vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
BANK OF AMERICA CLOSE MY ACCOUNT BECAUSE I USE BILLED PAY TO SEND MYSELF CHECK. BECAUSE I COULD NOT GET TO BANK END TIME BY THE TIME THEY CLOSE. IN THERE CLOSURES IT DOES NOT SAY YOU COULD NOT USE BILL PAY FOR THAT.. I HAD NO CHECK FOR THAT ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Tried to request my free credit report from all 3 agency using the XXXX XXXX XXXX website but after entering the requested details none of them are working. Either errors out or asking me ti send information via regular mail. Trying to get the report in the past week multiple times, the site never worked. It's either redirect to the agency site where I have enter additional info and then errors out, or simply doesn't work at all.

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 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I've sent a letter to Experian disputing and requesting the removal of debt XXXX XXXX. Experian reported the account as verified. On XX/XX/2020 I sent another letter to Experian disputing the same account in concern requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they may have on file of the accounts listed. Experian could not supply me with any document with verifying proof but yet again they stated it was verified as accurate. 

I have also sent letters out to XXXX XXXX  requesting validation of the account claiming that I owe any obligation to them. Not only have XXXX XXXX ignored my prior requests for validation of debt sent by Certified letter # XXXX XXXX XXXX XXXX XXXX XXXX delivered & signed receipt on XX/XX/2020 at XXXX, but they continue to report this debt to the credit bureaus causing damage to my character. A second letter was sent to XXXX XXXX on XX/XX/2020 formally advising that I believe their company has violated several of my consumer rights. Specifically, XXXX XXXX failed to validate a debt and again blatantly ignored my request, which is a FDCPA violation and yet they still continued to report a disputed debt to the Credit Bureaus : another FCRA violation. As we all are aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean XXXX XXXX agrees with me that this debt is false. I will use the Estoppel in my defense. 

I also specifically stated that I expect to receive the proof requested within 15 days of the letter sent on the XX/XX/2020 letter which they again ignore my request for validation of debt. 

Today I will be sending out my final letter in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D to Experian prior to seeking legal damage if my concern is not rectified by the removal of the dept from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have written to XXXX to remove the negative collection account under my name because there is a paying as agreed account listed already so there are 2 accounts. This is an error and they dont want to remove it and keep showing it on my credit report and its preventing me from getting jobs and defaming 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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Tried to request my free credit report from all 3 agency using the XXXX XXXX XXXX  website but after entering the requested details none of them are working. Either errors out or asking me ti send information via regular mail. Trying to get the report in the past week multiple times, the site never worked. It's either redirect to the agency site where I have enter additional info and then errors out, or simply doesn't work at all.

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Tried to request my free credit report from all 3 agency using the XXXX XXXX XXXX  website but after entering the requested details none of them are working. Either errors out or asking me ti send information via regular mail. Trying to get the report in the past week multiple times, the site never worked. It's either redirect to the agency site where I have enter additional info and then errors out, or simply doesn't work at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pollack & Rosen, P.A.
State: GA

Complaint narrative:
I have been contacted by a firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX,, Georgia XXXX they first called themselves, XXXX, XXXX XXXX XXXX XXXX for a debit I could not have incurred as it was when my father was Ill and later died. Then with the same address a group called Pollack and Rosen did the same thing, both representatives threatened to sue me for a firm XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wrote a letter to XXXX XXXX Cardholder Services last year confirming I spoke with an actual agent informing me that my account is beyond 7 years old and beyond the Statute of Limitations to collect. This was back in XX/XX/XXXX for an amount of {$230.00} that originated before XXXX! XXXX XXXX  keeps continuing to leave this on my report and previously tried to email me to renew this account that was closed. The credit bureaus have not removed it despite me disputing the age of this account! I asked them to remove it early, when the truth is this account should have been removed a long time ago and they keep renewing and changing their dates!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have written to Santander to remove the negative collection account under my name because there is a paying as agreed account listed already so there are 2 accounts. This is an error and they dont want to remove it and keep showing it on my credit report and its preventing me from getting jobs and defaming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I contacted Bank of America as soon as I realized my personal information has been compromised. From the beginning, I was not offered fair and just assistance. I feel that Bank of America wrongfully discriminated against me and refused to assist me in this sensitive matter. I was able to get the copy of the fraudulent checks that were deposited into the account by the scammer. It was very clear that I was not in the state of Illinois when these checked were deposited, nor is my signature on the fraudulent checks. Instead, Bank of America did not investigate, closed my account and reported the account as fraud to XXXX  and XXXX XXXX XXXX. This was unfair and discriminate behavior to a very long standing customer. The only resolve is to have my XXXX XXXX XXXX report clear of their Bank of America erroneous entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: VA

Complaint narrative:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of  Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX  XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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:
After reviewing my credit report on both XXXX and XXXX i noticed that there is a collection from XXXX / Convergent Outsourcing. It was opened on XX/XX/2019 amount of XXXX. I have no clue where this collection came from. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
Collection Details : Company : XXXX, Convergent Outsourcing. 
Date : XX/XX/2019 Amount : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased XXXX XXXX XXXX concert tickets from XXXX for a performance that was supposed to take place on XX/XX/XXXX. I purchased tickets for a specific date and time that worked for my family and I. This concert was cancelled for my purchased date due to the COVID-19 issues. 

I called XXXX within the hour after the band announced the cancellation to obtain a refund. They were unwilling to give a refund saying that the concert will probably be postponed. To date a rescheduled performance has not been announced. You can verify this by going here : XXXX XXXX   XXXX Under " RESCHEDULED EVENTS - NEW DATE CONFIRMED '', XXXX + XXXX is listed but there is no date. Even if new dates are announced, I purchased tickets for a specific concert on a specific day. 

XXXX is the only company that has not refunded me for items impacted by COVID-19. I had a rental car setup for this trip and even though it was " non-refundable '' they were the first to refund me. The hotel I was going to be staying at also gave me no trouble with a refund. I had " non-refundable '' tickets for XXXX at the XXXX XXXX and they refunded me with a simple email. Same for my airport parking reservation. 

XXXX has misleading and deceitful policies. It is such an issue that they have just been hit with a {$5.00} XXXX class action lawsuit for failure to refund ticket holders during this pandemic. No company should be able to withhold a client 's money because their business model is flawed and they " might not survive this '' financially. You can very this here : XXXX : XXXX I opened a dispute with my credit card company, Citi. They investigated but sided with XXXX and reversed the conditional credit I was issued. I have been a Citi Card member since XXXX and am disappointed in the way they handled this case. Citi never asked for documentation about what happened. Citi never asked for my side of the story. Hold times to reach a representative is over an hour. I charge upwards of $ 5000/month on this card. Apparently my business and XXXX credit score means nothing to them. 

I am asking that Citi credit me for the purchase at XXXX. I use this credit card because of the supposed consumer protections I receive when doing so. Right now they are non-existent. I wish to remain a loyal Citi Card customer. Please do the right thing Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have been contacted by a firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX,, Georgia XXXX they first called themselves, XXXX, XXXX XXXX XXXX XXXX for a debit I could not have incurred as it was when my father was Ill and later died. Then with the same address a group called XXXX XXXX XXXX did the same thing, both representatives threatened to sue me for a firm LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I've sent a letter to XXXX  disputing and requesting the removal of debt Convergent Outsourcing. XXXX  reported the account as verified. On XX/XX/2020 I sent another letter to XXXX  disputing the same account in concern requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they may have on file of the accounts listed. XXXX  could not supply me with any document with verifying proof but yet again they stated it was verified as accurate. 

I have also sent letters out to Convergent Outsourcing requesting validation of the account claiming that I owe any obligation to them. Not only have Convergent Outsourcing ignored my prior requests for validation of debt sent by Certified letter # XXXX XXXX XXXX XXXX XXXX XXXX delivered & signed receipt on XX/XX/2020 at XXXX, but they continue to report this debt to the credit bureaus causing damage to my character. A second letter was sent to Convergent Outsourcing on XX/XX/2020 formally advising that I believe their company has violated several of my consumer rights. Specifically, Convergent Outsourcing failed to validate a debt and again blatantly ignored my request, which is a FDCPA violation and yet they still continued to report a disputed debt to the Credit Bureaus : another FCRA violation. As we all are aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean Convergent Outsourcing agrees with me that this debt is false. I will use the Estoppel in my defense. 

I also specifically stated that I expect to receive the proof requested within 15 days of the letter sent on the XX/XX/2020 letter which they again ignore my request for validation of debt. 

Today I will be sending out my final letter in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D to XXXX  prior to seeking legal damage if my concern is not rectified by the removal of the dept from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I received a letter from the company, when I called to try and find out what it was about some lady with an XXXX accent refused to tell me and demanded money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Unable to link my XXXX account to transfer money.

Company response to consumer: Closed with explanation