vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I closed a self-directed Merrill Edge account that has been open for 5-10 years. I was not made aware of any closing fees for transferring this small account. I noticed on my account history there was an account transfer fee ( ACCT TRF FEE - {$49.00} ) which I was not notified I would have to pay. I called and spoke to a representative and complained and they would not reverse the fee. I escalated to a manager who refused to take any action to fix the situation. I feel powerless to recover this fee and Bank of America knows people won't take the time to bring up these egregious fee practices.

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 2021-01-25 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: CA

Complaint narrative:
I recently challenge experian to ask the debit for true accuracy, In which They state to be true accuracy. As Ive been in dispute with them for several months. I am submitting documents that they provide to me in XXXX the address that they state that is accurate is proof of validity to EXPERIAN was inaccurate ; Under the FCRA is a federal law. And violated in reporting false accuracy and Experian allowed this Company to damage my credit. As I stated in the dispute Ive also challenged other credit bureaus and have delete it from my credit for the lack of accurate information. They could not provide. I did that same to Experian, and it refuse to investigate and still allow XXXX Consumer a to violate the FCRA. If EXPERIAN still believe this company is being accurate. Here is a letter they send out to me with a different address in attachment of an address that has never belong to me. As They forward it to my new address and stated retaliating me to pay off the debt. EXPERIAN a allowed them to get personal information and violate the consumer privacy act. I am asking again to Please delete this from my credit report as other have done and protect my information from being in the black web and allowing this company to report false accuracy to Experience. Thank you

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 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I have sent 2 certified letter requesting the details for National Adjuster credit for {$4700.00}. Sent request for validation on XX/XX/XXXX and it was signed for on XX/XX/XXXX to XXXX XXXX of Ohio. Looks like after that date it was moved to National Credit Adjuster, so on XX/XX/XXXX sent a letter to credit adjuster on XX/XX/XXXX it was signed as received. I still have not received paperwork for the debt. However Credit adjusters marked my credit report as 90 days late as of XXXX, when last reporting on the file was 2 years ago. when it was moved to collection. Need also know why Credit Adjuster start over reporting after 2 years. Both letter was request for original amount, and company with date of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX a debt validation letter was sent to National Credit Adjusters for my account. On XX/XX/XXXX, I received a letter from National Credit Adjusters that to properly investigate 30 days or more would be needed and that I would receive documentation of my debt validation when completed. I have not heard back from National Credit Adjusters since this letter and they have failed to provide debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
THIS DEBT WAS INCLUDED IN A CHAPETER XXXX CONVERTED TO A CHAPTER XXXX BACK IN 2010. THIS IS A 3RD PARTY COMPANY THAT PURCHASED THIS ACCOUNT FROM XXXX XXXX IN AN ATTEMPT TO CONTINUE TO COLLECT ON AN ACCOUNT OVER 7 YEARS OLD. I DEMAND THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT AND STOP ALL COLLECTION ATTEMPTS. 
CHAPTER XXXX CASE # 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 2021-01-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On 2012, I have had Chapter XXXX Bankruptcy while I own my house in XXXX XXXX XXXX. XXXX, MD XXXX and I have a mortgage with it, after I received a discharge, my Mortgage did not show in my credit report until XXXX took over my mortgage and I had a complaint against them before and the XXXX said that they remove my Loan form my credit report, now I just checked my credit report and XXXX still showing in my credit report, I want XXXX to remove my loan from my credit report, l was discharged my personal liability for the mortgage because of the Chapter XXXX and I did not do any Reaffirmation Agreement with XXXX, I believe the XXXX did a violation of the Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Deposit of stimulus check from XXXX XXXX XXXX block on Thursday XX/XX/21 before 8 pm place hold on check until XX/XX/21 access to no money for that amount of time chase bank deposit into there atm machine verified check of XXXX $

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, TransUnion and XXXX have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax, XXXX  and XXXX  have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: CA

Complaint narrative:
I recently challenge EQUIFAX to ask the debit for true accuracy, In which They state to be true accuracy. As Ive been in dispute with them for several months. I am submitting documents that they provide to me in XXXX the address that they state that is accurate is proof of validity to Equifax was inaccurate ; Under the FCRA is a federal law. And violated in reporting false accuracy and Equifax allowed this Company to damage my credit. As I stated in the dispute Ive also challenged other credit bureaus and have delete it from my credit for the lack of accurate information. They could not provide. I did that same to Equifax, and it refuse to investigate and still allow XXXX XXXX to violate the FCRA. If XXXX still believe this company is being accurate. Here is a letter they send out to me with a different address in attachment of an address that has never belong to me. As They forward it to my new address and stated retaliating me to pay off the debt. Equifax allowed them to get personal information and violate the consumer privacy act. I am asking again to Please delete this from my credit report as other have done and protect my information from being in the black web and allowing this company to report false accuracy to The credit bureaus. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

XXXX  & TRANSUNION FAILED TO RESPOND IN ALLOTTED 30 DAY TIME FRAME after I disputed the accounts attached to the enclosed past letter as PROOF!

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 2021-01-25 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: IL

Complaint narrative:
I challenged the incorrect information with XXXX  account where you have clearly violated the law, and have put on my credit report three different high credit on the account that is closed. I want it deleted from my credit report. 
Transunion is stating the high credit is {$990.00}. 
XXXX  is stating the high credit is {$0.00}. 
XXXX stated the high credit is {$700.00}. 
No company is telling the truth about the high credit limit.

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 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( PARAMOUNT RECOVERY SYSTEMS ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( PARAMOUNT RECOVERY SYSTEMS ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethic 's violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have contacted the credit bureaus, and reported of the inaccuracies on my credit report due to my bankruptcy, and they have not responded. The three credit bureaus are reporting wrong information on my credit report. Equifax sent a letter saying that I need to send in my driver 's license and a utility bill, in which I did. 

If my bankruptcies are not removed, due to inaccurate reporting, I want to file a lawsuit against XXXX, Equifax, and XXXX. Attached is the copy of what I have sent the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: FL

Complaint narrative:
Mountain run solutions claims I owe a debt of XXXX for an alarm I never had with vivint smart home. I never signed an agreement with that company. But I did sign an agreement with brinks which was forwarded to XXXX to assist me with this company and remove them from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Two fraudulent withdrawals via Venmo were made from two different XXXX XXXX Accounts. The first occurred XX/XX/2020, the second XX/XX/2020. Each theft was {$1500.00}. Prior to each incident a test deposit and withdrawal in amounts of less than XXXX dollar were made and not noticed. Upon discovery complaints were filed with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. TRANSUNION/ XXXX XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES.

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Please forward the information to Comenity Bank. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: IL

Complaint narrative:
I challenged the incorrect information with XXXX  account where you have clearly violated the law, and have put on my credit report three different high credit on the account that is closed. I want it deleted from my credit report. 
XXXX  is stating the high credit is {$990.00}. 
XXXX  is stating the high credit is {$0.00}. 
Equifax stated the high credit is {$700.00}. 
No company is telling the truth about the high credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: IL

Complaint narrative:
I challenged the incorrect information with XXXX  account where you have clearly violated the law, and have put on my credit report three different high credit on the account that is closed. I want it deleted from my credit report. 
XXXX  is stating the high credit is {$990.00}. 
Experian is stating the high credit is {$0.00}. 
XXXX  stated the high credit is {$700.00}. 
No company is telling the truth about the high credit limit.

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 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX At XXXX received call about a Line of credit {$42000.00} debt that I owed. They are telling me that the last time I used this debt was XXXX or XXXX. 
Radius Global Solutions XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX Reference Number : 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 2021-01-25 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: Source Receivables Management LLC
State: AZ

Complaint narrative:
I have been getting the run around from Source Receivables and XXXX. I have asked for contract or a itemization from Source Receivables they tell me to ask XXXX and neither one of them will give me what I'm asking for. This is not a hard request to complete. This is not a legiment account and needs to remove from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

EQUIFAX & XXXX FAILED TO RESPOND IN ALLOTTED 30 DAY TIME FRAME after I disputed the accounts attached to the enclosed past letter as PROOF!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report on XX/XX/20 By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report XXXX XXXX XXXX account XXXX, it is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ) ( a ) you must complete this investigation within 30 days.

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE CHAPTER XXXX CASE # XXXX IS REFLECTING INACCURATE INFORMATION AND SHOULD BE DELTED DUE TO THE BK CASE NUMBER BEING ENTERED INTO THE BK SYSTEM UNDER 2 DIFFERENT FILINGS. THE CORRECT CASE NUMBER IS XXXX AND CASE # XXXX SHOULD BE DELETED.

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