vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I received the attached letter dated XX/XX/XXXX stated that due to a lawsuit against them for putting holds on account back in XXXX, that I was entitled to a {$150.00} credit. That credit went to an outstanding balance of account numbers I did not recognize. I immediately called Wells Fargo and inquired about the letter because I did not recognize the closed account numbers. The person I spoke to explained the letter and could not find any account in my name that those numbers belonged to and needed to do some additional research because I was the rightful owner of the {$150.00} refund. However, today, XX/XX/XXXX, I received a called from Wells Fargo stating that he did further research and the {$150.00} went to an old defunct Wachovia Bank account that he claimed had a negative balance. If the account had a negative balance why was the account transferred over to Wells Fargo Bank who took over the old accounts of Wachovia if there was a negative balance? He had such a smug and sneaky attitude and wanted to send me a XXXX statement stating there was a negative balance. If that was true, why no one ever contacted me to let me know? I advised him not to send anything to my house dated XXXX. I contacted Wells because I did not understand the refund letter nor recognize the account numbers supposedly the {$150.00} refund was sent.

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 2020-12-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax Report. 
On XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX  XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX  XXXX company placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XX/XX/XXXX XXXX deposited XXXX into my PayPal account for PUA. PayPal then limited my account asking for documents to verify myself. I sent in all requested documents. PayPal then proceeds to close my account and lock my money inside. They told me they will release it in 180 days. Six months from now! Thats not right! Its illegal to hold someones money that long. They have been doing this to thousands of customers. How are they still getting away with this? Is there anything we can do??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Our car was financed through Chase Bank. The final payment of {$360.00} was due on XX/XX/2020. On XX/XX/XXXX, Chase Bank withdrew {$360.00} from our credit union account instead. Additionally, after the final payment was debited, Chase Bank withdrew another {$360.00} from our credit union account on XX/XX/XXXX. This has left my husband and me with insufficient funds in our checking account to pay for other bills including our mortgage payment. 

In an attempt to rectify this, my husband contacted Chase Bank at ( XXXX ) XXXX on XX/XX/XXXX and again on XX/XX/2020. Both customer service representatives acknowledged the error was Chase 's and indicated the overpayments would be reimbursed in the form of a check, rather than a direct credit to our checking account. Additionally, neither would convey the time frame for reimbursement or acknowledge the urgency of reimbursing us. One of the representatives indicated that Chase would reimburse us for any credit union fees incurred, however would not say when such reimbursement could occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had an extended fraud alert on all three credit bureau reports for about 20 years. But in XXXX, Experian changed the alert and forgot to put a phone number in the alert. So, the fraud alert on my Experian report says to call me before granting credit, but provides no number. As a result, potential creditors can not grant credit to me because there is no number ; their only recourse is to get a report from one of the other bureaus. But, I have been denied credit because some creditors use only Experian. 

I wrote to Experian to ask them to update the alert and add my phone number on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have again sent a letter today. I spoke to a representative at Experian today ( finally ), and he said they are backed up, have " bugs '' in their system, and he has numerous complaints just like this, and they just can't get to it. That is not an acceptable response. 

Experian is in violation of the FACT Act ( Fair and Accurate Credit Transactions Act of XXXX, and I simply want them to comply in a reasonable time.

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 2020-12-02 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: CA

Complaint narrative:
Ive disputed items on my credit report with Experian after contacting the collection company. The collection company never sent documents to me proving that I owed them anything. There is not a signed agreement or contract between me and the collection company. There is no cancelled checks. They dont have a copy of my state ID or anything proving that I owed a debt they are demanding that I pay. By law, contracts and or agreements with valid signatures are required to show that someone owes a debt. Bylaw, credit bureaus are required to furnish what they used to validate accounts on our report. Experian never sent me anything showing how items on my credit report were validated not verified or certified. Their actions and the collection company actions violates the FCRA. I will pursue legal actions against both companies if those items arent deleted from my report immediately. They will be required to pay {$2000.00} for each item incorrectly reported on my account. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b )

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 2020-12-02 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: VA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately

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 2020-12-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is a followup on previous Experian complaint # XXXX. Experian said the data furnisher verified that the disputed information was accurate as reported.???? How could anyone verify after reviewing the documents? Experian needs to review the following since XXXX XXXX XXXX XXXX refuses. XXXX  XXXX XXXX XXXX withholds information and drags any investigation 3 1/2 years later. Experian needs to be advised XXXX XXXX XXXX XXXX quickly calls everything a duplicate complaint as they will probably do with this complaint. EVIDENCE - Attached is two applications for two cars purchased in my name. Same day and same dealership. Both applications are incomplete. The phone number and email address is not mine. One is dated XXXX and the other is not dated. One list salary as {$25000.00} and the other list salary as {$300000.00}. One reflects self employed ; the other reflects employed. Credit report is dated XXXX ; one day prior of authorization. Neither was to be processed as reflected on the application and neither had permissible purpose to pull my credit. Then two fraudulent contracts were executed in my name.

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 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AZ

Complaint narrative:
XXXX XXXX filed a lawsuit to collect on a fraudulent debt. They had been notified repeatedly that this debt fraudulent yet they continued knowing that they lacked the evidence to substantiate the debt in court. This is part of a larger scheme by XXXX XXXX XXXX XXXX which uses various law firms around the country like XXXX XXXXXXXX XXXX XXXX ( which has finally been driven out of business ) and XXXX XXXX XXXX XXXXXXXX to harass and threaten American Citizens for fraudulent debts that exist only on spreadsheets and in purchase agreements between dishonest creditors, XXXX XXXX XXXX and the dishonest law firms they hire. 

This is a plain and simple violation of the The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p. In the present case there is a specifi violation of 812. " Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b XXXX Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 USC 1692k In this case, XXXX XXXX XXXX falsely claimed that they were suing on behalf of XXXX. In fact, XXXX had acknowledged that the debt was fraudulent in 2019 and claimed that XXXX XXXX had been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed 3 erroneous accounts on my Experian credit report on XX/XX/2020 via mail. I have NOT received any dispute results and it is now XX/XX/2020.

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 2020-12-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I contacted Experian via mail to dispute inaccuracies on my credit reports. I have not received a response from the company to date XX/XX/2020.

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 2020-12-02 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: NC

Complaint narrative:
This letter is being sent in response to a computer generated, entry or letter unsigned, from XXXX XXXX # XXXX THERE ARE SERIOUS VIOLATION OF THE FDCPA. 1ST FAILUARE OF NOTIFCATION! 2ND THREATS AND CONTINUED COLLECTIONS EFFORDS WITHOUT ANY VALIDATION WHATSOEVER. 3RD NO VERFICATION OF YOUR PROOF OF CLAIM. 
Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2020-12-03 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 — Investigation took more than 30 days
Company: Millco Management
State: FL

Complaint narrative:
Investigation took more than 30 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uptain Group, Inc.
State: AL

Complaint narrative:
My identification was stolen while I was in XXXX used at the hospital I use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2020 I received a alert from XXXX and XXXX XXXX. The alert stated that Capital One/ Cabelas bank made a inquiry by checking my XXXX credit file a hard inquiry. I never made this attempt for this account. I called to the company Capital one and they explained to me that I would have to report to credit bureau. Credit bureau told me this is fraud and to file through FTC.gov which brings me here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/2020, I contacted Equifax to dispute inaccuracies on my report. To date, I have not received any dispute results ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 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: ERC
State: TX

Complaint narrative:
To whom it may concern : I have reviewed my credit report and see that your company has listed an account on my credit file with A balance. ( XXXX XXXX with A balance of XXXX ) I have attached A screenshot of the reporting reflecting on my consumer report. I have NEVER had service with this company or owed this company A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address or prior invoices. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provide me with physical papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my state, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Linebarger Goggan Blair & Sampson LLP
State: IA

Complaint narrative:
I have worked relentless to get this continued attack on me from XXXX XXXX resolved. I feel like this attorney firm should have reported this account. I had to file a complaint with this agency just to get the break down of this fraudulent account. Once I did there was about XXXX in mistakes if not more. In an attempt to force me into a payment plan XXXX XXXX pulled three old moving violations tickets to suspend my driver license. One of the tickets was from XXXX I believe. I was on a payment plan for several tickets which included the three they used to suspend my driver privilege in Iowa. My payments was XXXX dollars a month the file clearly shows that I was givin two extension for making regular on time payments. Yet now some how all the tickets was paid except these three. One which is XXXX dollars more then what it should be. This attorney firm after multibal corrections sent the file back I was told. I was pulled over on my way to a doctor 's appointment placed under arrest then let go at the hospital. I had to seek medical attention for my XXXX and for cuffs that was placed on so tight the doctor stated it compressed my XXXX XXXX and XXXX XXXX XXXX. I have been pulled over once here and I'm in the process of being railroaded yet again by this legal system here in XXXX XXXX. I have tried several times to reach this firm for help. It's my understanding they never requested for my license to be suspended and informed XXXX XXXX that I was working with them in an attempt to figure the balance of what if anything I owed. Yet XXXX moved ahead a wrongfully suspended my Iowa driver privilege after North Dakota refused their request. I dont get how this firm was eager to to collect their percentage at my expense but refuse to help me with this. I want to know why wasn't this account reported and why this firm is refusing to clarify if they indeed told XXXX XXXX I was working to get this balance correct. Where is the support for the wrongfully accused?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation