuff we are supposed to be judged for ... ) these acts clearly demonstrate the credit reporting trinity does not measure the consumer on their honesty, integrity or performance, but rather on made up metrics that change to suit their interests and that of the credit companies who simply want to charge higher rates. This is a very disheartening unfair and uneven playing field. No one is holding this group accountable for their actions. It needs to stop.

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 2021-08-12 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: CORELOGIC INC
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Credco requesting a copy of any and all documentation with my signature/authorization for them to pull my credit as their business is listing on my credit report as an inquiry XX/XX/XXXX. On XXXX XXXX I received a response to please fax over my SSN for them to verify. I called a representative at Credco on XX/XX/XXXX by the name of XXXX who explained they would not be able to remove such inquiry and was not able to provide any documentation bearing my signature. I then informed her I would move forward & file a complaint for immediately removal

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 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying XXXX XXXX XXXX of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however XXXX is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. 

XXXX has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). 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 ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Had a lease car with GM. Paid all 27 months on time and never missed a payment. Returned car in XX/XX/XXXX and received 8 bills ranging from $ XXXX down to $ XXXX and some change from XXXX through XX/XX/XXXX. Finally in XX/XX/XXXX they said I owed {$10000.00} for excessive mileage. I do owe a few XXXX but not that amount. I told them that if this wasn't rectified, I will have to get an attorney involved. I was put on a no call list. Never heard from them either by phone, mail, text or email about my account. I had two people die in XX/XX/XXXX so I was dealing with estates, funerals, etc.. Finally received a bill in XXXX of this year. Called up the end of lease department and no one can help me. Sent them again the paper I received from dealership when I turned the car in with the mileage. The worst thing is that this is affecting my daughters and my credit score. They keeping marking the reports because we didn't pay. I need the markers removed from XX/XX/XXXX to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: NY

Complaint narrative:
The inquiries are still on my credit report .... This is fraud. I did not authorize the inquiry.

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 2021-08-13 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: National Credit Systems,Inc.
State: MS

Complaint narrative:
National credit systems is reporting an account that does not belong to me to credit bureaus. I never opened any account XX/XX/XXXX and although I have disputed the entry it remains on my credit report past due as of XX/XX/XXXX. I never opened an account with the original creditor shown on the credit file either. It appears fraudulent, discriminatory and deceptive practices are being used by this agency. I have not received my credit file from XXXX. I have attached a copy of the entry from my XXXX  report received today. The fraudulent entry appears on my XXXX  report with varying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
I have no knowledge of this account. Account established XX/XX/XXXX {$4200.00} XXXX bought by collection agency Cavalry SPV I, LLC, I placed a fraud alert on my credit XX/XX/XXXX. I was recently served a warrant for court with an address to a residence Ive never lived at nor do I know of anyone who lives at that address. I called a 3 credit bureaus to file a complaint/dispute. I filed a police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Sir or Madam : I have been a Chase customer for over two decades. I have several accounts, including a Business account, a premier checking account, a regular checking account, a mortgage, and am in custody of two other accounts ( as a power of attorney ), a checking and an investment account. The daily balances on these accounts are over {$20000.00}. 

Today when I wanted to long into online banking, I was blocked by several new agreements concerning online banking. In essence -- and with no option to opt out -- in order to access my account, I am obligated to agree to receiving only electronic communications on these accounts, to accept any fee that the bank deems appropriate or necessary if I wish to obtain paper statements, and waive my rights as a consumer when they make any mistake online and I miss it. 

I can not agree to these terms and conditions, but I am blocked out of accessing my account if I do not agree to. They provide an option to withdrawal consent by mail or phone, however, their terms also state that they have the right to deny this withdrawal and to charge additional fee for any account on which I withdraw consent for electronic-only communications. This is a form of extortion and they are holding access to my funds and account hostage, if I do not agree. 

When I opened my accounts it was never under these punitive agreements, and believe that these actions violate my original contract with this institution. I would like your help in bypassing these digital-only agreements, and any fees that they are charging punitively, for not agreeing to them. 

I would appreciate that you investigate these new policies and actions on behalf of myself and other consumers who never agreed to online-only communications and the bait-and-switch tactic that Chase is now trying to impose on its customers and the consumers of the US. 

As a taxpayer, I have bailed out these institutions over the years, and we deserve to be treated fairly and have in some small way to have our rights protected by the government. 

Thanks in advance for your assistance.

Company response to consumer: Closed with explanation