vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-28 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: FL

Complaint narrative:
Good Afternoon, my name is XXXX XXXX. My wife and i purchased a time share from XXXX XXXX, when covid 19 hit our state of florida we suffered immensely i am a small business owner. my company was impacted directly and my wife was effected the same. we both was without employment so called XXXX and i was offered a XXXX XXXX in this program i was told to get 5 witnesses notarize the form and send it back to XXXX XXXX  they received it and said they will not accept it. i sent a 2nd XXXX XXXX and they acknowledged they have it and put a late payment which is complete lie i was told to pay them XXXX $ to receive the XXXX XXXX  i owed XXXX  to XXXX XXXX at the moment, from what i see it took them months to accept my lou dod and now they are trying to charge a late fee that is FRAUDULANT. you cant offer a client to charge them to take the property back, receive the payment FRAUDULANTLY PUT A LATE PAYMENT ON MY CREDIT REPORT. then they told my wife there is a number they give to take off the wrongful report she calls and they took it off hers but not mine? very confusing and disheartening to see a multi million dollar company take advantage of families this way.

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 2021-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc.
State: NY

Complaint narrative:
Collection agency is claiming I owe a {$40000.00} to original creditor XXXX XXXX. I never heard of XXXX XXXX or never had any bills or mail from them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good Afternoon, i filed a dispute on XXXX XXXX on transunion because it is stating a derogatory paid in full then speaking to XXXX XXXX they explained a late fee which impossible due to the payment was reported in full? it can be both? i asked them to update they explained they updated it and it is TRANSUNION that did not update it over a year ago! now i have filed a ftc on a different type of fraud because this is wrong and FRAUD you can not choose not update the file for over a year.

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 2021-08-28 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 have a letter From XXXX XXXX XXXX that I am enclosing that validates that the debt that XXXX XXXX XXXX XXXX XXXX XXXX XXXX says I have with them is not my debt. I have filed numerous complaints with Transunion and XXXX trying to get this debt removed. In every complaint Transunion and XXXX swore the information XXXX XXXX supplied that validated this debt was accurate and credible. Here is a letter from XXXX XXXX XXXX  ( The alleged original creditor ) that says this is not my debt and I am not responsible for it. I want XXXX XXXX XXXX trade line removed from my credit report bt Transunion and 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 2021-08-28 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: MI

Complaint narrative:
I have really been trying my best to do good on my own I spend so much time homeless because I could not get approved for an apartment. My baby mama put me out my life is falling and they are really not helping please help me. 

I have sent letter, called, fax and still nothing has been done about my credit I sent letters on XX/XX/21, XX/XX/21 and called and faxed many times in between and still nothing has been done to fix this misleading info on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: FL

Complaint narrative:
I have been trying to get the late payments removed from my report on my Mortgage Loan. XXXX has complied ( attached ) however Transunion and XXXX has refused with no method of verification supplied.

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 2021-08-28 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: FL

Complaint narrative:
I have been trying to get the late payments removed from my report on my Mortgage Loan. XXXX has complied ( attached ) however XXXX and Experian has refused with no method of verification supplied.

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 2021-08-28 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 have a letter From XXXX XXXX XXXX that I am enclosing that validates that the debt that XXXX XXXX XXXX AKA XXXX XXXX XXXX says I have with them is not my debt. I have filed numerous complaints with XXXX and Equifax trying to get this debt removed. In every complaint XXXX and Equifax swore the information XXXX XXXX supplied that validated this debt was accurate and credible. Here is a letter from XXXX XXXX XXXX ( The alleged original creditor ) that says this is not my debt and I am not responsible for it. I want XXXX XXXX XXXX trade line removed from my credit report bt XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I am filling a complaint against COLLBUREAU because they are attempting a that is I do not owe them. Account Name : COLLBUREAU, Account Number : XXXX. 
I would like for COLLBUREAU to show proof of verification that I owe them {$1500.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
Sunrise Credit Services at XXXX XXXX XXXX, XXXX, NY XXXX XXXX, has been sending me collection notices in the amount of {$160.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2021-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
Memorandum To : Cash App From : XXXX XXXX ( XXXX XXXX ) CC : CFPB ( Consumer Financial Protection Bureau ) file Date : XX/XX/XXXX Re : Refund for Unauthorize charges made on Cash App Account Mr./Mrs. Representative : On XX/XX/XXXX. XXXX at XXXX XXXX I initially advised Cash Support team of unauthorized charges. 
In XXXX I was instructed to reach out through my app concerning this issue, and I did. 

On XXXX XXXX I was advised that Cash App Support team would respond quickly concerning this issue.. 
It wasnt until XX/XX/XXXX at XXXX XXXX I received e-mail from cash App Support Team indicating they had found a {$5.00} transaction from XXXX XXXX cash card on XX/XX/XXXX. However, never really informed me of what transpire with the establishment ( covering who, what, when, and why ) this charge took place ; at the same time recommending disabling reissuing my card through the app. nor a refund from the establishment or a credit to my account, or even finding out the establishment information, because I dont have that information. 

On XX/XX/XXXX cash App support team closed my case with out solving the issue as to unauthorize charges. 
On XX/XX/XXXX at XXXX still have the same issue as before still not resolve. Im still getting unauthorized charges, especially 3 times or 4 From XXXX XXXX XXXX XXXX card.These charges started XX/XX/XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There 8 charges on this day, and each charge was {$5.00} per charge ; coming from the same establishment ( XXXX XXXX, XXXX XXXX XXXX  ) totaling {$40.00}, and you mean Cash App Support team are unable to make contact and refund my money that was taken from me? 

As a consumer I'm not being treated fairly in the financial marketplace ; pursuant to enforcing federal consumer financial laws, which holds financial service providers accountable for their action. 

I should not have to jump through hoops to be refund money that was taken from Me, and I should have a contact number to speak with a representative. 

Respectfully submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2021, my phone was stolen with my debit card in the phone case. I am mediately reported this to capital One to ensure that my debit card and account was locked due to the nature of my information being compromised. A few days later I started to notice unauthorized transactions and fraudulent checks being deposited into my account. I followed up with capital one which they then froze my account and assets and said they opened up a claim. My account has always been in great standing, I have always had funds in my account and I have never even deposited a check into this account. The transactions that were unauthorized were at merchants Ive never even used before. I live in Arizona and the transactions took place in Texas and Illinois. Capital one denied my claim. And also close my accounts because of the nature of the situation. I am mediately submitted an appeal along with a fraud and identity theft report from the FTC. About a week ago capital one sent me a letter denying my claim due to the fact that my account was authenticated. They even included a report that shows that authentication took place in Texas and in Illinois and I have been to neither of those places. I lost about {$7000.00}. My entire savings. Capital one will no longer answer my emails and keeps informing me that there is nothing they can do. Only was I proactive about the situation but I am very frustrated and cant even pay my rent this upcoming month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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 contacted Equifax once in XXXX and a second time in XXXX regarding reporting inaccurate information concerning XXXX XXXX. Equifax is reporting an open date with XXXX XXXX of XX/XX/XXXX. One I have never opened an account with XXXX XXXX and they refuse to send me any kind of contract or documentation with me and XXXX XXXX. Two, Equifax is reporting a last active date of XX/XX/XXXX. How can there be an open date of XX/XX/XXXX and last active of XX/XX/XXXX? Last, Equifax is reporting a date of last payment of XX/XX/XXXX. I have never made a payment to XXXX XXXX and how can there be an open date of XX/XX/XXXX and last payment date of XX/XX/XXXX? Equifax has once again responded that this information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Company called Portfolio Recovery calls multiple times per day using a different number EVERY TIME. For the past 28 days they have called during business hours every single hour and if even called on the weekends. They have called up to XXXX XXXX. Central Standard Time and as early as XXXX XXXX Central Standard Time. They are trying to collect a debt that has been written off and not owed. Attached is half a days worth from today. Which is a Saturday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a dispute with my credit card company in the amount of XXXX from XXXX XXXX because XXXX XXXX  sent me and incorrect order I had ordered two sleep shirts a XXXX XXXX and a XXXX sleep shirt how ever I only received a XXXX sleep shirt and the other item I received was incorrect and was a sweater not a sleep shirt so I returned the incorrect item back to XXXX XXXX they were supposed to refund me the money for the XXXX XXXX sleep shirt I never received and also give me and additional XXXX for the return shipping label since they said they were sorry for sending me the incorrect item so on XX/XX/XXXX capital one sent me a temporary credit and as of XX/XX/XXXX capital one rebilled me the XXXX which is wrong because I sent the item back to the merchant and also the merchant never refunded me back for the returned incorrect item the merchant even sent me a letter via mail saying I owe them the XXXX that I disputed with my credit card company so the merchant in reality got there merchandise back plus got to keep the XXXX since the credit card company rebilled me and I got nothing out of it I have a tracking number to prove that the item was sent back to them I've attached a letter from the merchant aswell as a tracking number

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Someone else was managing my bank account and I didnt have access to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
According to 15 USC 1692 its a violation for XXXX agency to not have notified me in writing within 5 days. Only I can validate this debt and I DO NOT validate this debt. Per violation is {$1000.00} The agency stating a past due DATE is a violation 15 USC 1692d ( 2 ) The agency stating the amount due is a violation of 15 USC 1605a They also did not respond back to ANY OF MY LETTERS STATING THE SAME The agency is also in violation of 15 usc 1681 for INACCURATE CREDIT REPORTING

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 2021-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
My Victorias Secret credit account # XXXX XXXX XXXX XXXX with Comenity Bank was charged a minimum interest charge in late XXXX ( I believe the charge was billed on XX/XX/XXXX ) for which I was unaware. I was not expecting a charge because I had paid off the balance in full earlier in the month on XX/XX/XXXX and had not used the card at all since. After I made the payment I checked to make sure it had posted the next day and it had and the balance reflected {$0.00}. However this charge was apparently for the previous month and was billed after the fact. I was advised it was charged anytime a balance carries over. But most people do not check a credit account when theyve already paid the balance in full. 

Also, considering the fact that the credit card company makes money only when someone carries a balance and interest accrues, to charge a fee for the credit card company to essentially make more money off of you when they are already making money by the sheer fact that you carried a balance and are paying them interest, it just feels extremely predatory to me - like they are finding a legal way to increase interest without actually increasing interest. Which prohibiting the unlawful increase of interest is the whole intent behind usury laws. Because I was not aware of this fee ( it wasnt a practice at the time that I opened the line ), I was advised it was something they implemented later, it continued to carry over and I only discovered it when my credit reporting agency notified me that my score had dropped 150 points because one of my credit lines showed past due. 

I called the credit company directly to say I wasnt aware of any fee, that Id already paid the balance in full and I asked them to please remove the late from my credit reporting - that I had brought the account current and wasnt aware of this practice. I was advised that the fee practice is legal, they can do it, that I missed it, and that they werent going to remove the late payment from my credit for the fee that they charged me for them making money off of me by charging me interest, even after Id paid the balance in full. 

This fee has caused the exact same issue to several other card holders as it has to me. This is a predatory practice, its not a clearly identified or anticipated fee ( like a late fee would be ), and I feel like this practice shouldnt be permitted, this is an overly complicated practice for the consumer, and one only designed for the intent of further making money off of increasing interest payment - without actually having to unlawfully increase the interest rate, thus bypassing usury laws. A lot of consumers feel that this type of fee should be considered a prohibited practice under usury laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I am filing a complaint against CONVERGENT OUTSOURCING because they are attempting to collect a debt that I do not owe them. Account Name : CONVERGENT OUTSOURCING, Account Number : XXXX. 
I would like for CONVERGENT OUTSOURCIN to show proof of verification that I owe them {$1200.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.

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 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello this is XXXX XXXX contacting about a fraud claim that the bank of Wells Fargo has taken no corrective action on or the necessary steps to investigate and remove the debt from my account. I gave them all the information for their investigation and also was the first to notify them about the fraudulent activity. They would have never known to freeze the account if not for me and it was clearly not authorized as the only checks I deposit are my business direct deposits. It has been an ongoing battle with them and I heard the consumer gov finance organization is who I should go to trust when banks arent addressing this stuff properly Ive been very stressed about this whole odreal. Thank you so much and I appreciate it if you guys got back to me my email is XXXX 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