vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had no idea about it. I wasn't getting notification. All of a sudden, I had debt collection call me through the day. I told them not to call me, but I still get calls from them from different numbers. The debt collectors kept pestering me even contacting families and acquaintances who I haven't seen for years, and then leaving scary, threatening messages ... and then I hear about it from multiple friends of their friends before it reaches me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18 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 purchased a home security system through XXXX XXXX on XX/XX/XXXX. It reported to XXXX and XXXX with a hard inquiry and monthly payment until XX/XX/XXXX. On XX/XX/XXXX, I received a timestamped email from XXXX XXXX stating that they will be transferring my account to XXXX XXXX XXXX. Only on the TransUnion XXXX XXXX did XXXX back date that I had an account with them starting in XX/XX/XXXX and they put that I had a deposit of {$99.00}. This is FALSE and fraudulent and needs to be corrected immediately. I did not have an account with XXXX XXXX XXXX until XXXX or XXXX of XXXX. I did not put a deposit down with XXXX  XXXX because I purchased the equipment and plan outright. I have an old bank statement to prove it. I also have monthly bank transactions from XXXX XXXX up until XX/XX/XXXX. I have proof of the emails from both XXXX XXXX and XXXX. It is validated on my consumer reports for both XXXX and XXXX. It just recently dropped off my consumer report in XX/XX/XXXX. I disputed this claim through TransUnion online system and provided copies of the email stating that transferring of my account to XXXX. TransUnion just mailed me a printed copy of my consumer report, which was received XX/XX/XXXX, stating that their investigation is accurate, and no further action will be taken. This is fraudulent because I supplied them with a copy of the email from XXXX  XXXX. TransUnion and XXXX XXXX XXXX should both be audited and investigated for reporting inaccurate and false information. I have bank statements. This can not be doctored or changed. TransUnion and XXXX XXXX XXXX is knowingly reporting false information. Yes, the account is reporting positive, but it is still false and should be addressed immediately. Yes, I am still an active paying customer of XXXX XXXX XXXX but how can I trust them if they are knowingly reporting a XXXX. And I requested a refund from XXXX back in XXXX that I NEVER received yet. I was charged from equipment that I did not ask for. It is on a recorded line and documented in their system. This is fraudulent practices in the open.

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 2021-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is my second time disputing accounts that are fraudulent. I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX -XXXX  XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NC

Complaint narrative:
In late XX/XX/XXXX, I went to the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, in order to get two phones as I was replacing my personal cell and there was a special to get the 2nd phone at little to no cost. After being informed that I was not eligible to open a new account because another division of XXXX XXXX XXXX XXXX XXXX - said I owed them {$190.00}. The store manager got the clerical error resolved or so we thought but, at the end of the day I had gone across the street to XXXX and obtained two XXXX XXXX XXXX phones. My fiance and I had noticed that despite us not being XXXX XXXX XXXX customers we would see periodic collection attempts appear on my credit report for the {$190.00}. XXXX XXXX XXXX had told us both personally with store manager as witness that there wasn't any {$190.00} debt and each time the item was removed from my credit report once I filed a dispute. However, there continues to be collection attempts made and I had to file another dispute yesterday XX/XX/XXXX. This means that I have been the target of a campaign of harassment intending to use the power of a 50-60 point deduction on my XXXX  score each time they do this. The most recent violator was ANFI which I found on my XXXX credit report on XX/XX/XXXX and has already been removed but I still suffer the hit to my credit score. I am asking the bureau to take action to stop this illegal and immoral harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
USAA has an online survey in their app. It asks for my net worth and income, and then asks a series of questions about how likely I am to use the money service XXXX. Bank members have XXXX chances to fill out the survey and if you dont they cut off access to your account in the app. I have now lost access to my account. I do not believe I should be required to answer marketing questions about a third party company in order to access my bank account. I have spent XXXX hours on the phone with USAA. One USAA XXXX  told me the survey was required by XXXX  as part of the Patriot Act, Bankruptcy Act, and Secrecy Act. 
Does the federal government really require me to tell my bank how likely I am to use XXXX or else they cut off access to my online account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Renton Collections Inc.
State: WA

Complaint narrative:
Renton Collections , Inc. contacted me by phone on XX/XX/XXXX. The representative asked that I pay a debt for medical care. I told him I was unsure about owing this debt, so please send the bill to me. The representative continued to call me, despite my request. He called me two more times on or about XX/XX/XXXX and XXXX, XXXX. Again, I requested a written statement. Renton Collections did not provide a written statement until XX/XX/XXXX. ( see attached ). The notice was not provided in the five day window as required by section 809 ( a ), nor did it provide the information listed in 809 ( 3 ), ( 4 ), or ( 5 ). 

I disputed the debt and made two written requests for proper validation of the debt after being contacted again by Renton Collections. I have proof of delivery of my requests. My requests were ignored for over a year. 

On XX/XX/XXXX I received a letter ( postmarked XX/XX/XXXX ) from XXXX XXXX at Renton Collections, enclosed in the letter was a copy of a document.This information was not provided during the five day window as required by section 809 ( a )., and the letter included a phone number never used by the original creditor. More importantly, the statement clearly indicates that I had a {$0.00} balance. 

Renton Collections also knowingly failed to comply with Washington state law RCW 19.16.250 that requires debt validation notifications include a very specific list of items. Many of those items were not included in any communication I received regarding this matter. 

Renton Collections Inc. has not complied with federal or state law, because this is not a valid debt. They are sending documents to me and using legal language that do not actually satisfy their legal obligations under federal or state law, but are designed to deceive and intimidate me into paying money that I do not owe. I would like this harassing behavior to be exposed and stopped.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In early XX/XX/2021 I noticed four unauthorized charges on my Citibank Costco credit card totaling {$2100.00}. All charges were dated XXXX, three were to the XXXX XXXX and one was to the XXXX XXXX XXXX. Neither my wife or I have ever been to a professional football game or a XXXX XXXX XXXX baseball game. 

I immediately contacted Citibank and reported the charges. They sent me some dispute documents which I filled out and returned. 

On XXXX I received a letter from Citibank dated XXXX stating that their investigator has determined that I placed the order and was responsible for the charge. It also advised that if I did not pay they would report it to the three consumer reporting agencies. 
The letter was unsigned and no contact information was on the letter. 

On XXXX at XXXX I contacted Citibank ( via their customer service number ) named XXXX XXXX who claimed to be a supervisor but was unable to locate the Investigator who handled my dispute or provide his name. 

I am a retired XXXX ( OH ) Police Department Detective ( XXXX yrs service ) and was the XXXX XXXX at the XXXX XXXX ( OH ) for 17 years. I have extensive experience in XXXX XXXX investigations and Fraud and Economic Crimes investigations, including credit card and related crimes. 

I know I am not responsible for the fraudulent acts of other on my credit card but it appears to me that Citibank is trying to " bully '' customers into paying for fraudulent charges made on their credit card.

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 2021-12-18 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: TN

Complaint narrative:
Company keeps reporting incorrect account balance, also payment history stating missed payments when special payment terms were agreed to and accepted by creditor

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 2021-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Beginning XX/XX/2021, I received strange packages I did not order from XXXX two days in a row. These packages weren't showing on my XXXX orders either. I called both days and they told me the second day it was a " brushing scam '' someone had used my cell phone XXXX to open a XXXX account and to keep the items, they would close that fake account. They sent me emails confirming this was unauthorized activity. I also noticed unauthorized charges on my Bank of America Visa dated/posted XX/XX/2021. 
I called Bank of America Visa XX/XX/2021, they cancelled the card ending in XXXX, issued a new Visa card, and credited these two charges. : {$73.00} on XX/XX/2021 {$97.00} on XX/XX/2021 However, on XX/XX/2021, Bank of America posted one of the fraudulent charges for {$73.00} back on my new visa. I called them immediately to contest this. They said it was confirmed merchandise was sent to my name and address and I received it. I did NOT authorize that purchase and I told them I had emails from XXXX confirming a fraudulent account was opened in my nameXXXX Bank of America  said mail them the emails with a letter to : Bank of AmericaXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AZ XXXX. I mailed the letter XX/XX/XXXX. I mailed a second letter dated XX/XX/XXXX. I never heard anything back. 

I called Bank of America the end of XXXX. They said they never got the letters or emails and I should go into the bank and have the bank fax the XXXX emails and copies of my letters. 
XX/XX/2021, XXXX XXXX, XXXX, Bank of America in XXXX, CT, faxed all XXXX emails stating an unauthorized party has registered an account with your XXXX  CARD ending in XXXX. To protect your information, we have closed this account and canceled any open orders. They said to wait seven days. 

Today XX/XX/2021, I received a letter dated XX/XX/2021, from Bank of America stating they re-evaluated the dispute but decided to decline the fraud claim for the transaction. They said " the merchant provided documentation confirming I received the merchandise ''. But I did not authorize use of my credit card, this merchandise was not ordered by me, it was an unauthorized fake account. 

My cardmember agreement with Bank of America says I am not responsible for unauthorized charges, but they won't honor the agreement. So I am filing a complaint with the Consumer Financial Protection Bureau for help. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
i received a letter from a debt collection company ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ) claiming i owe {$5600.00} from an unpaid XXXX Credit Card, The bank who filed the claim is Jefferson Capital Systems LLC and the original creditor is XXXX XXXX. I called XXXX and they confirmed my social security number, name and address are correct ; however the email address on file was not. XXXX rep said the account was related to charges from 2017. I have never opened a XXXX credit card so I know this is not my debt. I asked them to please report the account as fraud. The XXXX rep told me she would be mail me a form to complete and mail back to them. I thought I would file an official complain with your office. Please let me know what else I need to do to protect my credit card from this fraudelent debt. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
On XX/XX/2021 I received a debit card in the mail from Wells Fargo with activation instructions. I have never opened a Wells Fargo account. I called their Fraud Department, and it was determined that the account was opened as a result of fraud, and the employee stated a freeze would be placed on the account, and an investigation would begin. 

I received a letter on XX/XX/2021 that the account is still frozen and that the investigation is still underway. 

I am submitting this complaint for the awareness of the CFPB, and for the awareness of consumers and shareholders in Wells Fargo that checking accounts are being fraudulently created at this 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 explanation
Consumer complaint received 2021-12-18 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: TX

Complaint narrative:
XX/XX/XXXX I got credit reports very easily from XXXX & XXXX. BUT! As usual I could not get credit report from Equifax. I'm sure they have messed up whatever they use to check my ID. Equifax has done this before! Also, the credit questions computer asked were beyond difficult and difficult to answer because question ( s ) asked about XXXX credit I opened in XXXX. I had to open about 5 credit card accounts because XXXX wanted me as a defacto cosigner for my XXXX wife! I didn't want any more credit cards! I have plenty. So, which credit card is Equifax asking about? Who knows? I've been using credit since XXXX, no late payments, no bankruptcy, usually pay off every month. Yet, I'm treated like a criminal by Equifax, ALWAYS SAYING WE CAN NOT CONFIRM YOUR IDENTITY! THIS IS XXXX! THIS IS A GAME BY EQUIFAX TO MINE MORE PERSONAL DATA OUT OF ME! AND THEIR USUAL ERRORS IN MY PERSONAL INFO. Equifax has contract with US Government to be a source of personal data about all of us!!! Equifax is a liar!!! I want my annual report now!!! I'm sure I will find mistakes as I always do in Equifax Annual Reports!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: TN

Complaint narrative:
Company keeps reporting incorrect account balance, also payment history stating missed payments when special payment terms were agreed to and accepted by creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: TN

Complaint narrative:
Company keeps reporting incorrect account balance, also payment history stating missed payments when special payment terms were agreed to and accepted by creditor

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 2021-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I never received any information at all about this supposed debt, nor did they give me any option to dispute the debt!!! I just wrote them a letter asking them to verify the debt and to leave me alone and the debt isnt mine! They wont leave me alone Ive had to change my phone number. On my credit report I saw them saying how theyre contacting an attorney, I guess that means theyre going to prosecute me for debt that Im not even sure I owe!!! Theyre ruining my credit as well. I just want them to leave me alone!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: GA

Complaint narrative:
On XX/XX/21 I sent written correspondence to Experian credit reporting agency of an account ( XXXX XXXX XXXX ) that needed attention. However, the credit companies are not complying with their own policies in a timely manner. This has caused me undue XXXX XXXX and XXXX  and has hurt my ability to obtain credit because the agencies are supposed to be reporting 100 % accurate and correct 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 2021-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at XXXX XXXX indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The XXXX accounts are listed here : Three accounts ( two checking one CC ) applied for online through XXXX XXXXk onXXXX XXXX, 2021 One credit card applied for online through Capital One on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: PNC Bank N.A.
State: OH

Complaint narrative:
SECOND TIME DISPUTING FRADULENT ACCOUNTS THAT ARE APPEARING ON MY CREDIT REPORT. Once again I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
SECOND TIME DISPUTING FRADULENT ACCOUNTS THAT ARE APPEARING ON MY CREDIT REPORT. Once again I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation