vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
I am requesting proof that I am indeed the party that the FED LOAN SERV are seeking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Credit Reporting Act ( FCRA ) Sec. 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ]. VALDIATION by definition in law means To assess an action to determine if it is delivering the right outcome. The FED LOAN SERV is a corporation, meaning they can not do an assessment because they are not a Natural/Living person which an assessment can only be done by one who can be categorized as such. I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them. If their offices continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX, XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. I will not hesitate in bringing legal action against them for the following : Violation of the Fair Debt Collection Practices Act, Violation of the Fair Credit Reporting Act, Fraudulent accounting practices, Defamation of Character and emotional distress. Also be advised in order to be an original creditor personnel to Title 15 Chapter 41, you must be a NATURAL person with the ability to originate credit in order to be considered a creditor. ANY use of the term for any party other than that definition is a violation of FEDERAL law and they WILL be held accountable. As a FEDERALLY protected consumer and the only consumer in this matter I demand that they follow federal law when determining their response to the previous demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Bank closed my account after I received a deposit for loan. They said they wont release funds to me or send them back to lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN CUSTOMER SERVICE WOULD NOT TAKE CARE OF NEGATIVE INQUIRIES REPORTING ON MY CREDIT REPORT. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to OHIO XXXX nor XXXX XXXX XXXX to release my medical information to a third party. XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX I am aware that HIPPA does allow for limited information about me but anything more than to OHIO XXXX and XXXX XXXX XXXX  is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization . 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

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 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: UT

Complaint narrative:
Conns is reporting account # XXXX for {$2300.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this Conns to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with Conns and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided a Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address, indicating that the account is not my account. Conns advised that they've determined that I'm liable for the account and related charges on baseless facts. The suspect used a Texas address when they opened the account which caused this incorrect address to reflect on my credit report. The disputed address is also part of the FTC Affidavit report and police report. Conns investigation results are inaccurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXXXXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. AMERICAN EXPRESS Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filled 4 disputes with Experian to dispute the XXXX XXXX XXXX Collection agency for the past 2 years. 
I provide Copay receipts and the XXXX XXXX statement that shows I have a {$0.00} balance. Claim XXXX Date of Service XX/XX/XXXX was paid on XX/XX/XXXX Sent Electronically XXXX XXXX to Provider : XXXX, XXXX XXXX for {$2000.00}. Please see the XXXX XXXX attachment. 

Experian has responded with the same response " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I filled 2 disputes with XXXX about XXXX XXXX XXXX and received the same results as Experian. 

Listed below are the disputes. 

Experian Date Submitted : XXXXXXXX XXXX, XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX XXXX  Confirmation number : XXXX Submitted XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Both XXXX and Experian have the same account number as listed below. 

Account Number : XXXX Original creditor : XXXX XXXX XXXX {$300.00} Company : XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN 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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Covid 19 hit in XX/XX/XXXX forced me to buy things i dont normally buy or stock up, uaed Sears citi to payoff other cards due to their 0 % interest but covid 19, home damage thats costing me ect so on when thte XXXX hits ill not be able to make it tried to get them to lower their interest to 8 % for 7 years so i could pay it off THEY STRICTLY said cant do it and referred me to credit coulseling and when i applied for bankrupcy let them no. I tried to do right in heading this off before it ever got to a point i dont want to do but after 2 times trying they said no. As i can see it they think that as long as i can make the payments at 25.24 % they will leave it alone I think this is wrong when other credit cards understood and helped. Sears Citi Mastercard since XXXX .... will not help you..Hopeing you can

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 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
In XX/XX/2020, my debit card was stolen and I reported to Bank of America immediately after. I was informed by Bank of America that I had given the pin number to my debit card to someone, but this is false. I have never given my pin number to a friend, family member, stranger, etc. I asked to speak to the supervisor and to the general manager of the Bank of America branch where I conduct my banking and these requests were refused. Due to the theft I experienced, approximately {$12000.00} was stolen from my checking account. Bank of America refuses to reimburse me for the {$12000.00} that was stolen. I called the police as instructed by Bank of America and I provided the NCC number and these efforts were not successful as well. 

Due to the deplorable actions of Bank of America, I fell behind in my rent and was no longer able to afford my car. 

All supporting documents will be provided as requested. Many thanks for your assistance!

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 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have tried to contact National Credit Systems about a debt, and did not receive a response. They are unable to provide proof that I owe this debt. Yet, on the XXXX of every month, they are reporting that I owe {$6600.00}. Due to this reporting on my credit monthly, it is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
CHEXSYSTEMS IS REPORTING A FRAUD ACCOUNT FROM XXXX  XXXX XXXX THAT IS 5 YEARS OLD. ACCOUNT IS REPORTING INACCURATE INFORMATION. 

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: PA

Complaint narrative:
Last time I was not quite accurate. My wife, using my data, opened this account without my knowledge. I do not refuse to pay the debt. The only thing I want is for you to remove this account from my credit history after payment.You must understand I can't go to police and make police report or identity theft because my wife used my documents. I still want her be at home and not in prison.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MNE Services, Inc
State: CO

Complaint narrative:
I am receiving a call from a gentleman, that states he is a lawyer for a business under the name FAST CASH a payday loan service. He states that I have taken a loan out with them of {$600.00} on XXXX, that I have no remembrance of. There is no indication of such account on any of the three credit bureaus. He states that I now owe {$1300.00} and must pay or I will be sued. He seems to only know so much about the business he represents. Also sent me a email with an unprofessional letter head, under the email address XXXX. The business name on the letter head is XXXX XXXX XXXX XXXX, I can not find them with the XXXX or anywhere else. The address on the email traces back to a shopping center in which i called and has no firm in it. This man continuously calls my place of work. The company he claims to represent says they have no record of me.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX and XXXX dollars were taken out of my bank account. It was through XXXX that was linked through my Bank of America card. I did not spend this money on some women 's yoga pants brand store. The name of the store is XXXX. The next day I gave Bank of America a call and submitted a claim. The claim was overturned, so I gave them another call asking for a reconsideration. The reconsideration was overturned again on XX/XX/XXXX. On that day, I gave Bank of America a call, and I asked for the documents that were used to make the decision so that I can use the documents to prove that I did not use the money. The lady I spoke to said the documents were mailed to my address and that I would have it in a week. A week later, I received the documents. When I opened the letter, I was surprised to see that it was nothing different than what I received through my email. I didn't see any specification or documents that were used to make the decision to overturn my claim. It just said unfortunately, we're unable to approve your recent claim. That day I gave Bank of America another call. The person I talked to then said that if I visit any Bank of America in person and ask them to give the fraud services a call, they can email the documents to that bank and the bank would print the documents to give it to me. Today, I visited the Bank of America near my house, and asked them to give the fraud services a call for my documents. The lady I talked to said that they don't do stuff like that there, and that she can't give them a call for me. Every time I call Bank of America, I feel like they are just making random excuses. One guy said something about my IP address being the same as the person who used my money, and one lady said something about how the package was delivered to my house. I don't understand what is going on.

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 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
During my time with XXXX my bill was normal in the beginning and it steadily started to increase. By XXXX of 2020 my bill was approximately {$820.00} with {$170.00} in unauthorized data boost charges. By XXXX the bill total was {$630.00} with an additional {$380.00} in, again, unauthorized data boost. XXXX bill was {$1000.00} with {$350.00} in data boost. XXXX bill was {$1100.00} with {$330.00} in data boost. XXXX bill was {$1500.00} with {$350.00} in data boost. XXXX bill was {$1100.00} with {$800.00} in data boost. XXXX had a bill total of {$1900.00} with {$380.00}. XXXX bill was {$1800.00} with no data boost and that is when I closed my XXXX account. Now, the final amount has risen to {$2400.00}. These data boost make up more than half of the amount owed. These data boost were unauthorized charges on my account and I received no documentation about these until they appeared on my bill every month. I called XXXX multiple times a month about these data boost charges and not once were they able to help me or even remotely fix the issue. I have copies of my bills as needed and every email I received from XXXX. XXXX carelessly took large amounts of money from me and are now trying to take even more.

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 2021-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP
State: AZ

Complaint narrative:
REPEATED calls at all times of the day, multiple times a day. This company has been told REPEATEDLY that the person they are asking for IS NOT HERE. They have also been told REPEATEDLY that this is a business, and that I am tired of their repeated phone calls. I am tired of their phone calls and I am tired of being ignored when I ask them to stop. They are some kind of XXXX XXXX collection agency and they ignore everything I tell them. Next phone call I receive from these lowlifes, I am blowing my referee whistle into the phone.

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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm requesting that XXXX XXXX  XXXX remove the 30 day & 60 day and 90 day late payments for XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX from my credit reports on XXXX, Equifax, XXXX  and any other reporting agencies. XXXX and XX/XX/XXXX mortgages payments are in Deferment. XX/XX/XXXX mortgage payment was made on time as reported on my XXXX credit report. 
From XX/XX/XXXX my XXXX XXXX  XXXX  XXXX  was hit hard by XXXX XXXX. My clients are restaurants and bars. They too were devastated by Covid 19 because they were forced to close. My revenue plummeted. By the end of XX/XX/XXXX I exhausted all of my savings. 
I requested a Forbearance for the XXXX and XXXX payments because of the negative effects of the virus and was approved on XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX  XXXX posted a 30 day & 60 day late payments on my credit reports. On XX/XX/XXXX i wrote XXXX and requested the late payments be removed due to the negative effects of Covid 19. XXXX denied my request, stating that I didn't say specifically " XXXX XXXX " was the reason for my request for Forbearance and that I had a prior late payment. 
The 2 late payments are negatively affecting my ability to acquire new contracts and credit which will grow my business revenue. On XX/XX/XXXX XXXX  XXXX  Servicing added a late payment for XX/XX/XXXX on my Equifax credit report, My Equifax is now reporting a 90 day late. This is an error, i made the XX/XX/XXXX payment on time. 
I'm determined to make my mortgage payments. I made 9 consecutive payments starting XX/XX/XXXX. It wasn't easy. I had to beg and borrow money from friends and family. I took out high interest rate payday loans and took on odd jobs to ensure that I made the mortgage payments. Due to the late payments I am no longer able to borrow money to help me pay the mortgage. I'm at the end of my rope. I'm trying my very best to avoid Bankruptcy. 
I ask that XXXX take in consideration the 9 consecutive mortgage payments and remove the 30 day & 60 day and 90 day lates from all of the reporting agencies. This will allow me to obtain new contracts and credit. My revenue will increase and I will be able to Honor My Commitment With XXXX  XXXX XXXX. Thank You For Your Consideration And Your Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
On around XX/XX/2020 California Business Bureau tried to collect a debt from me that was already taken care of by my employer for Workers Compensation. I tried to dispute this on several occasions but all communication on the phone has stopped and collections letters continue and now show as a negative report on my XXXX  credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation