vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am requesting that collection agency remove chargeoff from my credit report as I have already paid debt in full. This is compromising my opportunties to get new credit. Below is the collection agency information. 

TRANSWORLD SYSTEM INC/ Original creditor : XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 100 % Balance on XX/XX/2021 Original balance - {$3500.00} Payment Info Original balance {$3500.00} Balance - Status Paid, was a collection account, insurance claim or government claim or was terminated for default Status date XX/XX/2021 Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX XXXX account # XXXX -- XXXX -- XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

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 2021-11-18 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: AL

Complaint narrative:
THIS IS NOT A DUPLICATE. I HAD TO REFILE MY COMPLAINT DUE TO THE COMPANY 'S RESPONSE. I REMOVED MY POWER OF ATTORNEY SO THEY CAN PROPERLY INVESTIGATE MY ISSUE. HERE IS MY COMPLAINT : We received your complaint. Thank you. 


I have reached out to Experian several times over the past two years about inaccurate information being reported on my credit report. All they have returned is correspondence reporting that the information is accurate. Due to this I became increasingly frustrated and decided to study the Consumer laws specifically XXXX XXXX XXXX XXXX. I was amazed to learn how unfair consumers are being treated in their daily activity. I learned in my sitution that Experian was violating XXXX XXXX XXXX XXXX ( a ) which says : ( a ) Communication with the consumer generally : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They are communicating information given to them that I never consented to them housing or recording. My Private information that never had my consent to be shared. I also realized that I never consented to Experian reporting information based off of my tax Id which is my social security number. I called the IRS and asked them do they have any interactions with Credit agencies to report credit information and the agent sternly noted that their is no such agreement. So I wondered how do these agencies even get my SSN number since I never expressed consent to do so as this IS MY PRIVATE INFORMATION. I also understood that according to XXXX XXXX XXXX XXXX that Experian was in violation of this law by communicating with third parties without my express consent. I have three businesses that I was trying to get started and I applied for XXXX loans for each of them and was denied due to Experian reporting information that I never consented to them reporting. Based on how I have been damaged, and based on these Consumer laws, I sent Experian an invoice for the damages that I have received based on their unlawful reporting. I provided them with an Exhibit for each violation. I also provided them with a copy of an XXXX search showing that none of the creditors that they are reporting who are claiming that I owed them a debt has a lien on such claimed debt which proves that they are Inaccurately reporting to Experian.

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 2021-11-18 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: FL

Complaint narrative:
I was taking advantage of due to Malpractice while several laws were broken under the FCRA by your company. Due to this malpractice i have been unable to apply for credit and financially injuring me and hindering me from the ability to apply for credit. I have asked for Validation from Equifax which was ignored when i asked for Validation, Original Instrument of Indebtness, Original Contract, How it was " verified '' and why this innacurate account is on my Equifax and let alone not on XXXX or XXXX. This has dropped my scored XXXX  points and has a bad mark on my report. During the Pandemic i was taken advantage of and my credit reports were marked with negative " late payments '' which was under the Cares Act, previously and even after my payment history was and has been 100 % on Time Payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello CFPB! I just want to start by saying thank you for your time and consideration. The reason for this complaint is because my bank Wells Fargo, has denied a claim for a spending spree on my Wells Fargo card. Now it is just downright wrong to call and lie about a fraud and in my case I did not do that. I did not spend the money took out of my account. The reference number for the fraud claim I was given is XXXX. I was charged to my card for food, alcohol, and apparently some tickets to somewhere. The days these transactions were made I was at my sisters bday party and have proof of so. I also had a XXXX $ charge for XXXX and when I called them they had no records of the charge and told me to call the bank to put in a claim asap. Unfortunately for me, it got denied. I called and asked why it was denied and they said they couldnt give me a reason that it just was. I was only suggested to close my account. I got no help at all and hope that moving forward I can get help. The transactions I disputed were seriously not me and its honestly spiteful that a large bank like Wells Fargo is declining a small claim of XXXX $ when its nothing to them, but a large amount for me to have taken out my account without my regard.

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 2021-11-18 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: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things 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 XXXX ( a ), 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 as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accelerated Financial Solutions, LLC
State: GA

Complaint narrative:
Stating from XXXX XXXX XXXX, I'm a consumer, it means any natural person obligated or " allegedly '' obligated to pay any debt. I, the consumer would like for you to verify this alleged debt that you have placed on my credit report. I do not have a contract or agreed that I will be paying this alleged, stating from XXXX CFR XXXX ( f ), it says a contract any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. I would like for you to provide the following for me : -What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state -Provide me with your license numbers and registered agent or agent of service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On today I received an Alert from Equifax Credit Reporting that there was several hard Inquiries on my Credit Report attempts from XXXX XXXX Bank. I have never applied for an Open line of credit from XXXX XXXX. I have a Bank I have being dealing with since 2004, and my line of Credit is open with my Personal Bank. I do not know who tried to open up a line of Credit in my name, but it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: Siggi LLC
State: GA

Complaint narrative:
I have sent debt validation letters to all three credit bureaus. I have also sent letters to OMNI FINANCIAL in regards to a debt owed with the balance of XXXX I have sent letter in XX/XX/XXXX and XX/XX/XXXX. I have even disputed this matter on the XXXX website. The Account balance and date last active is inaccurate across all three credit bureaus. According to XXXX XXXX XXXX XXXX. I have the right to dispute inaccuracies on the credit rmy credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XX/XX/2020, I received a letter by mail stating I owed a debt and that was an attempt to collect this debt. Healthcare revenue Recovery Group ( HRRG ) is the company stating I owe this debt. I will be sending a similar letter to the major credit bureaus as well. I have sent two letters to them and I have still not received a response from them and it will be a month from my dated letter, and I have not received a letter or response from either company. This is not fair as these companies are reporting these debts on my credit report, harming it without validating and proving this debt belongs to me. 


I have asked them to validate these letters. They do not provide the information I am asking of them. I have sent them a failure to validate that this debt belongs to me. I have attempted two times. One gives them 30 days and the second time gives them 15 days to gather their information as they are failing to validate this debt.

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 2021-11-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank Statement Date : XX/XX/2021 - XX/XX/202 New Balance {$9500.00} Payment Due Date XX/XX/2021 I paid the above new balance, plus other charges. XXXX credited on XXXX, amount XXXX. On XX/XX/XXXX I paid {$42.00} for one remaining charge. Both payments were on or before the payment due date. On XX/XX/XXXX interest charged of {$77.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18 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: NC

Complaint narrative:
I disputed a account on my credit report and after the investigation the account was deleted. But then was reinserted, and know that it is illegal for them to do that. I would like it to be deleted and stay deleted.

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 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX there were a total of 5 charges from XXXX XXXX XXXX XXXX Bank of America Credit card totalling {$340.00}. I went to the bank in person on XX/XX/XXXX to report the fraud, the branch associate and I spoke to the fraud department by phone and I was advised to begin a fraud claim using my banking app ( I did that while I was at the bank ). the charges were reversed initially, my card was cancelled and a new card issued. Then, On XX/XX/XXXX and XX/XX/XXXX on my replacement card, there were 4 more XXXX Trips charges totalling {$300.00}. I called to report this continued fraud, and BOA added a freeze for any future XXXX Trips charges, and these fraudulent charges were reversed. In the meantime, Bank of America ADDED BACK the XX/XX/XXXX and XX/XX/XXXX uber trips charges onto my credit card stating that the charges were reasonable and consistent with my use of XXXX Trips and my credit card. 

I filed a written appeal to be sure that all charges are removed from my card ( the XXXX charges and XXXX charges )- I sent proof of my whereabouts thanks to my state farm safe driver app - showing that I was driving myself around on the days in question - NOT using XXXX. I provided my XXXX trip history dating XX/XX/XXXX - present, which shows an average monthly use of about {$5.00}. Additionally, I have not even used XXXX since XX/XX/XXXX and none of the charges in question appear on my XXXX history. 

Upon their review, Bank of America NOW states that " while you personally didn't make the charges, we confirmed it was made by an authorized user on the account or someone who has permission to use the card. NO ONE uses my card, except for me, and NO ONE has permission to or is authorized to use my card except for me. They consider the case closed and say I have to pay the XXXX charges in full plus interest and or penalties if the account is not kept current ( I keep my account current ). the XXXX charges are still under review. I want to be sure they are considered in the request for assistance as well, as I fear the same outcome on that claim.

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 monetary relief
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Please review below is the contact information. 

SOURCE RECEIVABLES MNG Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$520.00} {$520.00} Payment Info Original balance {$520.00} Balance {$520.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/2021 Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: VA

Complaint narrative:
Binance.US a cryptocurrency exchange, has taken my account hostage for 45 days, regardless of my correspondences they have not helped me and are ignoring me! and seems like many thousands like me now. 

*All THEY HAVE TO DO TO HELP ME IS : ADD MY NEW CELL NUMBER TO THEIR SYSTEM ( since my cell number has changed ), SO I COULD ACCESS MY ACCOUNT. 20EMAILS AND THEY ARE NOT DOING IT! 

I have completed " Identity Verification '' steps needed. One of which is to upload a valid photo ID of yourself and have the data be reviewed and validated. I completed those steps in XXXX of XXXX I have reached out to the organization *multiple* times, have filed a previous complaint here at the XXXX, and have exhausted my resources to find a solution. My immediate concern is that I have over {$7000.00} in funds on the exchange -- which is a large amount for myself -- and it is being held hostage due to the incompetence of XXXX. 

I believe this to be fraudulent and illegal. I'm not the only one. I've read plenty of other users experiencing the same, ongoing, woes. I'm asking for a resolution + compensation for the neglect and ongoing waiting period to access funds that are legally mine, being held up by this corporation. I will be filing a civil claim against said company unless a swift & satisfactory resolution is met. -XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I listed an item on XXXX XXXX for sale. To be clear, I am not a business - just a guy who had an extra computer part to sell. A buyer approached me, we agreed on the price of {$670.00}, and he paid me using Paypal. I handed off the item as discussed, but later on in the day, the buyer disputed the transaction with Paypal, claiming it was unauthorized. 

Paypal then slapped a negative {$670.00} balance in my account. I provided the XXXX conversations discussing the sale, as Paypal requested. They then took a month to get back to me. When they did get back to me on XXXX XXXX, it was again a request for more evidence. They gave me a deadline of XXXX XXXX. I began gathering evidence and I filed a police report with my local PD. 

Then, on XXXX XXXX ( three days after giving the XXXX XXXX deadline ), Paypal told me my case was resolved in the buyer 's favor. I told them repeatedly that they had not held up their end of the deal, since they had told me I had until XXXX XXXX At this point, I realized that every time I was talking with Paypal XXXX it was with a different person who either didn't have access to previous conversations or did not care to read them. Each time I engaged with Paypal online, it was as if I was bringing the problem to their attention for the first time. At one point, Paypal customer service even accused me of being the one who disputed the transaction when clearly I did not. It showed me that they had no understanding whatsoever of the issue and just wanted to clear out their inbox. 

On XXXX XXXX, I had a call with a customer service representative named XXXX. She repeatedly told me I did nothing wrong, and was sorry that I had to deal with this. At this point, I thought I was in good shape because Paypal was telling me I did nothing wrong. Except they never wiped the debt and they bungled the admin dealing with the case. 

Paypal did re-open the case, which is currently pending. That said, they closed the old one in the buyer 's favor. So, now I am getting multiple calls daily from Paypal 's collections department, harassing me to pay this {$670.00}. This is a huge deal for me, not just because the calls are annoying, but because I hold a government clearance. Financial issues such as unpaid debts are a huge factor in determining people 's clearance. 

I am a XXXX XXXX  and current servicemember in the XXXX XXXX. As an XXXX in the XXXX, I am not predisposed to lie, cheat, or steal. I don't understand why Paypal would even offer me the opportunity to present evidence if they were so willing to resolve in the buyer 's favor and send me to collections. I feel alone in this fight and afraid that I will have to cough up {$670.00} in order to clear my name. I was the one who was wronged and yet I am the one who is paying for it now. Please help me.

Company response to consumer: Closed with non-monetary relief