vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 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: LA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was Banking with Wells Fargo and I pay The company they told me it would be off in 30 days but it still on my credit

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have disputed the name variations on my report with Experian well over 3 times already with them. They have yet to remove the 2 that I demanding be removed due to data breaches I'm involved in and identity theft. The ONLY name that should be on my report is XXXX XXXX XXXX. The XXXX XXXX and the XXXX XXXX XXXX need removed immediately. I just logged onto my report with them online and it still is not fixed. I will be attaching the letter I mailed them ( certified as well ) back in MAY demanding this be fixed and they still are not adhering to my demands. According to FCRA it is now over 30 days since I've requested this so now they are in violation. If this continues to be an issue I will get legal counsel and sue.

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 2021-06-14 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I called XXXX saying I owed money XXXX. But I told them I didnt because it was a bank error they did from their computer system. The bank said yes its a mistake they made and it was a bank system error. So I didnt owe the money to them anymore after they told me that day.Now later a debt collector company monarch is saying I owe this money to XXXX still XXXX when I know I didnt owe that anymore because XXXX XXXX told me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
In XXXX of XXXX I had a motorcycle accident. I went to an emergency room for treatment. The hospital then submitted the bill to the VA for payment as Im a 100 % XXXX veteran. In XXXX the doctors group who treated me had submitted the bill to the VA for payment long after the required time the VA allows for medical bills. The original company never contacted me and just reported the debt to my credit. In XXXX of XXXX I contacted the VA because I was still receiving bills. The VA had made it clear to me they waited 5 months to submit the bill when they only have 3 months to submit the bill for payment. The VA explained to me and the debt company as well as the doctors group they failed to submit the bill in a timely manor for payment. Now I have a new debt collection company calling me without telling who they are or why they are calling. They want me to give them sensitive information without them telling who they are or why they are calling. Just two weeks ago this company has reported to my credit again. The new company has also been told the debt was submitted after the time period for reimbursement. The new company is also reporting on my credit at least once a week. 

The name of the new debt company is Radius Global Solutions LLC. The original debt belongs to barracuda XXXX XXXX XXXX. The account number is XXXX. 

Both agencies have been told because the original party did not submit the bill to the VA in a timely manor it would not be paid. The VA also had their debt collection group try to handle this and they refuse to stop trying to collect and continue to report and ruin my credit.

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 2021-06-14 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: MO

Complaint narrative:
I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 237 DAYS SINCE I FILED A DISPUTE. I FILLED A 60-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-06-14 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: MI

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: NC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Signed up for a bank of America AAA credit card. Mailed a check at the end of XXXX for {$150.00} ( to pay XXXX ), then I mailed a check at the end of XXXX for {$150.00} ( To Pay XXXX ). Never got a statement then on XX/XX/2021 I go to use my credit card and it was denied. I am like I have a XXXX limit and a XXXX  balance, this makes no sense. I go online and see my payments have not been applied and I hurry and pay electronically since the company never sent me a bill, never called me or notified me of any issue, I assumed everything was paid. When I talked to them on the phone to get my fee waived they said they would not waive it and they didn't even tell me it was 30 days past due, they just said they would not waive it. 

I get a notice that I have a late payment and I have not missed a card payment ever with them and I have two other cards with them. I feel this was a problem on their end that they never applied for my payments and never did statements. I was going to sign up for auto-payment but I decided to cancel two of their cards because of how rude and unhelpful they were.

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 2021-06-14 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: LA

Complaint narrative:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX data breach, and it may have got into the wrong hands.

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 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is keeping me from cancelling my subscription. When I try to log in I am told it is the wrong login information which is the information I keep in my XXXX XXXX account. When I try to get help logging in I enter all the information they request such as Social Security number, name date of birth, mobile phone number and email address, I am told that they are unable to help me. I have already signed up for XXXX  Credit Reporting, so can you see my dilemma? Thank you for any help you can provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION
State: LA

Complaint narrative:
The bank calls for payment during the 10 day grace period and everyday after. Some days they called more than once. 
They are literally harassing me at this point, and I don't even make the payments for the truck, just because it's in my name, doesn't mean I pay it! I spoke with XXXX 2 Thursdays In a row and explained who pays the truck and he asked me the same stuff both times. As if he didn't notated anything the first time on that Thursday! I'm tired of getting a phone call from them. The people who pay the truck will not let it go past 30 days because they will not let it hurt my credit! Please take care of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I went to Wells Fargo 's XXXX XXXX location in XXXX, Tennessee for a scheduled meeting to conduct a wire transfer. I met with my private banker XXXX XXXX at XXXX XXXX  CST. I opened an account for a safety deposit box and then moved forward to make a wire transfer. I was attempting to make a wire transfer of {$320000.00} to a company I do business with in XXXX. XXXX explained that she was going to need to call for a code to complete the transaction. She called to request the code and was placed on hold for 15 minutes. When someone picked up the phone it was a gentleman named XXXX. He proceeded to ask XXXX : how long have you known Ms. XXXX? Why is she sending this size wire? Why would anyone pay her this much money? Can you send me a copy of her driver 's license? He then puts her back on hold for another 36 minutes. When he comes back to the line, he tells XXXX he is opening an investigation into the wire. I was shocked and alarmed by this statement. 

XXXX apologized for his behavior. I later received a call from an XXXX in the fraud department telling me my account is being closed because the wire was being recalled because of fraud. I asked her why was that the case when I had submitted a Client Information Sheet, Anti-Money Laundering agreement, an engagement agreement, a copy of the sender 's passport, and a copy of the wire transfer slip to my local branch. She said the wire was being recalled and it was nothing I could about it. I told her I was filing a complaint because this was the second time in a year I have had problems with Wells Fargo regarding large deposits into my account. Last year I had {$250000.00} deposited into my account and I was accused of money laundering. 

I spoke to the sender of the wire and she did tell Wells Fargo she was going to recall the wire because she did not like the questions they were asking her. She did go to her bank on Tuesday, XX/XX/2021 to let them know she was not recalling the wire.

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 2021-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a notification from XXXX that Radius Global flagged my account for collections. 

I have an {$85.00} debt from this company on my report. I have never been written a letter informing me of this debt and the right to dispute. I do not know what this debt is for although it states XXXX. 

I am covered by the XXXX XXXX and was informed that there should be no collection of debt for consumers enrolled under the Affordable Care Act. My insurance information has been given to all healthcare providers that I see. 

I am demanding this attempt to collect a debt seize due to violation of my consumer rights to dispute a debt. This company failed to inform me of this debt before reporting to the credit bureaus.

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 2021-06-14 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: LA

Complaint narrative:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Reporting on my credit profile as a derogatory collection account. Without proving that the account was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: MO

Complaint narrative:
I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 237 DAYS SINCE I FILED A DISPUTE. I FILLED A 60-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 35 days is a reason to remove those things off my credit report immediately. It has been over 60 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX data breach, and it may have got into the wrong hands.

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 2021-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal limited my account without no reason, and the big problem is all my work stopped now and i have any other money. 
This is my email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation