vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
Collection agency name Convergent outsourcing Inc. supposedly a credit card was opened at the first premier bank card which I have also contacted and fax them. This account was never opened in the first place theyre saying that it was open XX/XX/2018 this is the first bill weve ever received. The amount was {$450.00} and now Old {$750.00}.

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 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Today, XXXX XX/XX/2021, I Received an email from XXXX XXXX XXXX, along with " XXXX XXXX XXXX ( current creditor of your original Springleaf Financial Services , Inc. ( SPRINGLEAF ) account ) balance. '' as well as TrueAccord for outstanding balance of {$1400.00}. 

I have no idea who these people are or who these companies are, never mind owing that amount of money for anything. 
I do not know any : " This was originally an account with Springleaf Financial Services , Inc. ( SPRINGLEAF ), account number ending in XXXX ''. 

WHAT ACCOUNT???? I do not know this company at all, and have never done business with the likes of them either. 

I do have a school loan but that is through OUR GOVERNMENT!!! 
Not some fly by night wan na be BS company. 

Some company tried that in the past, I shut them down too. 
After receiving that email, I replied in not a very nice way, being FRAUDULENT and most likely a SCAM. I also reported this as Phishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: SC

Complaint narrative:
The Credit bureaus seem to throw my letters out or do not do anything on my file. I have late payments that are not true. I want the inquiries I did not authorize removed. I have several accounts that do not belong to me. My name and alias names need to be corrected. My addresses are wrong as well. I am attaching a letter of explanation.

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 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint for myself. There is no third party involved. I am writing to completely remove the following account in my file. The account that needs to be removed are listed in my report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I have reported the theft of my identity to the Federal Trade Commission and I also have attached copies of the Federal Trade Commission 's Identity Theft Affidavit along with my government issued photo identification and social security card. Please delete the items immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: TN

Complaint narrative:
I have no relationship with this company but they continue to call me and are rude and vulgar when I tell them Im filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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:
You received this statement stating that this account was included in identity theft on XX/XX/2021, and you still did not remove them after 4 days. That is a violation.As a consumer ( XXXX XXXX ) and the one with ALL THE POWER, THE REAL REAL POWER, this account on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX  and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Aslo i request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. Please see attached invoice and issue proper CONSIDERATION for damages I suffrered immediately upon receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Self Financial Inc.
State: GU

Complaint narrative:
IN XXXX I OPENED ACCOUN WITH SELF.INC AND STARTED MAKING PAMENTS TO ACCOUNT SET UP WITH THE KNOWLEDGE I COULD CLOSE ONCE I HAD COMPLETED PAYING {$1600.00} HELD BY XXXX XXXX XXXX XXXX.I WAS PAYING {$150.00} XXXX, XXXX, XXXX BUT AFTER RECEIVED STIMULUS DECIDED TO PAY COMPLETLLY AND CLOSE THE ACCOUNT. I PAID {$1600.00} IN XXXX BUT SELF.INC ASK ME TO IDENTIFY MYSELF. I UPLOADED MY FLORIDA DRIVERS LICENSE WITH A SELFIE PICURE AS REQUESTED AND MAILED A LETTER TO SELF.INC HDQS IN WHICH THEY SIGNED FOR DELIVERED BY USPS ASKING TO CLOSE ACCOUNT.INCLUDED IN UPLOADED ATTACHMENTS.THEY WILL NOT CLOSE ACCOUNT I LOGGED IN XXXX.NO CORRESPONDENCE SINCE I ID MYSELF AS SENIOR CITISEN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
The car loan is in my name but is my son. When covid hit my son list his job XXXX XXXX XX/XX/2020 .. then he got part time work and caught up. The hospital closed he worked at due to covid. We called credit acceptance whom stated we pay $ XXXX monthly to keep account in good standing. We immediately started paying full payment in XXXX when my son obtained a fulltime position. I have disputed the late payments showing on my account they stare accurate. This is not accurate at all and hurting my credit and ability to obtain mortgage.

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 2021-05-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding unknown and inaccurate items on my credit report and after 60 days I still have not received a response yet. I feel like I am being taken advantage of and being intentionally ignored on my disputes. Section 611 ( a ), It simply states that a failure to investigate those items within 30 days gives a reason to immediately remove promptly, I demand those accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also breached and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I discover that my money was wired back in XX/XX/XXXX in the early XXXX, after I lost my job during the Covid disaster, and I report to the bank and citi bank said FDIC will not insure if I don't report within a month from XX/XX/XXXX. However, I use citibank as my backup saving bank for disaster when I lost a job, so I try to get my money to paid for tuition, and mortgage, and than I realize the {$20000.00} was wired by a fraud activity. I lost the job, and now people steal my money, and citibank deny my claim, and I never receive any monthly bank statement. and they said I should check online all the time. and I have dispute the claim, and they still said I should read the client policy, that I was notify to report the fraud with in a month, when I open the account, most of the time, when we open a bank account, they gave us more than 10 pages, and who will read all the policy, and that is why FDIC insurance for accident or incident like mine. so I wonder how to get my lost money back from Citi bank, and I have been on the phone with them back and forth more than 10 times, and their customer service is very bad and transferred me to wrong department.

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 2021-05-24 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal randomly closed my account and left a negative balance of $ XXXX. I had {$200.00} in my account and i could not access it because they paid in favour to a client whom i sent proof to paypal that their services were done and they were still asking for money. This left me in a serious finance situation as paypal saw it as justice to repay the client, whose services were completely done for and still closed my account. i had a positive balance of {$200.00} and i would like to have it back. my email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX falsely claimed that a {$5700.00} company debt is my personal debt in violation of the Fair Credit Reporting Act. This is an act of abuse that I just uncovered by ordering my credit report recently from Transunion Credit Agency. 

There is no evidence that I signed any documents stating that as an authorized signer of the business who took the debt, I was responsible to pay for the businesss debt. There is no such proof that XXXX XXXX can provide since such proof simply does not exist. Instead of pursuing collecting the debt against the business, as the former signor of the business, I was instead pursued. Additionally, XXXX XXXX must provide proof of debt assignment from the original business lender as it can not even pursue a claim against the business without the proper written debt assignment letter from XXXX XXXX XXXX to XXXX XXXX 

This act of abuse is illegal and must stop and a violation of New York State and Federal Fair Debt Collection 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 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
CapitalOne arbitrarily restricted my account with no explanation. When I called in they demanded that I provide additional PII before they would tell me anything. I expressed concern over providing PII to a company with a very public record of mishandling the sensitive data of their customers. Against my better judgement I reluctantly agreed and they provided a technical solution to upload the PII which did not work, they provided no alternative. This is not the first time that CapitalOne 's poorly designed anti-fraud practices have caused me unnecessary aggravation. Given that CapitalOne 's so-called anti-fraud practices do not protect me from fraud as much as they have obstructed my legitimate use of my account I have chosen to terminate my <10 year relationship with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This reason why Im writing is BB & T is very rude with no empathy and its a whole pandemic going on and I told them I was very sick not for sure if Im getting over the XXXX XXXX  Im still waiting on my test results. I told them on XX/XX/XXXX I had {$2000.00} and the ATM only took {$700.00} the machine kept spitting out the rest the {$1300.00} the reason why I didnt go in because I was very sick and also the hospital and doctors office advised not to go in any place until I get my test results back. The reason why I didnt drive around looking for another ATM because I was extremely sick. I knew things were scheduled to come out so I had enough money to cover everything. You charged me excessive overdraft fees and thats against the law especially its not my fault I was sick, its whole pandemic out these are not normal times plus the ATM machine wasnt working properly. I have all my documents that I been sick and things. Instead of understanding you treat a long time customer like me extremely rude with no empathy. I need these fees taken off because its causing more and my electricity bill is due. Its like {$1000.00} of fees and those are excessive and not my fault. Thank you for your time. Have a wonderful day and please be safe.

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 2021-05-24 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: Credit Solutions
State: OH

Complaint narrative:
Called number listed to my spouse. When I answered Hello the rep said Ms. " XXXX  ''? I said again Hello? Rep continued to state this is XXXX from Credit Solutions calling as a follow-up to letter sent in XXXX ( didn't catch exact date ) regarding an outstanding balance. XXXX then asked to verify if speaking w/correct party - did not confirm if I was in fact Ms. " XXXX  '' or not before disclosing letter sent on an outstanding balance.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On numerous occasions, I have attempted to link an external account to my Wells Fargo account. 

As per their instructions, you have to link the external account using the bank name, account number and the routing number of the external account. Upon successfully entering this information, you are to wait 2-3 business days for two trial deposits to be made into the external account. 

When these trial deposits are made, you are to go back to Wells Fargo and enter in these trial deposit amounts into the Transfer confirmation page on Wells Fargo. Once these amounts are entered, Wells Fargo approves the process and proceeds with the process of linking your external account. 

Unfortunately, this was not the case for me, I did everything required of me to link my Wells Fargo account to my external account however Wells Fargo has refused to allow me to link my account and have thus suspended my ability to do so. 

I have made many attempts, since XXXX, in fact, to complete these steps however they have blocked all of my efforts. They have sent me to Tech services, Customer service, Customer support and every other department that they could transfer me to in order to thwart my efforts. 

Regardless of where they transfer my call to and who they have me speak with, no one is willing to resolve this issue. They blame the other institution and say that they are the ones holding up this process. I contacted the other institution and they tell me that they have no issues with my account and they aren't blocking anything. In fact, they tell me that this is not the first time that they have seen this issue with Wells Fargo and it appears that thwarting the efforts of a customer to transfer funds is something that Wells Fargo does often. 

Wells Fargo deletes my requests then tells me that I have to try again only to cancel each request and try again, each time pushing the process back by 3 days. They have me in a vicious cycle of trying to access my account and each time they suspend my ability to do so. 

Each time I enter the trial deposit amounts, they claim that what I entered differs from what they have in their records. When I ask them to confirm what they claim the amounts are, they refuse to tell me. 

I have gone through this process over 20 times however they only have in their records for the month of XXXX, which is problematic. 

I need for someone to intervene on my behalf because Wells Fargo is denying me access to my account and denying me the right to move my monies to the account of my choice. 

This is wrong, illegal and reeks of shady business 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 2021-05-24 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: FL

Complaint narrative:
I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up this accounts with someone that has a similar name as 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 2021-05-24 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: FL

Complaint narrative:
I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up this accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX My mom name is XXXX XXXX Her husband name is XXXX XXXX I XXXX been an victim of identity theft since the age of XXXXXXXX XXXX Where before I came out of my group homes my mom XXXX and her husband XXXX which is my step father been using my social To run up bad debt before I even had the chance to use it for myself Lexis nexus another data company that they option me out of, so that I wouldnt be able to see certain accounts on my report knowing an regular consumer report has a way of receiving its information and now me being XXXX it is effecting judgements liens before I was even able to get a job, my social they use to require jobs, phone bills mortgages insurance benefits Wasant informed of nothing nor received the help from the benefits. 

The reason I was in the group homes was because of abuse I have called them and know this is finical abuse can somebody please Let XXXX XXXX XXXX core logics lexis nexus Mortgages insurances judgements liens auto insurance I have a XXXX since I was young. My mom use to get benefits for me being XXXX. Idk who they are getting away with this stuff the scandalous activity needs to stop its not just like a somebody puck up my social and used it once or twice this is a whole operation they been doing and I have got the police Irs trade commission and have contacted legal services for an attorney the proper and legit way please give me some understanding. There XXXX XXXX they was not XXXX XXXX XXXXXXXX. I was they look at me like money gold mine because I was XXXX XXXX XXXXXXXX they are not from untied states.

Company response to consumer: Closed with explanation