vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Kimball Tirey & St John for committing identity theft. I have never given Kimball Tirey & St John any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any type of documentation requesting validation from Kimball Tirey & St John before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Kimball Tirey & St John can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Kimball Tirey & St John can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Kimball Tirey & St John continues its collection efforts, I will file for litigation for actual damages caused and Kimball Tirey & St John will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: AUTOMOTIVE CREDIT CORPORATION
State: PA

Complaint narrative:
Automotive Credit on account numbers # XXXX, XXXX and XXXX have responded in sync with XXXX stating that they investigated my last CFPB complaint and found all reporting to be accurate. The findings were false and clearly not even accurately looked into. It seems to be that both companies simply just stated all was correct to advoid actually looking into and addressing the incorrect reporting. 

A simple example of this is attached here to with the photo of my Credit report showing the automotive credit tradeline. As you can see the status and balance were updated XXXX of XXXX, however when looking at the month of XXXX its stating that the payment was 60 days late.. how can some thing updated in XXXX say that the month of XXXX is 60 days late? In fact it was not late in fact none of the payments have been late. Furthermore we are in XXXX and they havent reported for XXXX, XXXX, XXXX or XXXX despite payments now being made for all months though XXXX, cause we are actually paid ahead and in no way late ever on these accounts. 

Automotive Credit and XXXX have been Falsely and fraudulently reporting incorrectly and causing me harm to my credit profile and borrowing ability cause of their total neglect for accuracy

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 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Radius Global Solutions has reported an account or XXXX XXXX  in the amount of {$870.00} on my credit report. This is false information this is not an amount that I owe. My final bill with XXXX was {$78.00} which was paid! I also returned all of their equipment. XXXX has asked me to ask Radius to sent the account back to them so that they can adjust the amount and Radius has refused to do so. This is very unethical and wrong. I need this corrected,

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 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I moved from XXXX  to XXXX  in XXXX, XXXX. I closed my account with XXXX on XX/XX/XXXX and paid my final balance in XX/XX/XXXX. 
I, in XXXX just had a company, without ever contacting me or providing me the opportunity to dispute this or get verification of this, added this to my credit and refused to provide proof that I in fact owe this. 

XXXX alleges that this is an accurate bill even when they wont provide me the information It has been almost 7 years since I shut down this service and there would be no reason for me to have continued to keep proof I paid 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 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I, XXXX XXXX, a Natural Person, Cardholder, rights have been violated by Capital One Bank USA NA, my credit limits was decreased without my consent and authorization. As a federally protected consumer, my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
During the pandemic, Wells Fargo marketed to me that I could take a forbearance, which I did. They also made it seem that the 3 months of payments missed would be added to the end of my 30 year mortgage. This did not happen. They held my account in a " Forebearance '' status for last 20 months. I paid the 3 months missed during forbearance today, XX/XX/2022. 
It is impossible to speak with anyone other than an entry level phone operator who knows nothing. I played the game of on-and-on for the last 20 months simply trying to get the bottom of this. 
I never missed any of my payments, immediately resuming my normal payment schedule of paying every 2 weeks.

I also wanted my mother, XXXX XXXX, taken off the loan as a co-signer. That was part of the last 20 months of being run around. 
Wells Fargo is horrible with keeping in contact and being truthful and forthright.

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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Credit inquiries that I didnt apply from Bank of America XXXX This inquiry was did on XX/XX/2022. I havent applied for any new credit

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 2022-05-04 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 have a car loan that is reporting on my credit report. I never received a letter stating how much it was sold for or current balance. They are still reporting incorrect balance because I never did receive that information. I have tried to reach out them but they have not responded or keep trying to verify incorrect information. I want it removed from credit report. 

It is a car loan reporting for XXXX XXXX that was a charge off. This information is not correct and noone will respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I run a small business and I spend roughly $ XXXX $ XXXX per month with American Express . 

Our credit limit is nowhere near where it needs to be to operate efficiently. Every month I have vendors break up our bills and run portions, which are immediately paid off by me, and then have them run the remainders, until our full invoice is paid off. This happens several times every single month. Our vendors are irritated with us as a result. 

Today I spent XXXX hours on the phone with American Express ( again ), trying to increase our credit limit to be somewhere where we can actually operate effectively, all the while being passed along to various " customer service reps '' who tell me that someone else in another department can help me. Finally, I speak to someone whose able to submit an underwriting request to increase our credit limit, and she tells me I need to connect my bank account as part of the credit review process. I explain that we have multiple bank accounts since we use different accounts for different functions. She said this wasn't a problem and to connect them all for the review process. However, I was able to only connect one via American Express ' online portal. I tried to call them back and explain that their online platform couldn't connect with our other bank accounts but while I was on hold my application was declined. 

So now I'm on the phone with them trying to get our application for a limit increase re-opened so I can give them the bank account information that THEY had requested in the first place and they're telling me there's nothing they can do since the application was already rejected and unfortunately that's their " process ''. They did all manage to tell me that they " completely understood '' while suggesting that I should call them back in 3 business days to try again - because that's what everyone has lots of, dozens of spare hours a week to spend with these idiots. 

I have never been late paying a bill. I have a total balance of over $ XXXX in my bank accounts. Annually, I charge about XXXX XXXX XXXXXXXX dollars through American Express, not that it seems like they're particularly interested in that. 

Choosing to go with American Express for our needs was a mistake. They are not business-friendly whatsoever. I hope anyone considering them will reconsider after reading this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
We purchased a home with three separate parcels of land. All taxes were to be escrowed. I sent them Chase bank copies of delinquent tax notices on 2 of the three parcels of land. They were about to foreclose on XXXX of the XXXX acres financed with my home. Chase never got back to me after I sent them the delinquent tax notices. They did say there was a shortage in my escrow account, raised the payment but never paid the first tax since 2020 when we purchased the land. I inquired late fees, penalties, etc all because of Chase Bank. I paid the delinquent taxes {$1200.00} and refinanced the loan, I am no longer with Chase Bank. Please investigate into my loan because something is not correct and it has been that way since we first signed papers. I will never use Chase Bank again. They were literally about to let me loose my land that I had been paying on for 2 1/2 years with out missing any payments, I always paid extra on the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-04 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a letter in the mail from Bank of America in XXXX, AZ XXXX stating that I attempted to open and account in XXXX, AZ and I was unable to get my funds transferred. I live in XXXX, TX and was unaware of this type of activity. This activity was conducted XX/XX/2022. On the letter it tells me to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ( XXXX ) XXXX. I contacted a representative from this number XX/XX/2022 at approx. XXXX. The representative stated that they are a consumer report and handle reports of fraud. I informed the representative that I did not attempt to open up an account with Bank of America. The representative informed me that I can give her my information for contact the credit bureau. At the bottom of this letter is the bank information. 
Bank XXXXenter Name : XXXX XXXX Name : Sales Fulfillment Associates Phone Number : XXXX I contacted this number and a representative answered and stated that she was a rep for Bank of America. I informed her that I did not open up an account with Bank of America in XXXX, AZ. She claimed that they notice it was fraud and stopped the transaction from occurring. She then gave me a number to call to report fraud XXXX ( XXXX ) XXXX. She stated this was XXXX and I need to report this to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
In XX/XX/XXXX, a blip occurred in my credit rating. It dropped from above XXXX to below XXXX. An XXXX XXXX XXXX XXXX charge - something was ordered and was delivered to a XXXX  address. This was NOT mine - someone had access to my social or credit card? I am not sure... This {$930.00} was not mine... It is not mine... 
I used a " free dark web '' service to see that leaks may have happened .. that check was XXXX XXXX... that is where I found the address in XXXX XXXX Montana XXXX I live XXXX miles away in XXXX XXXX Montana XXXX. 

Item removed XX/XX/XXXX ... after I filed a dispute, filled out paperwork, made phone calls.. 
" XXXX XXXX XXXXXXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. '' Current collection below - I have filed multiple disputes to try to remove this! 
" XXXX XXXX Account XXXX '' Help- I don't know what to do. 

Here is copied information from Experian. 
" Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$930.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$930.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$930.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX XXXX  Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' This XXXX XXXX  charge is NOT MINE. I did NOT do this or authorize anything. Help please.

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