vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 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: NV

Complaint narrative:
Fifth request : On several occasions, the last being XX/XX/2021, sent via certified mail, I submitted disputes to Experian, regarding fraudulent account XXXX XXXX XXXX  reflecting on my credit report. On my XX/XX/2021 letter, I asked again, for Experian to provide me with all methods used to verify/validate ownership of this fraudulent account. They did not do so again, which is a violation of my rights. Experian also continues to actively report on this charged off account, which is also a violation of my rights. This is formal notice that I want mailed to me ALL documentation of the methods Experian used to verify the accuracy of this fraudulent XXXX XXXX XXXX account, within 15 days, as they have failed on several occasions to do as requested. This unverified item remains on my credit report in violation of Federal Law. I am prepared to take legal action. Experian is required to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Experian must properly validate these things as the furnisher of my credit report. Experian has not provided me a copy of ANY original documentation required. Because of this, Experian ) is required to " promptly DELETE all information which can not be verified. '' Secondly, I want to know why Experian is actively reporting monthly on this fraudulent charged off account?? The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance. '' I demand that the XXXX XXXX XXXX  account be accurately verified or deleted immediately.

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 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
As of today, XXXX  and Equifax are still reporting an fraudulent account and inquiries on my credit report, regardless of the fact that I sent in a police report, FTC REPORT as well as all supporting document to support my identity. Equifax has been giving me the run around stating that I need to supply multiple ftc reports with on " 5 '' items on each. much to my dismay, I did exactly as they asked and they are still reporting this fraudulent information. XXXX  keeps doing investigations and verifying this item as accurate. These companies are taking advantage of consumer by reporting this negative information during the worst time ever. I have included documents to support my complaint below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management
State: MI

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management
State: MI

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021, I made a mobile deposit with a Company Check number XXXX to a personal Checking account for {$1500.00} within Wells Fargo Accounts. The check was withdrawn from the business account on XX/XX/XXXX but was never credited to the personal checking account. 
I sent several emails asking for help or a solution to this problem, I called them several times and spent hours with different customer service representatives. I had an appointment at the bank with a banker but no answer to this mobile bank app mistake has been given to me, and the money ; today has marked 20 days and it still has not even been temporarily credited to my account having proved that the evidence is showing that the mistake is on their side. 
Today I received an email from a Bank Manager in the Complaint Department telling me that the case was closed without any explanation, and again, without crediting my account with the {$1500.00} and knowing that the Wells Fargo Bank took the money on the XXXX of XXXX. That's when I decided to ask for help in recovering our money from the Wells Fargo bank.

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 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
The Barclay 's XXXX XXXX XXXX XXXX  XXXX by Barclays in Partnership with XXXX XXXX has a fixed policy that charges a $ 199 yearly card fee where they never allow consumers to downgrade their card to a lesser fee card in order to charge consumers exorbitant rates on yearly fees. Over a 5 year period there has never been a 30-day period where I have been offered an opportunity to downgrade my card to a lessor fee when I have called in consistently, thereby holding me hostage to a higher fee card or suffering a credit hit by closing the line of credit completely. This fixed policy as implemented by Barclay 's negatively impacts consumers.

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 2021-03-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2021 I mailed a letter concerning unknown and inaccurate information on my credit report to this day over 30 days the bureaus have not responded to my request. My life feel crippled and all my disputes are being ignored. Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason too immediately remove those items from my credit report it has been over 30 days so they should deleted at once. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and my have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

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 2021-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB
State: VA

Complaint narrative:
I already complained ( XXXX ) for my new vehicle loan from statefarm bank. But they are not correct my credit history yet. And ask me returned check copies to review But I paid I electronic bill pay at XXXX XXXX XXXX ( confirmation no. XXXX ) I attached it before, but I guess they haven't seen it ( below is last time complaints ) I bought a car and financed it XX/XX/XXXX. - statefarm bank ( account no XXXX XXXX ) While paying the loan every month, I got a call from the bank saying that it was not paying for XXXX. ( XX/XX/XXXX ) The next day I made a deposit and reviewed my bank account. ( XXXX ) I found that the XXXX payment was returned in XXXX. ( XXXX ) I don't know why it was returned However, they first informed the credit agency that the payment was late and notified me in XXXX ( AFTER 5 months!!! ) of the following year instead of XXXX, causing a huge damage to the credit. They called me and said they left me a voicemail, but my voicemail is not set up. It is also the first time on the phone on XX/XX/XXXX. they just keep lying This XXXX three months ' payment has been processed at once, but it doesn't seem normal and I'm worried that this will happen again. The customer service is terrible. I'm going to change the bank soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: CA

Complaint narrative:
I have two accounts on my credit reporting that are fraudulent ; 1. XXXX XXXX : I have no knowledge of the account. 

2. Macy 's American Express : Card was stolen and reported to Macy 's AmEx and it was never resolved of the fraudulent charges. 
On XX/XX/2020 called to report the card was lost/stolen ( reference # XXXX ) Follow up on XX/XX/2020 and completed forms for fraud charges. Emailed to XXXX . Followed up again on XXXX XXXX with Fraud Dept.

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 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed 8 times with EQUIFAX for the last 6 months that the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX listed on their credit report is not my formal address and they do not correct that, they have removed it once but by the next month it was listed again, because of that I received collection bill related to that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: PA

Complaint narrative:
I called debt collector General Avenue to verify the debt because I was only sent the list of payments but not the verification of my signature. It was reported to my credit report and I would like it removed and for them to perform a proper debt validation under the Fair Debt Collection Practices also prove they have a legal right to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Tesla, Inc.
State: NJ

Complaint narrative:
XXXX  credit report is showing a 24-month installment loan ( lease ) from TESLA for an account opened on XX/XX/XXXX that I never applied for nor authorized. The amount of the loan totals {$34000.00} and the amount past due is {$4800.00} as of XX/XX/XXXX. The last payment made on this loan was XX/XX/XXXX but the first delinquency occurred on XX/XX/XXXX and the account is more than 180 days past due. 

This account does not belong to me and needs to be removed from my credit report as soon as possible. I believe this loan is a result of identity theft and I want to file a formal complaint. 



Contact information for TESLA is as followed : TESLA XXXX XXXX XXXX XXXX. 
XXXX, UT XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: DISCOVER BANK
State: CA

Complaint narrative:
I have two accounts on my credit reporting that are fraudulent ; 1. Discover Card : I have no knowledge of the account. 

2. XXXX XXXX XXXX XXXX : Card was stolen and reported to XXXX XXXX XXXX and it was never resolved of the fraudulent charges. 
On XX/XX/2020 called to report the card was lost/stolen ( reference # XXXX ) Follow up on XX/XX/2020 and completed forms for fraud charges. Emailed to XXXX XXXX Followed up again on XX/XX/XXXX with Fraud Dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was approve for an Automobile loan of {$17000.00} in XX/XX/XXXX with Pentagon Federal Credit Union. I started payments from XXXX to XXXX and on XX/XX/XXXX I applied for Covid-19 loan deferments which lasted for 8 months. On XX/XX/XXXX I resumed payments for XXXX and then one in XXXX and that was when I noticed that the 5 payments I made from the year XXXX to XX/XX/XXXX was not reflecting on my current balance of {$17000.00}. I called pentagon on XX/XX/XXXX at approximately XXXX to get some more insight about the matter. I was on the phone with the representative for approximately 40 minutes as she tried to analyze the matter unsuccessfully. She place me on a hold a couple of times during the call and when she returned the final time I requested an itemization of my payments and then the call was suddenly severed. 
On XX/XX/XXXX I made a payment to see how it would reflect my balance just bringing it slightly down to {$17000.00}.

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 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Full Name : XXXX XXXX XXXX Home Address : XXXXXXXX XXXX XXXX XXXXXXXX TN XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Incorrect Information On Credit Report ( Wrong Address, Fraud, Incorrectly Shows Account Still Reappeared ) Fraudulent Address & Negative Account Information Appearing On Credit Report. I'm Not Familiar With Address ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) Associated With " XXXX XXXX  '' After Contacting Creditor Directly And Them Validating The Personal Information With Me. So I Uploaded A Picture Of My Government Issued ID And Mailing Piece That's Attached For Current Correct Address Including IDTheftReport From XX/XX/XXXX And Requesting Updated Corrected Consumer Statement As It Appears On My XXXX  Credit Report : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC. Consumer Statement : OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Or ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XX/XX/XXXX I sent my first dispute letters to all three bureaus ( XXXX, XXXX, and XXXX ) requesting validation/ verification for the following two Portfolio Recovery accounts ( XXXX and XXXX ) be investigated because these accounts are not mine, inaccurate, and fraudulent activity and to delete from my credit report. 

Following my dispute letters XXXX  removed the two accounts from my credit report. XXXX and XXXX continued to report inaccurate information. 

XX/XX/XXXX a letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA was hand delivered stating I had court XX/XX/XXXX. On this form it states " For Service at a New Address '', the first summons was sent to my mother apartment in which I never lived. 

I attended court on XX/XX/XXXX requesting trial because these accounts are not mine, inaccurate, and fraudulent. I was appointed a new court date for XX/XX/XXXX XXXX. I was then mailed additional information at my mother apartment Notice of judgement. Attached will be documentation ( exhibit 1, exhibit 2, and exhibit 3 ) supporting all claims above. 

Portfolio Recovery Associates is violating my consumer rights and never provided validation or proof that this debt belongs to me. Falsified documentation and purposely sent mailings to an address that is not mine so I can miss court dates ( please see exhibit 1, exhibit 2, and exhibit 3 for supporting my claims. ) Furthermore XXXX, XXXX, and XXXX  are liable for violating FCRA 15 usc XXXX. 

I have never received communication from Portfolio Recovery Associates stating they have purchased my alleged debt. The first communication I received were judgement papers this violates FDCPA 15 usc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have had a closed account with this bank for over a year now and they refused to send me a check for my remaining balance and they dont have a branch in my state of residence.

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 2021-03-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX I sent a letter regarding inaccurate account on my credit report. To this day over 90 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so they should be deleted promptly. Equifax has violated my rights. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Good morning, I had 2 accounts in collection which I paid in full and was told that they would be removed and I would receive a letter stating they are at XXXX balance and would be removed. As of today I had yet received a letter or the accounts removed. 
XX/XX/21 paid {$470.00} to Resurgent XX/XX/21 paid {$390.00} to Resurgent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My banking accounts with CHASE Bank were compromised from a scammer. Resulting from 3 fraudulent atm transactions. The bank paid back the money owed to me to investigate. The bank representative that called told me that I made the purchases and they then took the money back out of my account resulting in a very huge negative debt. The scammer got ahold of my information, log in, my data was exposed to this thief. The scammer then said that they had a hold on all my accounts if i did not pay the debts that took out of my account. I called a branch manager right away to report the theft. The banker said i had a few months to pay the debt, that was never my debt. Someone stole from me and seized all my personal information. The bank closed my account and threw my account in collections. Now i have a huge debt to pay that i never made. I am asking for legal help or write a right to sue letter to the bank for my personal information being exposed in a security breach or i do not know what it is called. Point is, someone stole from me and got ahold of my information. I do not know how to go about this. I get repeated calls from Ohio area codes constantly harassing me for the debt for my CHASE bank account being stolen from me. What can I do? The phone number that keeps harassing me about the debt is XXXX They in one day called me more than 10+ times in one morning. I do not understand how to resolve this issue. And, i would like legal help and advice on what to do. What can I do to make this stop?

Company response to consumer: Closed with explanation