vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}, {$5000.00}, {$45000.00}, {$6500.00}, {$5000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a  balance of {$5000.00} -This is not my account. 

3. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXXXXXXXXXXXXXXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.

5. XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$5000.00} -This is not my account.

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-09-01 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 — Investigation took more than 30 days
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Made a dispute with XXXX  on XX/XX/XXXX which was received by certified mail # XXXX that was received on XX/XX/XXXX per the certified mail receipt. Addtiionally, I sent the same dispute on XX/XX/XXXX that was received XX/XX/XXXX certified mail # XXXX per the certified mail receipt received. The dispute letter sent both times is listed below : XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Re : Disputing Credit Report I recently received my credit report from your company and located the following incorrect information. This credit report does not accurately reflect my true payment or credit history and is therefore extremely injurious to me. 

I request for any and all documentation associated to verify my account including my signature. If you fail to produce any documentation I ask for this information be deleted from my credit report. My disputes are as follows : Designed Receivables XXXX # XXXX This account is not mines Designed Receivables XXXX # XXXX This account is not mines XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX This account is not mines Please send the names and addresses of the persons contacted to verify this information. If this is not resolved with in 30 days a have the right to small claims litigation as I can legally seek {$1000.00} for each violation : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Signature and SSN redacted for privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Since filing a complaint I received a letter in the mail with a statement of my account. My credit limit was XXXX and they have decreased my credit to XXXX without my knowledge.I am hoping to resolve these issues as soon as possible.

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 2020-09-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}, {$5000.00}, {$45000.00}, {$6500.00}, {$5000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX  XXXX with ACCT # XXXXXXXXXXXXXXXXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.

5. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5000.00} -This is not my account.

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-09-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}, {$5000.00}, {$45000.00}, {$6500.00}, {$5000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX  XXXX with ACCT # XXXXXXXXXXXXXXXXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  XXXX  and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number.I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX {$580.00} XX/XX/XXXX XXXX  {$480.00} XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ) XXXX {$680.00} ( XXXX XXXX  XXXX ) XXXX XXXX  XXXX   {$960.00} ( XXXX XXXX XXXX  XXXX  XXXX ) XXXX XXXX XXXX {$130.00} ( XXXX XXXX XXXX  XXXX ) It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2020-09-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but Experian XXXX  and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number.I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX {$580.00} XX/XX/XXXX XXXX  {$480.00} XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ) XXXX {$680.00} ( XXXX XXXX  XXXX ) XXXX XXXX  XXXX   {$960.00} ( XXXX XXXX XXXX  XXXX  XXXX ) XXXX XXXX XXXX {$130.00} ( XXXX XXXX XXXX  XXXX ) It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Walla Walla
State: WA

Complaint narrative:
The Walla Walla Collection Bureau keeps trying to garnish my husband for an account that was already paid for. This has been ongoing for at least 5 years. We fight with them about debts that have been paid and they re ask for payment. This time I was fed up and took them to court, the judge ruled in our favor and dismissed the garnishment and account. The collection agency has NOT been reporting anything OTHER than it is still OWING. I am getting frustrated because we are tying to buy a home and these people keep reporting negative. I have a ton of documents proving they had already garnished him and things have been paid. The account I need them to take off is for a XXXX for XXXX. This is the debt we need taken care off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter through the mail for verification of debt. 

Under FCRA law, It says that I can submit a verification and if the creditor is unable to validate the debt, showing original signatures and proving that its my debt they must delete it. 

I have yet to receive a response from the company therefore they have violated my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I wrote a check on XX/XX/XXXX. The person I wrote the check to cashed the check using mobile deposit into a XXXX XXXX account. The funds were removed from my Bank of America account. All is good. 
On XX/XX/XXXX the check written on XX/XX/XXXX was mobile deposited again unknown to me. I received my Bank of America statement on XX/XX/XXXX with a subtraction from my Bank of America checking account for the same amount as the check written on XX/XX/XXXX with the description of " FORCE POST DEBIT ''. When I called Bank of America to ask what this was, they explained that the XX/XX/XXXX check had been mobile deposited to XXXX XXXX again, XXXX XXXX honored the check and took the funds out again from my checking account. They said they tried to get the money back from XXXX XXXX, but XXXX XXXX would not give it back (?? ). They said there was nothing they could do about it, that I should go back to the person who deposited it twice and try and get my money back. 
I do not think this is right. Is every check I have written subject to being double ( or multiple times ) deposited and my checking account drained without any consequences to XXXX XXXX or Bank of America?

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 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/XXXX @ XXXX, I deposited a check from my insurance company that was endorsed by myself, my husband, and our mortgage servicer for {$5100.00}. I received a printout of the deposit which included a picture of the front of the check. The deposit slip, although showing the front side of the check, listed the deposited amount as {$5000.00} ; {$100.00} short of the full amount of the check. On XX/XX/XXXX, I went to my bank ( US Bank - XXXX, IA XXXX ) to alert them the amount scanned by the ATM was incorrect. It is important to note that my bank does not take calls nor has an open lobby during the pandemic ; all transactions are via drive up only. On that date, XX/XX/XXXX, the teller took my name and a copy of the deposit receipt, then informed me that the branch manager would call me that afternoon. I received no call. 
On XX/XX/XXXX around XXXX, I tried to pay a utility bill using my debit card and it was declined. I checked my balance and was alarmed that the deposit was reversed and my account was now overdrawn. At XXXX I went to my bank and sat in the line at the only open window for 20 minutes. Once I was able to get to the teller window, I again, addressed the incorrect amount scanned by their ATM, and now, inquired into the reversal of the deposit altogether. I was informed by the branch manager, XXXX XXXX, that my mortgage company did not endorse it, so the check had been rejected. I informed the branch manager that my mortgage company HAD endorsed the check. XXXX said I had two options given they, US Bank, did not own the ATM machine in their parking lot that, ironically, had the US Bank name on it. The options stated by the bank manager were as follows : 1 ) wait for the ATM company to issue me a " certified, legal '' copy of my check to which I could bring back to my bank for them to inspect as to whether they would cash it, or 2 ) have my insurance company reissue a new check, which would then be 3 days in the mail from my insurance company, then another five for my mortgage company to endorse and return to me to go through the same process. Another important note is the derecho storm we had here in Iowa that originated the insurance check in the first place. This insurance claim check was to pay for the removal of a huge ash tree that is leaning toward my house, as well as, the neighbors. 
The way in which US Bank handled our check is unacceptable!

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 2020-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I initiated a money transfer of XXXX on XX/XX/2020 using Western Union. The tracking number of the transaction is XXXX. 

When the funds did not reach the receivers bank account even after three weeks I was given a reference number XXXX for my complaint. 

I was told that the receivers bank account rejected the transaction, which was absolutely incorrect as funds sent by other Money transfer app was credited to the same receivers account. 

I called customer care every day inquiring about the transaction but was kept on long wait time and never got the accurate facts about the money transfer.

After raising a complaint with CFPB, western union agreed to refund the entire amount on XX/XX/2020. Already one month had passed by then from the day when money transfer was initiated. 

The mail is attached and Western union replied with reference number # XXXX. 

Even after so much, THE MONEY HAVE STILL NOT BEEN REFUNDED to my account. 

I am being harassed by western union customer care every day when I try to reach them inquiring about the money. 

I am losing my sleep over this and have to take pills. The whole situation is affecting my health and career as I am not able to concentrate on my work. 
Looks liken western union is illegally not releasing my money and indulging in profiteering. 

I request the CFPB to kindly look into the matter and help me in getting back my money from western union. I request to provide me legal aid if deemed necessary to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
In XX/XX/2018, I ended my 15 year relationship with XXXX. A few years prior I had negotiated getting every channel for {$100.00} a month. When this offer ended I switched my service, and I wound up paying various amounts every month from XXXX to nearly XXXX a month. In XX/XX/2018 XXXX approximately ) I called XXXX to cancel my service, since I used to get every channel for {$100.00} a month and I was now paying almost 2.5x 's  more while getting far fewer channels. The lady I spoke with said she could put me back on the {$100.00} a month for every channel plan, so I agreed. About two weeks later I got a letter from XXXX telling me they wouldn't honor the deal I made with one of their representatives. They attached an agreement to this correspondence saying they could do it for {$150.00} a month, and they wanted my signature on the agreement. As soon as I was able XXXX a couple of days ) I took all the equipment in my housed brought it to the XXXX store nearest my house and cancelled my service. About a month later I received a bill from XXXX for termination fee. They have never stopped. 
Other than my I initially started my service with XXXX, I never signed an agreement with them. All deals were made over the phone, and I was never late nor ever missed a single payment. I don't owe XXXX anything. They broke the deal, not me. They then had the audacity to send this bogus charge off for debt collectors, who constantly harassed we and my family. Now they have sent a Major Derogatory alert to the credit bureaus, damaging my excellent credit rating that took me years to build. 
I owe XXXX nothing. I hope the CFPB can force XXXX and Convergent Outsourcing to retract the Major Derogatory from all the major credit bureaus, and once and for all cease and desist from harassing a former loyal customer just because that customer finally decided to end their association with their greedy corporation. 
Thank You, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI 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 explanation
Consumer complaint received 2020-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Capital One Branded Credit Card and received a form letter in the mail advising me that they have reduced my credit limit for no other reason than I am not utilizing all of my available credit. I contacted Capital One and was advised that the decision is final and was treated with a snarky have a nice day at the end. Call lasted all of 20 seconds. The credit limit was reduced by 2/3rds and will negatively affect my credit score. I have excellent credit and strive to maintain that rating. I have two of their Credit Cards and fully expect to see another letter for the other card also reducing it by 2/3rds. This will have a cumulative affect on my credit score in the negative direction. A credit card company should not have the ability to arbitrarily reduce one 's credit limit when there the customer has excellent credit and payment history. There is no underwriting reason to do so. Many customers are receiving the letters and lots of complaints on XXXX. I am demanding my credit be restored.

Company response to consumer: Closed with explanation