vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
1. Received " mail forwarded '' letter from XXXX XXXX XXXX, Magistrate, XXXX XXXX PaXXXX 
Letter was hearing notice for XX/XX/2019 at XXXX XXXX : XXXX XXXX of Portfolio Recovery in XXXX Pa XXXX versus XXXX XXXX. 
Portfolio Recovery wants to collect {$1700.00} from me, XXXX XXXX. 

2.  I called magistrate office to inform them that I have never had ANY business dealings with Portfolio and I Have a medical appointment that day. Magistrate said they would reschedule it. 

3. NEXT, I wrote and sent signature mail letter to Portfolio, XXXX Pa on XX/XX/2019 requesting much information to validate this debt. I never made agreement or signed anything with Portfolio in my life. 

4. Mail tracking showed they received the letter on XX/XX/2019 at XXXX XXXX. 

5. On XX/XX/2019, I received a letter from XXXX XXXX XXXX/Portfolio in XXXX Texas XXXX saying that my file was being placed on Hardship hold. I am to send " hardship documentation '' proving my hardship. They don't say what documentation they mean and they give no time limits or anything. 

The letter provides NOTHING about the validation that I am indebted to them that I asked for on XX/XX/2019. 

6. I received ANOTHER letter the same day, XX/XX/2019, stating that they have electronic file of original creditor. THEY VALIDATE NOTHING OF ANY CONTRACTS, BILLS I PAID, OR TRANSACTIONS BETWEEN PORTFOLIO AND XXXX XXXX. THAT IS BECAUSE I HAVE NEVER DONE ANY BUSINESS WITH THEM. 



THEY ALSO DO NOT STATE THAT XXXX XXXX HAS CHARGED OFF THIS DEBT AND PROBABLY FILED AS A TAX LOSS. 

7. I also do not know what " file is on hardship hold " means in regard to a new hearing for XXXX XXXX. I never received a notice letter because as I learned when I phoned the magistrate today, XX/XX/2019, they sent a notice to my previous address. 

8. I live on fixed income of Social Security XXXX which is exempt from garnishments or freezes. I am XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: FL

Complaint narrative:
I sent an initial letter to AFINI asking for debt validation. Attached is the information they have sent back, which frankly, is nothing. Furthermore, they have threatened to cease communication with me, as I am attempting to resolve the matter. 
USPS tracking for the first letter datedXX/XX/2019 : XXXX USPS tracking for the second letter dated XX/XX/19 : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I forgot to log out of my bank app. The XXXX XXXX, which is offered through my bank, opened while the phone was in my pocket. Unbeknown to me, {$400.00} of my money was transferred to an unknown person through the XXXX XXXX. I had previously used the app to transfer money so I had an active account. I did not authorized this transaction. When I found out what was happening, it was too late to cancel the transaction. I reached out to the person several times through the phone number on file but they did not answer, nor did they return my calls. I immediately file a claim with my bank as well.

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 2019-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix Financial Services has been harassing me with phone calls on debt that is not valid and debt that is past the statue of limitations in the State of Florida which is 5 years. They are reporting negative information on my credit report and attempting to make the debt seem like it just became delinquent which is making it appear like I am unable to pay my bills when my lenders review my credit. 

Phoenix Financial Services is violating [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Phoenix Financial Services started reporting negative information to my account at the three credit bureaus. I have submitted a debt validation letter via certified mail and phoenix financial has not responded. I have disputed this invalid debt that is past its statue of limitations by these debt scavengers and they refuse to delete the negative information from the credit bureaus. Phoenix Financial Services has cause my Credit Score to drop my XXXX points and I will take legal action if this invalid and zombie debt is not deleted from all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
OnXX/XX/XXXX I took out a personal loan with Wells Fargo with terms of 60 months ( 5 yrs ), monthly payments {$240.00}, due on or about the 17th through 19th of each month. I paid each month by the required date, and in XXXX, XXXX, I paid the remaining balance of {$2300.00}. To date, since XXXX, XXXX, Wells Fargo still has it reported to all three credit agencies that I have paid on time, is up-to-date, but has only paid 77 % of this loan. On the credit reports, it shows paid each month, with a last payment of XX/XX/XXXX, but that the account is still active. I do not owe Wells Fargo any money on this account. The account was closed upon me paying it off on XX/XX/XXXX. I have notified the bank several times to report this to the credit agencies, but to date, Wells Fargo has not submitted this information.

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 2019-09-03 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: MN

Complaint narrative:
I do not agree that the said amount of debt is owed by myself, to XXXX XXXX XXXX XXXX. I have not received any documentation of how this amount was generated, from XXXX XXXX XXXX XXXX. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, we are all in full agreement that there is no debt owed by 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 2019-09-03 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: MN

Complaint narrative:
I do not agree that the said amount of debt is owed by myself, to XXXX XXXX XXXX XXXX. I have not received any documentation of how this amount was generated, from XXXX XXXX XXXX XXXX. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, we are all in full agreement that there is no debt owed by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am XXXX and I am not able to leave the house as often as I would like. I have been with U.S. Bank since 2007. On or about XX/XX/XXXX I made a mobile deposit on behalf of my minor son. I initiated the deposit via phone app from his account access screen and some how the deposit ended up in my checking account. The first {$200.00} was made immediately. The next day I received notice saying there will be a 7 business day hold. I eventually ended up with a notice saying Im blocked from online banking. I called and the fraud department told me the Branch Mgr placed the hold and the block on my account. I called the Branch Mgr after the 8th business day and she told me Im permanently blocked and could not explain why. 

I have not did any fraudulent activity with my account. My son has made several in person deposits into his savings with the same type of paycheck. 

I was accessed overdraft fees and being blocked from online banking and mobile deposits is a total inconvenience

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 2019-09-03 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Debt reported on my credit report XXXX XXXX,2016 for {$2800.00}. I request all records pertaining to actual debt to prove debt belongs to me, including my signature on original account application. Date of first delinquency with original creditor that led to collection. Date they purchased the debt and right to collect. I request debt account removed from my credit report. I have yet to receive any of the above documents and account remains on my 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 explanation
Consumer complaint received 2019-09-03 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: GA

Complaint narrative:
On XX/XX/XXXX, I took out a personal loan with XXXX XXXX with terms of 60 months ( 5 yrs ), monthly payments {$240.00}, due on or about the XXXX through XXXX of each month. I paid each month by the required date, and in XXXX, XXXX, I paid the remaining balance of {$2300.00}. To date, since XXXX, XXXX, XXXX XXXX still has it reported to all three credit agencies that I have paid on time, is up-to-date, but has only paid 77 % of this loan. On the credit reports, it shows paid each month, with a last payment of XX/XX/XXXX, but that the account is still active. I do not owe XXXX XXXX any money on this account. The account was closed upon me paying it off on XX/XX/XXXX. I have notified the bank several times to report this to the credit agencies, but to date, XXXX XXXX has not submitted this information.

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 2019-09-03 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: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/19, I received my credit report form you. It included the following incorrect information : Conns Account # XXXX After requesting validation and correction to my credit report on both XX/XX/19 an XX/XX/2019, I received a letter from that creditor verifying that the information in which they are reporting to my credit report is inaccurate. Both instances this company has refused to correct their inaccurate information and it has caused me great hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Someone had access my Pentagon Federal Credit Union with my username and password, online. He/she also created account on XXXX XXXX XXXX in my name and used my address, and then login-ed into this account, transferred/moved money from my accounts from my Pentagon Federal Credit Union to XXXX XXXX XXXX 

After one of the managers at PenFed Credit Union, who was helping me to create new login and new accounts, when I found out about it on XX/XX/2018and went and report to PenFed Credit Union. 

One of the managers at PenFed Credit Union, accredited me with {$35000.00}. 
However, there are still missing 15.000.00 from my old accounts and my new new accounts. I had been see this manager and other managers almost every weekends, since then. Every times, I asked about this missing money, PenFed managers are saying that I needed to file the complain with XXXX Police because of 'Fraud '. The case number for this event is # XXXX 1. One {$5000.00} was transfer from my other credit card account XXXX, XXXX XXXX XXXX then this money were go through XXXXXX/XX/XXXX. I did spoke with managers at XXXX XXXX XXXX XXXX and they all said that I had to speak to Penfed CU. 
2. The other {$10000.00} were transferred from my olds PenFed accounts to XXXX XX/XX/XXXX Credit Card account had not been accounted for. They, PenFed fraud department, think their other manager, somehow missing/forget that. 

One of the manager told me after I file the complained with XXXX Police, they ( PenFed ) will give me this amount of money back to me, but until now, I have not get it back yet. I had been see this manager and other manager almost every weeks since then, and filled out a lot of papers Could some one, please help me to get my missing money back? 

Regards. 
XXXX Bank Name Pentagon Federal Credit Union

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 2019-09-03 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: MN

Complaint narrative:
I do not agree that the said amount of debt is owed by myself, to XXXX XXXX. I have not received any documentation of how this amount was generated, from XXXX XXXX XXXX XXXX. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, we are all in full agreement that there is no debt owed by 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 2019-09-03 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:
DISCOVER FINANCIAL IS NOT REMOVING THE FRAUD CREDIT CARD OPENED UNDER MY NAME. I HAVE SENT THEM A VALID POLICE REPORT AND THEY ARE NOT REMOVING THE FRAUD ACCOUNT OUT OF MY CREDIT BUREAU. I NEVER APPLIED FOR THIS CARD AND HAVE NO KNOWLEDGE OF IT. ALSO THERE IS A PO Box FRAUD ADDRESS ASSOCIATED WITH HTIS CAR THAT NEVER BELONGED TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 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: MN

Complaint narrative:
I do not agree that the said amount of debt is owed by myself, to XXXX XXXX. I have not received any documentation of how this amount was generated, from XXXX XXXX XXXX XXXX. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, we are all in full agreement that there is no debt owed by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: MN

Complaint narrative:
I do not agree that the said amount of debt is owed by myself, to XXXX XXXX. I have not received any documentation of how this amount was generated, from XXXX XXXX XXXX XXXX. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, we are all in full agreement that there is no debt owed by 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 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CAPITAL ONE Neiman Marcus THERE IS A Neiman Marcus STORE CARD OPENED UNDER MY NAME WHICH IS FRAUD ACCOUNT I NEVER APPLIED OR OPENED THIS ACCOUNT AND THEY WILL NOT REMOVE IT FROM MY CREDIT REPORT I HAVE SENT THEM MY POLICE REPORT FOR IDENTITY THEFT AND THEY ARE NOT REMOVING IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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