vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NH

Complaint narrative:
This complaint is based on violations of the FDCPA and the FCRA by the Respondent. 

___ XXXX XX/XX/XXXX, I reviewed my credit reports and saw a collection account by the respondent. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA. 

___ XXXX XX/XX/XXXX, I disputed the debt directly with the respondent in writing. In my letter, I requested the materials in the CFPB standardized dispute letter for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt, or even provide me with the name and address of the creditor, or the amount owed. 

___ XXXX XX/XX/XXXX, I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by the FDCPA. 

___ At the end of XXXX of XXXX, I received the results of the investigations from the credit reporting agencies, where the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to the credit reporting agencies. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act. See Hinkle v. Midland Credit Management , Inc, No. 3:2013cv00033 ( S.D. Ga. 2015 ).

___Based on the aforementioned facts ( and supported by the attached certified letter ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they have continued collection while failing to validate the debt.

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In late XXXX, I filed a dispute with my bank for a debit card charge. The amount was credited back to my account, only to be reversed a month later, overdrawing my account. When I called about it, I was told that they needed additional supporting evidence to file the dispute. I sent that in, and the money was again credited back to my account. 

Last week, to my horror, the credit was suddenly reversed again and overdrew me. I called about it, and was told that it was past the window to file a dispute. I pointed out that I filed in XXXX, and was then told Yes, but we didnt have all of the supporting documentation we needed. I insisted that I then sent them what they needed, and was told that while the information I gave them was valid, it was now past the window to file a dispute. I pointed out that they credited back my funds a second time, and was told verbatim Yes, but then later we realized that we were past the time frame and took back our credit. 

This entire situation has caused me on immense amount of emotional and physical duress, and the bank has been extremely hard to work with. The bank in question is Wells Fargo.

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 2019-12-23 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: HW Holding, Inc
State: MD

Complaint narrative:
After reviewing my credit report on XX/XX/2019, I discovered a debt in the amount of {$4400.00} on my XXXX  report and {$4400.00} on my XXXX  report for an account that I did not open. After filing several disputes and requesting an investigation with XXXX and XXXX  to have the inaccuracies removed, I found that XXXX and XXXX  continuously and knowingly intercepted inaccurate information from debtor ( s ) Hunter Warfield Inc., XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. In light of this, XXXX  and XXXX failed to compel said debtor ( s ) to provide proof that the account was opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: MD

Complaint narrative:
After reviewing my credit report on XX/XX/2019, I discovered a debt in the amount of {$4400.00} on my XXXX report and {$4400.00} on my Experian report for an account that I did not open. After filing several disputes and requesting an investigation with XXXX and Experian to have the inaccuracies removed, I found that XXXX and Experian continuously and knowingly intercepted inaccurate information from debtor ( s ) XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. In light of this, XXXX and Experian failed to compel said debtor ( s ) to provide proof that the account was opened by 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 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There was no reasonable investigation conducted. The credit reporting bureaus did not notify me of the investigation results via us mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC
State: LA

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXX took me to court. I didnt even know I have a court date.I wasnt notified of the lawsuit. I didnt even know there was a lawsuit. Im on a fix income. Ssi. The judge ruled in their favor. I am bedridden diagonised on the last stage of XXXX I cant walk I cant move I cant do the basics in life. How can I pay them? Before dignoises I tried to call them but no answer they wouldnt answer or talk to me about what can be done with they threatened with arrest

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NH

Complaint narrative:
This complaint is based on violations of the FDCPA and the FCRA by the Respondent. 

___ On XX/XX/XXXX, I reviewed my credit reports and saw a collection account by the respondent. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA. 

___ On XX/XX/XXXX, I disputed the debt directly with the respondent in writing. In my letter, I requested the materials in the CFPB standardized dispute letter for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt, or even provide me with the name and address of the creditor, or the amount owed. 

___ On XX/XX/XXXX, I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by the FDCPA. 

___ At the end of XX/XX/XXXX, I received the results of the investigations from the credit reporting agencies, where the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to the credit reporting agencies. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act. See XXXX XXXX    XXXX XXXX XXXX , XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ). 

___Based on the aforementioned facts ( and supported by the attached certified letter ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they have continued collection on a disputed debt that had not been validated. 

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX never late PUBLIC FILINGS US BKPT XXXX IL XXXX CH-XXXX  not mine COLLECTIONS XXXX XXXX  XXXX {$1000.00} not mine XXXX XXXX XXXX {$660.00} not mine XXXX XXXX {$430.00} not mine XXXX XXXX {$340.00} not mine XXXX XXXX XXXX {$5500.00} not mine

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 2019-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Sender entered information and submitted payment for immediate international money transfer. When recipient went to retrieve money, recipient was told that the account associated with the reference number was blocked. Sender then received notification that transfer was of 5 to 7 business days and not the immediate transfer. Since then, Sender has been unable to contact Western Union to cancel the transaction. IP addresses of laptop and cell phone are also tracked and blocked from certain features of the website and reference number is tracked to receive limited information over the phone when calling customer service. Reference number is routed in circles through automated recording even though availability of live person is addressed. Final prompts skip the option to speak to a live person when deemed appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX, i CALL ABOUT A FRAUDULENT ACCOUNT FROM XXXX XXXX. AND I'M EVEN TRIED TO CALLED XXXX XXXX ABOUT THE SITUATION AS IF XXXX AMERICANS DOESNT PAY THERE BILLS.YOU CAN EASILY LOOK AT MY CREDIT REPORT WHICH HAS OVER 50 ACCOUNTS, SOME PAYMENTS IS OVER {$2000.00} AND SOME PAYMENTS ARE LESS BUT I PAY AS HIGH AS {$20000.00}, BUT I'M NOT GON NA PAY A {$25.00} BILL, YOU CANT BE SERIOUS AND THIS LADY THAT WORKS FOR XXXX XXXX HAS DONE A FULL INVESTIGATION AND SHE STILL WONT TAKE IT OFF. BUT THE MAIN COMPANY IS EQUIFAX, BECAUSE IT IS A TOTAL OF 10 OR MORE ACCOUNTS, WHICH THE BILLS ARE {$25.00} BUT ONCE AGAIN IM PAYING OVER {$20000.00} IN BILLS MONTHLY. IT MAKES ABSOLUTELY NO SENSE.I HAVE 12 PAGES OF DOCUMENTS AND AFFIDAVITS SIGN BY NOTARIES WITH A WITNESS AND EQUIFAXREFUSE TO DISPUTE. THEY FROZEN MY CREDIT REPORT AND THEY TOLD ME THAT I TOLD THEM. SO I CALL XX/XX/XXXX AND THEY SAID OH YOU HAVE A FRAUD ALERT WHICH I DIDNT DO ALSO.. I AM REQUESTING THAT EQUIFAX TO BLOCK THE ITEMS THAT I REQUST TO BE BLOCK UNDER THE FCRA SECTION 605B. I WILL ATTACHED ALL THE DOCUMENTS TO THIS COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Hello, My name is XXXX XXXX ; I have contacted Chase in this manner. Chase bank representative told me that it is my fault for making Chase bank checks bounce. 
Bellow is the listed issue. I have notified XXXX in this about this. 

Chase bank charged my account a payment of XXXX $ on XX/XX/2019. When the Mortgage is paid in full on XX/XX/2019. The chase bank bounced the check on the customer and made the customer own the check fee. The second is the check should not be short the mortgage to the customer and should be accounted exactly by the chase-banking department. The customer has paid the balance in full on XXXX XX/XX/2019, customer got charged by Chase amount of XXXX $ do this day. The customer has called Chase bank to solve this matter ; Chase customer service told customer that it was their fault for chase bank bouncing the check after the balance is paid in full, customer was charged a check bound fee, chase bank is committing bank fraud. 

Chase bank told me that it does not refund check that bounce, when the Chase bank was responsible for stopping payment in the first place. 
Chase is committing bank fraud by charging the customer bank fee, without their consent and notification. 

Refund the customer XXXX $ for the XX/XX/2019 payment, which was charged by chase after the customer paid the balance in full. 
Refund the customer {$5.00} check bounce fee in the poor accounting case by chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX  XXXX XXXX {$660.00} not mine

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 2019-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I received a bill from Credence Collection stating that I owe XXXX XXXX XXXX XXXX {$140.00}. That is not possible. Why? Because I returned all equipment to XXXX XXXX XXXX and I even received a VISA giftcard for approximately {$140.00} for amounts overpaid. 

I disputed the amount with Credence and sent them a certified letter with copies of my last XXXX XXXX XXXX bill which showed that I did not owe XXXX XXXX XXXX any money and that XXXX XXXX XXXX showed that I had a credit balance. 

I received a letter in the mail today that was dated XX/XX/XXXX by Credence. The letter states that XXXX XXXX XXXX verified that my charges are valid. I need someone to get to the bottom of this a fix this problem. Apparently, there is a lack of communication between Credence and the original creditor and Im the one who has to deal with the headache of potentially having my credit damaged for an account that I do not owe. 

On XX/XX/XXXX, I received a bill for {$300.00}. On XX/XX/XXXX, I received a bill for {$140.00}. Why two different amounts all of a sudden?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
This company is a fraud, Im starting to do a round up of signatures of people this company have messed up, this is the second time reporting this agency they keep calling harassing me after i have decided to give they broke car back to them, they closed the loan and still called and harsh me i got recorded conversation where the agency said the car was fix and then she came back in the same conversation and said that they didnt fix the car, but she also said they will give me a report on what was repair on the car i have attach the phone calls and copies of the recorded conversation on my credit report it shows a closed account and repossessed she claim they will repoen the account after the car was fix they have not sent over to me the report where the car was fix

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Sender entered information and submitted payment for immediate international money transfer. When recipient went to retrieve money, recipient was told that the account associated with the reference number was blocked. Same issue occurred when transaction was completed with cash. Since then, Sender has been unable to contact Moneygram to cancel the transaction and online features are unavailable through phone. IP addresses of laptop and cell phone are also tracked and blocked from certain features of the website and reference number is tracked to receive limited information over the phone when calling customer service. Reference number is routed in circles through automated recording even though availability of live person is addressed. Final prompts skip the option to speak to a live person when deemed appropriate. 

XXXX, XX/XX/2019, XXXX XXXX PST ( online ) XXXX, XX/XX/2019, XXXX XXXX  PST ( Walmart, XXXX XXXX XXXX XXXX, XXXX  XXXX, CA XXXX ) ; XXXX, XX/XX/2019, XXXX XXXX PST ( Walmart, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). 

XXXX XXXX XXXX XXXX XXXX, Industry Station Report No. XXXX, XX/XX/2019 ( regarding removal of money transfer form from vehicle when vehicle was parked in adjacent parking lot on XX/XX/2019 following in store transaction )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XXXX : On XX/XX/XXXX, XXXX / XXXX obtained a hard inquiry of my credit history. I have never had a business relationship with this company, ever. On XX/XX/XXXX and XX/XX/XXXX, SYNCB / XXXX obtained soft inquiries of my credit history. I have never had a business relationship with this company, ever. 
I investigated these two companies and discovered they are associated with Paypal. I have never had nor do I want a Paypal account. This company has no right to my personal information. 
I demand that XXXX/XXXX and SYNCB/XXXX remove all requests from my history.

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 2019-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-23 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: FL

Complaint narrative:
It's not my account and inquiries, i never applied for this. I believe, that somebody used my personal information and applied for it.

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 2019-12-23 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:
It's not my account and inquiries, i never applied for this. I believe, that somebody used my personal information and applied for it.

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 2019-12-23 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:
It's not my account and inquiries, i never applied for this. I believe, that somebody used my personal information and applied for it.

Company response to consumer: Closed with explanation