vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I got behind on a credit card account with XXXX XXXX and the account was transferred to Portfolio Recovery Associates, LLC. Portfolio Recovery Associates, LLC assinged the account to XXXX XXXX XXXX attorneys to file a law suit against me. I receive a letter dated XX/XX/19 giving me 15 days to complete a form to avoid garnishment or pay the debt. I received the form a few days prior to the deadline not 15 days prior. I completed the form and sent in a check with the dollar amount the calculations on the form said I needed to send in to avoid garnishment. I sent the check in priority mail that had to be signed for to have verification and proof of the attorneys office receiving the payment. XXXX XXXX XXXX left the payment sitting at the post office for almost a week so that the time to receive payment would expire and they could proceed with garnishing my wages. In XXXX my wages were garnished for the full amount of the collection being paidout in my two checks received that month. It is now the middle of XXXX and I am receiving calls and collection letters from Portfolio Recovery Associates, LLC. stating I still owe {$550.00}. The balance owed was updated on my credit report after they received the first payment from the garnishment but they have not made any other updates since the middle of XXXX. I filed a dispute with the credit reports through my credit monitoring service of XXXX XXXX the middle of XXXX to get the balance updated and that dispute has been reported as resolved and that I still owe another {$550.00} by the credit report contacting Portfolio Recovery Accociates, LLC. This account has been paid in full for almost 2 months now and they are still reporting on my credit as outstanding. I called Portfolio Recovery Associates, LLC on XX/XX/19 after receiving another letter stating I still owe them money. They said I still owe money and they can't talk to me because my account has been assigned from them to the office of XXXX XXXX, XXXX. I explained the issue to Portfolio Recovery and they don't care they are not willing to correct what they are reporting on my credit report. My wages were garnished for more than the amount I owed ( owed around {$970.00} and my wages were garnished for {$1200.00} ) and this was completed prior to the end of XXXX. I want them to be forced to correct what they are reporting to the credit bureaus and I want this attorneys office and the collection company both fined so that they stop doing this to people. This is false information, I paid the debt in full almost 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: IL

Complaint narrative:
Experian is reporting a fraudulent collections account on my credit report. A tenant of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, rented an apartment in my name beginning XXXX, 2019 and squatted for 3 months without paying any bills or rent. This resulted in a eviction and judgment totaling {$7000.00} with attorney fees. When I learned about this judgment I reached out to XXXX XXXX and informed them I did not authorize a lease in my name and this transaction was result of fraud. I spoke to the property manager and forwarded her my police report, proof of address, identity and other supporting documentation. I was informed that any liability by me as it related to this account would be dissolved, due to this I figured the issue was resolved. Fast forward 2 months later, XX/XX/2019, a collection account related to the fraudulent apartment was reported to my Experian credit report in the amount of {$4700.00} by XXXX XXXX XXXX / XXXX XXXX XXXX. XXXX XXXX XXXX  sold a knowingly fraudulent account to the collection agency which in and of itself is illegal pursuant to FCRA 615 ( f ) ( 1 ). 

I spoke to XXXX XXXX at XXXX XXXX XXXX on XX/XX/2019. He stated I should mail my documents supporting my fraud claim to their PO Box and it could take up to 30 days after receipt to complete their investigation and an addition 30-45 days to be removed from my report. I inquired on a fax or email to expedite the receipt of my documents and he stated mail was the only option. 

I work in XXXX and am currently up for a promotion.This fraudulent collection will hinder me from my promotion as a credit check and good credit file is a mandatory criteria. My supervisor will literally be puling my credit in the next few days according to an email I received. This account must be permanently blocked expeditiously.

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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC.
State: NC

Complaint narrative:
XX/XX/2019 i received a response from CAPSTONE CREDIT COLLECTIONS LLC i recently found out that the debt is not owned or bought by the company and the management is no longer in business i asked CAPSTONE CREDIT COLLECTIONS LLC IF I PAID THE DEBT WHO would they pay for my debt they told me to the management of XXXX AT XXXX XXXX. I DISCOVERS that the company has been bought out. the company has new management now which makes a new contract to be made in place, which CAPSTONE DOES NOT HAVE. Capstone has informed me that there trying to collect a debt that's pass the statues of limitations on top of not owning the debt in addition to that doesn't have a contract with the new management that there saying they would pay the debt to. so CAPSTONE is the only company that would be getting paid with no contract in place since the management that exist almost 6 years ago doesn't operate any longer CAPSTONE is trying to convince me that the new owners own the debt but, i have contacted the new owners at XXXX XXXX WHICH TOLD ME THAT they do not own any debt or are affiliate with XXXX at XXXX XXXX there committing fraud and i would like proof that they have permission to try to collect this debt in 2019 and i would like contact information for who owns this debt and who would i be paying this invalid debt to

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2019 my son passed away unexpectedly causing unexpected expense of cremation. XX/XX/XXXX my XXXX was hospitalized causing unexpected loss of income for XXXX. On XX/XX/19 I checked my Wells Fargo Bank account and found that it had been closed due to being overdrawn. I have direct deposit and had it remained open Wells Fargo would have received their overdrawn amount plus overdraw fees. Instead they closed the account and reported me to XXXX XXXX XXXX causing me to be unable to obtain access to my paycheck for another week and outstanding checks that I had written not to process. They gave no warning that they would close the account. I have not received any bill for the amount owed to Wells Fargo due to them closing the account without telling me.

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 2019-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In regards to XXXX Avanue account. I called XXXX XXXX in reference to balance of XXXX $ that i paid so many yrs ago. It is so old my personal information and account info no longer exists in their computer system i paid this account. 
XXXX, XXXX and Transunion all have this account showing as derogatory / unpaid Please remove i read closed accounts have XXXX impact on crefit reports

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 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo is posting my mortgage payments late. In some cases up to 5 business days late. I'm getting late payment fees from my lender XXXX XXXX because of this. It's been an on-going thing now every month or so.

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 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've gotten some suspicious calls and suspect my identity 's been stolen. So, I decided to freeze my credit. I followed the link on the FTC 's website ( https : //www.consumer.ftc.govXXXX XXXX XXXX  ) for this and completed Equifax 's online form. I provided some information, but they said it was incorrect and asked me to call a phone number. 

When I called the number, I wasn't able to speak to a person. The phone message asked me to mail proof of identity to a PO Box but didn't provide any instructions on what to send. 

I then chatted with a customer service rep who gave me this website which just pointed me to phone numbers and sites that I'd already unsuccessfully tried.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
This debt was paid to XXXX and i was given conformation # XXXX. I want this removed from my credit report immediately. XXXX used hidden fees and charged me even without a contract.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 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: PNC Bank N.A.
State: FL

Complaint narrative:
I called PNC Bank over 2 months ago ( XX/XX/2019 ) asking to register for usage of online banking to pay my auto loan and was told I needed a pin to establish an account. I informed PNC I would be leaving the country for 7 weeks and needed the pin ASAP. The PNC rep suggested I enroll in auto payments so I did just incase. I never received the pin and left on XX/XX/19 and returned on XX/XX/2019. On XX/XX/19 I received an alert from XXXX stating my account is 30 days passed due. I immediately called in and told them I was on automatic payments. They informed me that the last representative I spoke with in XX/XX/XXXX didn't enroll me in automatic payments. I made the payment I was behind and the next one just incase to make my account current. I requested that my late payment be taken off my credit and was informed by the PNC rep I needed to submit It in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MI

Complaint narrative:
There was a technical problem with cash app called the number listed the representative that I spoke with told me they had a problem with the app he told me he would fix the problem so that I could transfer the XXXX to my XXXX XXXX account he could not do it so he instantly deposit the money on a card ending in XXXX it has cash out on my app but I dont have a cash card and I went online to my account it had pending then reversed so the payment never went to my bank but it was cashed out because my cash app is showing XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: TX

Complaint narrative:
Equifax caused an FTC violation on my credit reports at this point I'm not exactly sure but need to look at my credit please send a copy of most current credit report Equifax has not let me get into my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Commentity Bank has harassed my family and myself with multiple calls per day. They gave called my sister, my mother and my aunt with the most recent being XX/XX/19. NONE of the people are listed as contacts on my account with them. They illegally contact them and share private financial information that I never allowed to be discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/2019, I went to XXXX XXXX XXXX ( Address : XXXX. XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Phone : XXXX XXXX XXXX XXXX ) to fill up the car with gas ( XXXX XXXX ) that we rented before returning it to  XXXX. I gave my Bank of America XXXX XXXX XXXX XXXX to the attendant and he ran the card through his machine. He then told me it did not go through and he needed another card. I gave him a second Bank of America Mastercard to try. He ran the card through his machine and then told me it did not go through either. My fiance then gave the attendant his Bank of America credit card. The attendant said this charge went through. The attendant did not provide us with any receipts. 

When I looked at my credit card transactions on both cards, I saw that the charge from XXXX to my Bank of America XXXX credit card in the amount of {$100.00} and the charge from XXXX to my Bank of America Mastercard in the amount of {$84.00} both posted. The charge to my fiance 's credit card in the amount of {$60.00} also posted to his credit card. 

When I attempted to contact XXXX, I got a message saying the party was temporarily unavailable. I filed disputes on both transactions on XX/XX/19 through Bank of America and provided supporting documentation. 

On XX/XX/2019, I received a letter from Bank of America stating that they were unable to determine that a billing error occurred and they issued a credit to my account for the disputed charge. The letter also stated that Bank of America was considering the dispute resolved but the merchant would have the opportunity to present new information on why the charges were valid. 

On XX/XX/2019, I received another letter from Bank of America notifying me that they reviewed the details of my dispute on my XXXX XXXX XXXX XXXX and were unable to pursue the dispute further. My Bank of America XXXX XXXX XXXX was then charged the original disputed amount of {$100.00}. I called Bank of America to ask why my account was charged and was told that XXXX provided signed receipts for the transactions and because it was a chipped transaction, they had to consider it valid, and I was required to pay it. I did not sign any receipts when I was at XXXX because the attendant told me his machine was not working. I requested an appeal of Bank of America 's decision but was told because the signed receipts were provided by XXXX, there was nothing I could do, even though I did not sign anything and the receipts must have been forged.

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 2019-09-12 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: TN

Complaint narrative:
Inaccurate information that doesn't belong to me remains.

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 2019-09-12 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: TX

Complaint narrative:
XXXX  caused an FTC violation on my credit reports at this point I'm not exactly sure but need to look at my credit please send a copy of most current credit report XXXX has not let me get into my accounts

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 2019-09-12 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: TX

Complaint narrative:
XXXX caused an FTC violation on my credit reports at this point I'm not exactly sure but need to look at my credit please send a copy of most current credit report XXXX has not let me get into my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: GA

Complaint narrative:
I am writing in regards to the fraud case that was mishandled by Bank of America. The fraud issue happened on XX/XX/XXXX and XX/XX/XXXX in XXXX XXXX, Nevada. A total of {$690.00} was taken out of my checking account. I don't live in XXXX XXXX, Nevada, nor have any family member or friends in that state. I live in XXXX, GA. It was impossible for me to be in two states and make purchases in one state and withdraw money in the other. I called Bank of America 's Fraud department and was told I will be reimbursed and sent a new card. They told me it would take 2-3 months to resolve. It has now been 4 months and I have not been reimbursed or called upon. I also faxed them all the information they asked me to in the prior call. They have been idle and unwilling to reimburse or assist me any further. I also had my XXXX card  also attacked in the same duration dates. I called XXXX XXXX    Fraud department and they helped me resolved my problem, reimbursed, and assisted me in getting a new card. XXXX was completely professional compared to Bank of America. I even faxed my XXXX letter to Bank of America 's Fraud department, with the unauthorized actions that happened on my account. 

I have attached the XXXX 's letter. The investigation proved that the fraudulent actions were not by me, and they have reimbursed the funds back onto 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 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Good afternoon : On XX/XX/XXXX at XXXX PST and today XX/XX/XXXX at XXXX PST I have received phone calls and voicemails from a number missing one digit - XXXX and a person by the name of XXXX XXXX leaves me messages that he has received legal documents under both my name and social and that any questions need to be directed using the file number XXXX and to call XXXX. I called them back on XX/XX/XXXX XXXX PST and spoke with a XXXX XXXX she said she was is the XXXX  XXXX XXXX department, did not provide the name of the company but when asked she said they are from XXXX XXXX XXXX XXXX and that I have a collection account from HSBC/XXXX XXXX credit card number ending XXXX that defaulted on XX/XX/XXXX for the original amount of {$1300.00}. Their client is willing to accept half of the amount owed, {$660.00}, but it must be today XXXX by XXXX Eastern Time or they already have someone in my area to serve me with a civil action suit. Furthermore, if this happens I will then be responsible for not only the original amount owed but for attorney fees, court fees etc., totaling {$3600.00} and they will garnish my wages and place a lien on any assets I might have. I tried XXXX their number and looking up the name of their company, but can not find anything except the word Fraud when i XXXX them. I am listing the numbers and name ( s ) below for them : XXXX XXXX XXXX XXXX XXXX Rep. XXXX XXXX Rep. XXXX XXXX File #  XXXX I am hoping you may help me with this matter.

Company response to consumer: Closed with explanation