vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 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: CITIBANK, N.A.
State: IL

Complaint narrative:
i have a filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i havent received investigation results

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I have been disputing this account for some time now with FRANKLIN COLLECTIONS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name, XXXX, XXXX XXXX XXXX and I have been appointed and accepted being the executor both public and private for all the matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; The telephone number XXXX is associated with debt collector XXXX  XXXX  XXXX which has initiated contact with me, the consumer, via telephone communications received at my dwelling at XXXX XXXX  EST on the date of XX/XX/2021. This is a violation of 15 USC 1692c ( a ) ( 1 ) as it is never a convenient time for a debt collector to contact me. 

Also pursuant to 15 USC 1692c ( a ) they would need prior consent given to them from me to contact me, I have given no such permission orally, written, or otherwise communicated. This is a violation. 

15 USC 1692b ( 1 ) they did not call to confirm or correct address, nor did the representative identify herself. This is a violation. 

15 USC 1692b ( 3 ) I never requested to be contacted by XXXX XXXX XXXX. This is a violation. 

15USC 1692b ( 5 ) The representative used language that indicated the collection of a debt. This is a violation. 

15 USC 1692c ( a ) ( 3 ) can not contact me at my place of employment without consent from my employer. I am my own employer and my place of employment is my dwelling. I never gave my location or permission to contact me. This is a violation. 

15 USC 1692d ( 2 ) The representative used obscene and profane language in the telephone communication. Congress does not and can not define what obscene or profane language is to me, so most certainly no one else can constitute what is obscene or profane to me. This is a violation.

15 USC 1692e ( 11 ) The representative failed to disclose that it was an attempt to collect a debt. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I have been disputing this account for some time now with XXXX XXXX. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have an maintained an account with PayPal for 3 years. Today, I received a direct deposit from the IRS in the amount of {$9200.00}. Two minutes after the funds were available, PayPal placed a limitation on my account citing the unusually large deposit. I called their customer service team and asked them to correct their error. The representative informed me that he corrected the issue and within 3 business the limitations would be lifted and my funds would be available. Two hours later, I received an email stating my account was permanently locked and my funds were going to be held for at least 180 days and I had no recourse to reverse their final judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Wednesday XX/XX/2021 at roughly XXXX XXXX I got a Robo call and did not pick it up, I got another one immediately answered it and was told it was so and so ( I can't remember his name ) from Chase XXXX I said no it's showing as a Robo call. He said that was strange but to go into my caller and click on the info, when I did it showed as Chase and the number that is on the back of my debit/credit card. This man told that a woman named XXXX in XXXX had stolen my account information and set up an auto draft with XXXX XXXX. In order to stop the auto drafts was there an email address not currently tied to my Chase online banking accounts? I gave him an email that I rarely use and I started getting emails from XXXX XXXX backing up everything he was telling me. He told me that we needed to close my checking and savings accounts so that this person could no longer auto draft the funds and I would need to first XXXX transfer all the money in both accounts to my other email address. Once I did that I would be getting a 6 digit access code from XXXX XXXX. When I got that code I needed to confirm that number to him so they could verify my identity and ensure that my original account was untied to the XXXX XXXX auto draft. 

The second I gave him the code, the money in my accounts was gone and so was he. We had been disconnected once in the call prior, but he called me back in less than 10 seconds. I EVEN said, I swore this was a scam, but when he called back was assured. I never gave him any of my financial information, XXXX, XXXX, or anything like that. I had no clue that Chase didn't call you, and even more so that they wouldn't call from their customer service number. 

I reported the issue to Chase as fraud, but found out today, because I XXXX  myself the money, they are not reimbursing the funds. I also called XXXX XXXX as I thought they would like to know someone is using their company name to scam people out of money. They wanted nothing to do with the situation and offered me no assistance what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Nissan Motor Acceptance Corporation XXXX XXXX XXXX XXXX, TX XXXX account # XXXX In early XX/XX/XXXX a Nissan Motor Acceptance Corporation representative agreed by phone to allow a lump sum payment to be applied to multiple future monthly installments payment on my auto loan. The lump sum payment was a credit from cancellation of extended warranty service that I had not intended to purchase in the first place. I cancelled the extended warranty shortly after my vehicle purchase.

There were actually two of these payments applied to the principal of my auto loan ( account number above ). One for {$1200.00} on XX/XX/XXXX and another for {$1300.00} on XX/XX/XXXX. I requested that the Nissan representative have the second of these payments applied/posted to regular monthly installment payments for XX/XX/XXXX and XX/XX/XXXX and this was confirmed during that telephone phone call. 

Without any communication or notification from Nissan both of these payments/credits of XXXX and XXXX, were applied directly to the principal of the loan rather than what was agreed. Apparently, Nissan either does not have a policy or ability to do what was agreed or chose not to do it for my particular installment loan. I was given no notification, but found out when logging into the customer online portal. I immediately brought the account current as soon as I realized that these principal payments had been made rather than scheduled as installment payments. 

My account is showing a 30 day late with all three credit bureaus. I have tried to file disputes with XXXX, XXXX, and XXXX directly, since this his having an adverse effect on my credit and will prevent me from obtaining a mortgage. I have had numerus phone calls with Nissan Motor Acceptance Corporation to rectify this situation and it has not been resolved. I plan on consulting with an attorney and take whatever action is available to me if Nissan refuses to resolve this matter amicably and rectify their mistake/oversight. 

Please let me know if any further information is required for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I pulled my credit report and notice that " XXXX XXXX '' is reporting inaccurate late payments on my account. I tried reaching out to the creditor and no one was able to help me out. I'm asking that you please update these payments on my account as Paid on time. As it is harming me from opening new credit lines. Thanks in advance Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit bureaus ( XXXX and Transunion )

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 2021-09-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I pulled my credit report and notice that " XXXX XXXX '' is reporting inaccurate late payments on my account. I tried reaching out to the creditor and no one was able to help me out. I'm asking that you please update these payments on my account as Paid on time. As it is harming me from opening new credit lines. Thanks in advance Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit bureaus ( Experian and 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 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: MA

Complaint narrative:
AFNI sent a letter claiming that an XXXX account that I closed over two years ago still owed {$130.00}. I called and explained that a couple of months after I closed said account in XX/XX/2019 I received a bill from XXXX for about {$470.00} ( XX/XX/2019, see enclosed print screen ), which I paid in full and have not heard back from them since. I am using the same number as I had when I was an XXXX client and they have never reached out to me until now, this so called AFNI. 

I asked for evidence and the person taking the call didn't have any. This has to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Upon checking my credit report I found that there are fraudulent inquiries on my report I reach out equifax to fix the problem but they did not investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 71 days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Was in trial payments for a modification/ Special Forbearance trial payments of {$1700.00} which all for that amount were met. XX/XX/XXXX received a letter to finalize Modification with the new amount effective XX/XX/2021 but the amounts had changed to Principal and interest {$1400.00} Estimated Escrow {$520.00} Total {$1900.00} we had loan docs notarized and returned on Saturday XX/XX/XXXX at Navy Federal Credit Union called to confirm they were received and attempt to make payments for the difference since I saw it on the new ppwk but Navy Federal said to wait since it was going thru the Modification process and to hold off on making payments. Once The modification was processed it reported me 30 days late since the loan processor was also behind on processing the modification so when adjustment was made it made my unirla trial payments look like I never made it since the new loan docs dated XX/XX/XXXX changed the total amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern, on XX/XX/XXXX, I paid my Chase Amazon credit card balance in full, for an amount of {$1100.00}. On XX/XX/XXXX, I discovered Chase had charged me this amount TWICE. I know I was charged twice, as my checking account balance decreased another {$1100.00}, and the two transactions had two separate ID numbers. 

I called Chase immediately on XX/XX/XXXX to tell them their system had charged me twice, and to refund the extra {$1100.00} they had charged. The response was it would be refunded " soon ''. However, I have called every single day since then, and Chase has not taken a single step to return this money. The representatives just keep saying : " soon '', " soon '', " soon ''. 

Taking 30-40 minutes out of my day to navigate their automated system, and explain my situation each time, has been a tremendous inconvenience. 

Likewise, {$1100.00} is a significant amount of money ; to have this taken from my account " in error '', and held on to for a week is a terrifying experience for someone may have been reserving that money for rent or a car payment. The fact that they can uproot someone's life like this, and take no action to remedy the situation, is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29 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: OH

Complaint narrative:
To whom this may concern I am filing a complaint on these items that are incorrect and I also have a few hard inquiries that I did not authorize. I've been disputing with TransUnion since XX/XX/XXXX. They did not remove the hard inquiry. Also, they did not update or removed the chargeoff that is inaccurate on my credit report. 

I did not authorize XXXX XXXX XX/XX/XXXX I did not authorize XXXX XXXX XX/XX/XXXX The XXXX- Account XXXX XXXX is reporting inaccurate on my credit report the date opened is not XX/XX/XXXX and the date of last activity was not XX/XX/XXXX so therefore I want this deleted from my credit report for not having the correct information reporting. 

I feel as they did not follow the FCRA laws and did not do a complete investigation on these accounts. All I want is to be treated fairly and get these accounts off 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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This company ( Credence ) has continually harrassed me by calling my phone number daily ( M-F ) sometimes twice daily. I finally asked them to take my number off the list because I am not the person they are trying to reach. I only received this number because I changed my original phone number. Therefore I am certain they are searching for the person who previously held it. 

As of now they continue to harrass me. They have even resorted to changing area code from which they are calling. 

They have called on : XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX pm XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX : XXXX XXXX  XX/XX/XXXX from XXXX at XXXX : XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX : XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Have a XXXX card that Wells Fargo funds. I have claimed chapter XXXX bankruptcy now it is final. they were notified from the court that the account was discharged. and they call everyday. XXXX isn't that harrassment?

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 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Have a XXXX card that Wells Fargo funds. I have claimed chapter XXXX XXXX now it is final. they were notified from the court that the account was discharged. and they call everyday. XXXX isn't that harrassment?

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 2021-09-29 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
MIDLAND CREDIT MANAGEMENT IS ILLEGALLY DOUBLE REPORTING THIS DEBT THAT THEY SAY I OWE FROM XXXX XXXX WHICH IS ALSO SHOWING ON MY FILE AS A CHARGE OFF. IT IS ILLEGAL TO DOUBLE REPORT SOMETHING. I WOULD LIKE A VALIDATION OF THIS IN WRITING ALSO

Company response to consumer: Closed with explanation