vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 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: MA

Complaint narrative:
There are items listed on my report that do not belong to me and I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. XXXX XXXX : # XXXX, XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have advised Equifax several times of XXXX XXXX XXXX inaccurate reporting and they have done nothing about it but continue to report inaccurate and missing information. Credit Limit is missing XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
ALLY FINANCIAL, XXXX on XX/XX/2019. 
XXXX XXXX XXXX, Inquired on XX/XX/2019. 
XXXX XXXX XXXX XXXX, Inquired on XX/XX/2019.

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 2021-03-26 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: CREDIT CONCEPTS, INC.
State: WA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
CREDIT CONCEPTS INC - Inquiry : XX/XX/XXXX CERTIFIED CREDIT RPDT, - Inquiry : XX/XX/XXXX XXXX XXXX - Inquiry : XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: FL

Complaint narrative:
Midland credit manaagment has no signed contract binding me to a XXXX and XXXX balance. XX/XX/2020 I do not enter into No agreement with midland credit management. They bought debt from XXXX for XXXX and XXXX from XXXX XXXX XXXX and have no co tract between myself and them. They are fraudulent placing collection and dates I never signed any binding contract with this company I want both account removed off my credit file if they do not have a contract that I have signed with them. They are in violation of my rights and due to Covid they are placing incorrect collections accounts to ruin my credit further. If they can not provide a contract signed between my self and their company I want both accounts removed from all 3 bureaus ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, - Inquiry : XXXX XXXX, XXXX CITIBANK XXXX - Inquiry : 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 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
In the summer of 2019, Discover Card put balance on my account of {$10000.00}. 
There is no origin or where it came from, I have contact them 30 times, spending sometimes 2 hours on the phone with a manager. Even though they tell me they will investigate and call back, no one does. I have written letters, requested they provide me written documentation on the origin of the balance that appeared on my account but crickets. No one has ever responded. The only thing I know is they call it a ghost balance. It doesnt appear on my statements. All my payments since then only are applied to the GHOST balance so my balance of {$11000.00} keeps growing because all my payments of {$400.00} are never applied to my real balance. I requested a ledger of the payments, I keep requesting an explanation, documentation and terms but I don't get any information. I keep asking for the origin of the money and how it landed on my account. I have paid {$400.00} to {$600.00} payments for 20 months and it is going towards a mysterious balance they won't tell me how it appeared on my account. If you call discover, all the people say they have heard about a ghost balance but there is no information they can resource or explain, it is a white elephant. 

I have a credit score of XXXX, my credit score is at the forefront of my mind. I pay my bills. 
I have never been involved in a lawsuit. No one has ever sued me. I don't have any pending litigation or nefarious dealings. I don't have credit debtors after me to collect money. There is nothing that this would stem from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX Inquiry : XX/XX/2019. 
XXXX XXXX XXXX, Inquiry : XX/XX/2019. 
WELLS FARGO DEALER S, Inquiry : XX/XX/2019.

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 2021-03-26 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: Westlake Services, LLC
State: WA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX, Inquiry : XX/XX/2019.

WESTLAKE SERVICE INC, Inquiry : XX/XX/2019. 
XXXX XXXX XXXX XXXX, Inquiry : XX/XX/2019.

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 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
JP Morgan Chase Bank XXXX XXXX Visa refused to work with my startup business to handle our credit card debt. We experienced hardship due to slowed sales just prior to the pandemic, and virtually no sales during the past twelve months. We attempted to negotiate while the account was still active but they refused. Once they closed the account, they set up a monthly automatic bank withdrawal payment we told them we could not afford. As we struggled over the next several months to make funds available to prevent overdraft charges on our business bank account, the pandemic hit and our income immediately stopped. Due to the seasonal nature of our main product, our marketing plan for 2020 revenues was completely nullified by the pandemic. Because we could not make our recurring payments, our bank closed our XXXX XXXX Account. We have been harassed daily by calls from Chase, and are now being called multiple times a day, both at home and on our business phone, by a collection agency we could not identify until we received the letter uploaded below. We now owe roughly the same amount we did when the account was closed - effectively making the several thousand dollars Chase debited our checking account in XXXX and XXXX useless in satisfying the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are items listed on my report that do not belong to me and I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. XXXX XXXX : # XXXX, XXXX, XXXX # XXXX, XXXX XXXX # XXXX, 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 2021-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: HI

Complaint narrative:
We mailed a check in the amount of {$24000.00} to pay off and close an open auto loan account # XXXX on XX/XX/2021. Attached are the supporting documents and the proof of payment. The check was received by Mercedes Benz Financial on XX/XX/2021. Mercedes Benz Financial processed this check and credited another closed loan account causing an overpayment on the wrong closed loan account. Mercedes Benz Financial continued to charge me interest on the open loan account and also took an additional payment from me. I called Mercedes Benz Financial on XX/XX/2021 to notify them that they had made this payment to a wrong loan account. Mercedes Benz Financial confirmed that this error would be corrected in 3 to 5 business days. It is now XX/XX/2021 and the wrong payment still has not been corrected. The closed loan has an overpayment of {$24000.00} while the loan that should have been paid off and closed is continuing to charge me interest and payments are still due on the loan that should have been paid off and closed. I tried my best to resolve this directly with Mercedes Benz Financial and they have been unwilling to correct their error and still have not paid off and closed the open loan. The closed loan is sitting there with an overpayment of {$24000.00} while my open loan that was supposed to be paid off and closed is continuing to charge me interest while also taking payments from me. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: UT

Complaint narrative:
The credit bureaus are reporting a very old Bankruptcy on my credit file and it must be removed. I recently checked my credit and noticed that this bankruptcy was still reporting and this was discharged over 10 years ago. I had sent a previous round of disputes to the bureaus, specifying that it was past the credit reporting limit but it continues to report on my credit. This must be removed.

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 2021-03-26 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: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX  XXXX  # XXXX, AMSHERCOLLECTIONSERVICES # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021, I received a direct deposit that I was expecting from a customer named XXXX XXXX from Fifth Third Bank to my XXXX XXXX checking account. The amount deposited by XXXX XXXX was XXXX -- the information regarding this direct deposit that appears on my XXXX XXXX accoun statement is : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX 

Approximately 10 days after the direct deposit was made, Fifth Third Bank recalled the direct deposit claiming is was a fradulent deposit. Someone had to fill out the paperwork for this direct deposit, and someone had to sign off on it to make sure the reciever 's bank acct. # and routing # were correct. THe fraud does not originate with me. 

After Fifth Third Bank notified XXXX XXXX, my account was frozen. At the time I had a little over XXXX of my money in the XXXX XXXX account. The money shows as available funds in my account but I can not access it. XXXX XXXX can not help me because the information they have on the sender is confidential. They suggested I call Fifth Third Bank and explain the issue to them. I provided the infomation regarding the direct deposit listed above, but Fifth Third Bank can not provide me with any information because it is confidential, nor can they follow up on the status of the bank 's investigation of the account holder with the information I provided. 

This is literally all the money I have in the world. It came from an early withdrawal from my IRA. My XXXX XXXX XXXX daughter is in hospice care in the final stages of a terminal XXXX. A large portion of my money had been set aside for her funeral expenses. 
XXXX XXXX keeps extending the date they will close my acount because Fifth Third Bank has not ask for my money. The XXXX had already been used toward debt I have accured because I am not working so that I can care for my daughter in her final days or weeks. No one can provide me with a time table as to when this will be resolved. I am on the verge of bankruptcy. 

I did not commit any type of fraudulent act. If fraud has occured, it originates from Fifth Third Bank. They are rife with fradulent accounts that were set up by their banking associates. That should be their problem, but it has become mine. Can you help me? 

I have already left messages for the appropriate parties with the FDIC. 

My name is XXXX XXXX my account number with XXXX XXXX is XXXX. 
My phone number is XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: IN

Complaint narrative:
I'm from XXXX IN., me and my GF visited XXXX Tenn. while we were there we ate at a restaurant ( XXXX XXXX  ), there was a pay at the table kiosk where we paid for our meal but forgot to remove the card. I didn't realize until a couple of days later that I didn't have my card and that the kiosk was where we left it. The reason why I kinow it was left there that there was a charge that same evening at the XXXX XXXX we attended and the XXXX up the street. But the thieves also used the card in the surrounding area XXXX XXXX KY. I talked to the managers of the XXXX XXXX  and XXXX but was told a police report would help. I called my credit card company ( Chase ) and told them what happened and the representative said the fraudulent charges would be taken care of but when I received my statement the charges were there. I have told them that I file a police report, ect but now they are saying they are legitimate '' charges. There were charges to a liquor store ( I don't drink ) and one to a night club ( Ido n't attend them ). I called the XXXX police yesterday, and they talk like Chase has not contacted them. the incident happened XXXX and the amount of fraudulent purchases equal {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: NY

Complaint narrative:
I have already made a complaint against this company. The name is Receivables Performance Management. I made a complaint in regard to FDCPA violation on XX/XX/2021 ( complaint ID : XXXX ). On that day i also requested that the DO NOT call XXXX. They continually try to get me to disclose personal information to them but refuse to tell me who they are calling on behalf of. I will not disclose ANYTHING about myself until they disclose the creditor in which they care calling on behalf of, which they must do because i do not have any business with any companies by the name of Receivables Performance Management. They have continued to call my phone number multiple times after XX/XX/2021 when i requested them to stop. They called the following dates and times from different numbers : XX/XX/2021 - XXXX - time : XXXX XX/XX/2021 - XXXX - time : XXXX XX/XX/2021 - XXXX - time : XXXX Today i called the XXXX number and requested for a second time to stop calling my phone number and again the woman who answer tried to get me to disclose who i was but would not tell me who they were calling on behalf of. As per FDCPA i am entitled to know who the debt collectors are calling on behalf of before i disclose ANY information including identifying myself.

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 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AZ

Complaint narrative:
XXXX XXXX XXXX  filed with enhanced recovery collection opened on XXXX XXXX 2020 for {$510.00} with the address of XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX filed with XXXX XXXX  opened on XX/XX/2020 for {$1100.00} with the address of XXXX XXXX XXXX XXXX. apt XXXX XXXX las XXXX XXXX XXXX neither of these addresses or accounts are mine and are a result of fraud. i have never lived at either of these residents. I have disputed both of these claims with XXXX. I have also called and notified both companies. I have also filed a police report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent dispute out on XX/XX/XXXX. I have yet too receive a response. I also sent another letter on XX/XX/XXXX I didn't receive a response either. This is unfair. Doesn't make any sense to me how this could be possible or fair.

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