vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 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: FL

Complaint narrative:
I am challenging the incorrect information with XXXX and XXXX on my credit report. Where XXXX clearly violated the law. XXXX put on my credit report an account numbers that is not my and the balance are false. The one month terms payment of an account that is completely close. Furthermore, XXXX mortgage is Fraud. The account is false, the date and the amount false. XXXX Mortgage is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts 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 2021-11-04 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: FL

Complaint narrative:
I am challenging the incorrect information with XXXX and XXXX on my credit report. Where XXXX clearly violated the law. XXXX put on my credit report an account numbers that is not my and the balance are false. The XXXX month terms payment of an account that is completely close. Furthermore, XXXX mortgage is Fraud. The account is false, the date and the amount false. XXXX Mortgage is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I had contacted PNC Customer Service via telephone on XX/XX/2021 about incorrect charges being placed on one of my accounts, monthly. The customer service rep acknowledged that the $ XXXXmonth charge was incorrect and refunded the fees. Even though there is a minimum balance required, since I have multiple accounts at PNC that are all linked, the aggregate balance should have exempted all my accounts from the monthly service charge. Hence the customer service rep refunded {$130.00} for 12 months of incorrect fees ( the maximum he could do, even though the service charges dated further back ). He further stated that this will be fixed and I should not be charged this service fee in the future. This was on XX/XX/XXXX. 

I wrote a letter to PNC on XX/XX/XXXX stating that the fix still had not been applied to my account. I have been incorrectly charged $ XXXX/month since XXXX. As of today ( XX/XX/XXXX ), PNC has yet to fix this issue. They continue to incorrectly charge my account $ XXXX/month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
My credit limit was decreased and I was not notified by mail. The customer service rep when I called stated that they sent an email but I did not receive that either.

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 2021-11-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My elderly mother who lives overseas has three accounts with Wells Fargo : a checking account, a money market account, and a CD. As of the time of this writing, the CD is worth about {$1400.00}. I am a joint account holder of the checking and savings accounts, as well as my mother 's POA. However, through some error, I was not added as a joint account holder to the CD. 

My mother called Wells Fargo XX/XX/2021 and attempted to add me as a beneficiary, payable on death, to the CD, but was told that nothing could be done unless she appears at a branch, in person. Despite my being joint account holder on two of her accounts and having general power of attorney over her, they will not add me as a beneficiary over the phone, or through the mail. They will not accept documents through any means other than in-person. 

It is physically impossible for my mother to appear at a branch office ; she is old and lives on the other side of the world. There are also no branches within XXXX miles of where I live : Wells Fargo has been closing branches at an unprecedented rate. No other bank requires one 's physical presence to add a beneficiary to an account. Most institutions even let you do it online. This requirement is unreasonable and not industry standard. 

Furthermore, the CD was originally created with a term of one year, but at some point was auto-renewed with the term extended automatically by the bank to 5 years. You can not leave standing instructions for the CD not to auto-renew : my mother will have to call them during the next 1-week " grace period '' before auto-renewal, which is 2 years from now. At her age, there is a distinct possibility that she will not be alive by then, which would mean having to go through probate to recover {$1400.00}. This is not feasible to do, so if this happens, the money will remain " stuck '' at Wells Fargo forever. My mother 's intention, in making me a joint account holder, was to prevent this very scenario.

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 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I signed up for credit monitoring about 2-3 years ago, I noticed some inaccurate information and things on my bureaus. I took the time to go one by one and reach out to the companies with the inaccurate information. World Finance is one of the creditors. So the first or second time I spoke with someone they told me that they had investigated and was aware the account was not my account. They removed the account, then the account was back on the bureaus. Had reached out like 40-50 times with them. On a lot of occasions I was given the run around. Last month I tried reaching out again and it was the same scenario. It was verified and removed then here again its back on my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have noticed some inquiries on my credit file that Im not aware of I contacted the bureaus they told me contact the creditors I did all that & I have been dealing with this mess for at least 3 months now. I have not heArd anything back from the bureaus or the creditors. I sent letters telling them to send me written documents verifying my ID signed contract and all showing who could do this to me and they never responded. Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inaccurate inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I had a debt with XXXX for the amount of {$54.00} that was paid in XXXX. Ever since then I've been getting calls from MRS associates saying I still owe even after showing them proof of payment. it is now XXXX and the calls haven't stopped, now i receive at least 4 calls a day that hang up as soon as i answer. when I call to talk to someone, they tell me to pay the bill again. I have asked to see proof of this debt and have been told its been sent to me every time ( still no proof of debt 4 months later ). they claim I haven't turned in my equipment as well, when it was returned directly to XXXX location.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 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: TX

Complaint narrative:
I have a clear title to the car I owned that have been paid off and sold to XXXX for resale. I have disputed and attach my documents as proof. Please see the same documents that I rendered to all 3 major credit reporting agencies. However, all major credit reporting agencies, never fix the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: GA

Complaint narrative:
Mountain Run solutions is trying to collect on a debt from " XXXX XXXX XXXX '' for {$4000.00} from me. I have never done any business with Mountain Run Solutions or XXXX XXXX XXXX in my life. I've reached out to Mountain Run Solutions and XXXX XXXX XXXX and that have refused to stop collection efforts or remove this account from my credit report without me paying the fraudulent debt. I have asked several times for a signed contract or written proof that this debt is mine and they have no provided ANYTHING. All they have been able to provide me was with a bill with my name on it which doesn't prove anything. Either they are running a scam on me or someone has opened an account in my name without my acknowledgement and has left me with the bill. Either way I do not owe Mountain Run solutions or XXXX XXXX XXXX anything because I personally have not done any business with them. I am contacting the CFPB because I haven't gotten anywhere with these guys and hoping you all can help. I am prepared to take legal action against Mountain Run solutions and XXXX XXXX XXXX for violating my rights under the FRCA.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I paid and closed a collection account.and experian will not update to reflect as they did with the last one I did. 

The collection agency sent the removal and Experian only updates the balance. This is discrimination and unfair treatment as they are now charging for services they have a vested interest in ruining peoples credit so they can have you pay for their updates quicker. 

Agencies like this need to be closely examined.

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 2021-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have noticed some inquiries on my credit file that Im not aware of I contacted the bureaus they told me contact the creditors I did all that & I have been dealing with this mess for at least 3 months now. I have not heArd anything back from the bureaus or the creditors. I sent letters telling them to send me written documents verifying my ID signed contract and all showing who could do this to me and they never responded. Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inaccurate inquiry

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 2021-11-04 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: MI

Complaint narrative:
I have noticed some inquiries on my credit file that Im not aware of I contacted the bureaus they told me contact the creditors I did all that & I have been dealing with this mess for at least 3 months now. I have not heArd anything back from the bureaus or the creditors. I sent letters telling them to send me written documents verifying my ID signed contract and all showing who could do this to me and they never responded. Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inaccurate inquiry

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 2021-11-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inquiry I have contacted each bureau each creditor and I have not seen no updates. I have not gottten any response on how this could happen. I have not heard from anyone about this manner no written letter showing my iD, paper work, or anything when I been contacting each creditor and bureau for months!..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: TX

Complaint narrative:
I have a clear title to the car I owned that have been paid off and sold to XXXX for resale. I have disputed and attach my documents as proof. Please see the same documents that I rendered to all 3 major credit reporting agencies. However, all major credit reporting agencies, never fix the issue at hand.

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 2021-11-04 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 have a clear title to the car I owned that have been paid off and sold to XXXX for resale. I have disputed and attach my documents as proof. Please see the same documents that I rendered to all 3 major credit reporting agencies. However, all major credit reporting agencies, never fix the issue at hand.

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 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent Outsourcing s is trying to collect on a debt from " XXXX '' for {$730.00} from me. I have never done any business with XXXX XXXX XXXX or XXXX XXXX XXXX  in my life. I've reached out to Convergent XXXX and XXXX and that have refused to stop collection efforts or remove this account from my credit report without me paying the fraudulent debt. I have asked several times for a signed contract or written proof that this debt is mine and they have no provided ANYTHING. All they have been able to provide me was with a bill with my name on it which doesn't prove anything. Either they are running a scam on me or someone has opened an account in my name without my acknowledgement and has left me with the bill. Either way I do not owe XXXX XXXX XXXX  or XXXX XXXX XXXX anything because I personally have not done any business with them. I am contacting the CFPB because I haven't gotten anywhere with these guys and hoping you all can help. I am prepared to take legal action against XXXX XXXX and XXXX for violating my rights under the FRCA.

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 2021-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inquiry I have contacted each bureau each creditor and I have not seen no updates. I have not gottten any response on how this could happen. I have not heard from anyone about this manner no written letter showing my iD, paper work, or anything when I been contacting each creditor and bureau for months!..

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 2021-11-04 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: MI

Complaint narrative:
Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inquiry I have contacted each bureau each creditor and I have not seen no updates. I have not gottten any response on how this could happen. I have not heard from anyone about this manner no written letter showing my iD, paper work, or anything when I been contacting each creditor and bureau for months!..

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 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
Debt collector is attempting to collect a debt. I sent a debt validation letter via mail with return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/21, I was informed by the North Carolina Division of Employment Security that someone fraudulently tried to claim unemployment insurance benefits by using my name, date of birth, SSN, home address, and place of current employment. ( My employer alerted me to the fraud, and instructed me to contact NC Division of Employment Security. ) Thus, my identity was apparently stolen.

To check my credit reports ( as Identitytheft.gov recommends ), I used XXXX. I succeeded in obtaining credit reports from XXXX and XXXX, but I could not obtain my credit report from Equifax -- because of apparent problems in verifying my identity. Oddly, for identity verification Equifax asked questions about loans and accounts that were not mine ( and to which I replied " none of the above '' ). 

Does this problem with obtaining my Equifax credit report signify that someone is already using my identity fraudulently in financial transactions?

Company response to consumer: Closed with explanation