vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP
State: MD

Complaint narrative:
I had a XXXX credit card for years, paid never had a problem until I purchased an expensive television ( {$2000.00} ) in XXXX that stopped working after 6 month. XXXX would not fix the television and I was not paying the full amount for a television that didn't work. Fast forward to XXXX of XXXX my daughter and I had a joint an account with XXXX bank my daughter called me crying said telling me that her money was frozen for my garnishment from XXXX ( South Dakota ), XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX SD  XXXX. I had no idea this was happening at first the real confusion came with the fact it was XXXX. XXXX final gave us the information of who to contact Rausch Sturm, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX WI XXXXXXXX. It took us weeks to get through. When I finally got thru they were no help I never received anything from the XXXX XXXX Courts or from Rausch Sturm , LLP letting me know anything let alone be legally served with this garnishment. The amount taken was from the account was {$3000.00} the principal amount of the judgment was {$3000.00} they never sent conformation that the money was taken or received until XX/XX/XXXX when I finally got thru to them again. I was trying to refinance my home and it was stopped because of this garnishment of property. To this day {$540.00} is still being held by XXXX for the garnishment I contacted this Rausch Sturm, LLP law firm again asking that they please fix this situation consider I was never notified and they had their money but all they did was refile with the XXXX XXXX Courts to request for garnishment again. I don't understand why or how this is still a problem. This is causing me not to be able to go thru with the refi and has already went passed the date so they have raised the interest rate.

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 2022-02-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: TX

Complaint narrative:
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2022 and I have no recollection of doing any business with XXXX XXXX. I am in the process of contacting XXXX XXXX but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. 

The XXXX XXXX did finally respond to my complaint and they had a different number than what is being reported on my credit report. 

When I contacted them they said they do not have it and some come other company does and I have no clue as to who they are either and the problem is the numbers do not match and that it needs to be fixed. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I sent Bank of America a remittance coupon to pay my credit card bill.They ended up closing my account after they said they received the payment.They also closed my business account right Before they closed my credit card account.They never posted the payment which was sent certified mail on XXXX XXXXThey never spoke of closing the account they said your in good standing.

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, experian  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: WA

Complaint narrative:
arvast central mortgage company resent a payment several months ago for not having enough in the account but when i spoke to the bank they showed there was more then enough money in the account. ever since then i have to call since they would allow me to set up an online account and whenever i try to pay they always take several days to actually call back over a payment when i call there line another department answers and says no one is available and this happens for the past five months now. to even get to pay they wouldnt let my grandma pay due to her demtentia and not being able to remember her info for the account but wouldnt let me pay either. they requested i send power of attorney to an email which i did was requested and was told to wait like two weeks for it to be added never got a call back. so when i did call back i asked whats going on and they said they never heard of that email i sent it to and gave me another one so i sent it again and was told to wait. never heard back again so i called and was told this time they dont take that through email and had to mail the letter. I seen where this was going so i sent it certified mail and seen that they got it waited a week to call and guess what they said they never got it. I let them know very well there company had the file and had evidence to prove it and if i didnt get it added since they were going to forclose on the house i said well i think im going to have to contact a lawyer and the last thing i sent was proof of tracking and that they did have it and that was it and then somehow they found it pretty fast and was added to the account to take a payment just seems a little odd that i had too say i was getting a lawyer and then they happen to find it pretty fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX. I am contacting you to delete the following information from my file. These accounts are not mine. The accounts and items that I need deleted are listed in the report. I am just devastated. I did not make any of these charges. I have been a victim of identity theft. I ask that the items be deleted to correct my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Our XXXX XXXX XXXX Report dropped significantly. We traced the amount to XXXX XXXX XXXX. An amount of {$450.00} was sent to Convergent Outsourcing Inc. for collections. This amount is still outstanding. XXXX XXXX requested that we file an identity theft report to the police and to you. We have never had any dealings with XXXX XXXX. This is a fraudulent claim. Someone had access to my SS #. I am filing a report to the police department.

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 2022-02-28 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a text from a Wells Fargo number on XXXX, asking if I had initiated a XXXX transfer to XXXX XXXX in the amount of {$3500.00}. I replied NO, and then received a call from a Wells Fargo number ( XXXX ) on the same day. The person went through all of the typical " prove who you are '' information, by sending a text to my phone. Then they said I needed to " receive '' the XXXX payment back to myself. So, they had me transfer via XXXX {$1000.00} & {$1000.00} to myself @ XXXX. The following day ( XXXX ), I received another call from Wells Fargo stating that the investigative team had shown that my on-line account profile had been breached. They stated that I needed to move money to the new on-line account that they were setting up for me. So they had me wire transfer {$24000.00} to the " new '' savings account to my email address : XXXX to get my new on-line profile started. All seemed as if it was correct. On my way home from work, I thought I would stop by my local Wells Fargo bank in XXXX to see what further needed to be done to secure my new account. At that point, they told me it was fraud. I contacted the Wells Fargo Fraud Department later that same day ( XXXX ) to report the incident. 
Wells Fargo gave me a " provisional '' credit for the 2 - {$1000.00} XXXX transfers ; however, they said they could not do anything about the $ XXXX. I did find out that the $ XXXX wire transfer went to another Wells Fargo bank. Wells Fargo said they had to get permission from the receiver of the funds to return it & they could not contact them. 
I have filed a police report with my local XXXX Police Department - case # 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 2022-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation
State: IL

Complaint narrative:
I received a notification XX/XX/2021 that there was a remark on my credit for a medical bill. I never received any phone calls or a letter of debt validation notice in the mail. I had no information regarding the collector, the only reason I found out which company it was until I pulled my credit report and saw their information. I had no idea about this debt and I'm very upset I didn't even have a chance to verify if it was mine or dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX Inquired on XX/XX/2020 XXXX Inquired on XX/XX/202 202

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 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This was an original that with XXXX XXXX, it was a case of Identity theft. Valid the account was opened illegally and its not valid. Was sold many times over to collection agencies. I have been unable to remove this from my credit report for the last eight years. I have had collection agencies attempt to collect a debt that has never been confirmed! I have requested confirmation of debt none has ever been given!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I lost my income in XXXX since then I don't have any resources to pay my debt, aside from my husband XXXX payment from His military service. I decided to enroll in the debt settlement program which I signed an agreement to the program so they can settle the debt on my behalf the confusion is, the debt collector company Midland Credit Management Inc. changed the account number from the original account number, so they can continue a negative report to the credit bureau and the account still open until now even though the debt settlement company already settled the account. I guess this debt collector used this wrong tactic to punish me for not paying my debt, which is not my fault of losing my income. please solve this matter. as of now I don't any have communication with this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2022, I sent a dispute to the 3 credit bureaus and they have not responded with any dispute updates and has NOT provided notice of dispute either which is a violation of the of 15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.

also Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) you must delete the inaccurate or incomplete unverified within 30 days.

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2022, I sent a dispute to the 3 credit bureaus and they have not responded with any dispute updates and has NOT provided notice of dispute either which is a violation of the of 15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.

also Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) you must delete the inaccurate or incomplete unverified within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXXXXXX XXXX  XXXX Balance {$1200.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$740.00} XXXX XXXX Inquired on XX/XX/2020 TXXXX XXXX XXXX XXXX Inquired on XX/XX/2020 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 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I received multiple mailers and emails and messages in my established Capital One account saying I was eligible and qualified for a {$200.00} cash back bonus if I applied for their savor XXXX card. I made my decision to get the card based on this because money has not been very good the last few years and I figured I would increase my credit limit and also get some actual money back. It definitely advertised I would get the {$200.00} and I was given no warning it did not apply to me when they approved me for the card and no chance to decline the offer based on this. I needed to spend {$500.00} within the first three months of having the card and I did so. After 3 months went by and I did not receive the {$200.00} I had to call an email multiple times and finally I received an answer saying it was not included in my agreement and I agreed to it. I think it's really difficult to sift through all the fine print and notice something missing or something stating you're not getting something for the average credit card user who is not a lawyer. I think this is a bait and switch tactic and when I got on the call with the rewards center the guy told me he gets a lot of calls about this and so I said don't you guys think it's an issue if a lot of card holders are saying the same thing? And he agreed with me and he said he would forward the transcript but still I did not receive the cash back. No way to escalate it beyond them and no way to speak to a manager because of their arbitrary rules designed to make it difficult to hold them accountable for their false advertising. It just really seems like a bait and switch and false advertising. It said I was getting the bonus It seemed very clear I was getting it and then they did not warn me I would not be getting it and give me an opportunity to decline the offer. I think there should be some way too hold them accountable as right now I feel like there's not much else I am able to do.

Company response to consumer: Closed with explanation