vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have a USAA VISA credit card because my dad was a XXXX XXXX veteran ( now XXXX and I am an XXXX ). It had a good credit limit that I could use in emergencies, like purchasing an airline ticket... but since my military veteran XXXX died, USAA dropped me because I am not in the military -- but reinstated me when I reminded them I am still a son of a military veteran. Interestingly, just like previous years when my military veteran XXXX was alive, I didn't use the card ( but kept it for emergencies ), USAA killed my credit limit to a measly {$500.00} and refuse to raise it ... claiming the credit card bureaus are giving them a very poor rating ( outright lie, see attachment ). I am retired, but currently have over an XXXX credit score by all XXXX bureaus, and have over a XXXX dollar net worth. All bills paid on time without exception. My retirement withdrawals from XXXX was reported to the XXXX to have over {$100000.00} income. USAA has XXXX reason to not increase the credit limit to where it was prior to my military veteran dad XXXX  As it is, I might be able to buy gasoline, but hardly anything more because of the extremely small credit limit. Ever since my military dad  died, USAA has been trying to get rid of me ( discrimination ). USAA refuses to tell me over the recorded telephone as to what the credit bureaus supposedly reported, but said they are sending me a letter stating the reason for their discrimination because I have perfect credit reports from all three bureaus. XXXX XXXX puts me at the XXXX score!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Noticed on credit report XX/XX/2021 disputed with the company and resolved but still reporting {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CONTRACT RESOLVE GROUP LLC
State: NJ

Complaint narrative:
On Wednesday XX/XX/2021 XXXX XXXX of Contract Resolve Group, LLC called to collect a debt. When we asked for verification of the debt he said he would send verification by sending a personal agreement letter. The letter they sent was fraudulent and not signed in person or via email by me or my wife. They proceeded call us XXXX, threatened to go to the IRS, take us to court and call us other names via email. All while sending these emails and having communication with our daughter. She is has nothing to do with this matter and she is being harassed via email by XXXX XXXX and verbal assaulted by XXXX XXXX. XXXX XXXX told her he was " going to come get her XXXX and XXXX '' that he was " going to send people to NJ for them '' and said he had XXXX. No formal police were contacted. We have not yet sent a cease and desist letter but we will to day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
I have contacted all XXXX credit bureaus challenging the factual and accurate reporting of this account that is showing up on my credit report XXXX...... i have contacted them XXXX times and each time it comes back as verified as accurate ... ..how is this possible when there are multiple inconsistencies in the reporting between the XXXX bureaus???? i have attached a copy of the report with all of the inconsistencies circled ... XXXXthey did not conduct proper investigations and are XXXX ME the consumer ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
I have contacted all XXXX credit bureaus challenging the factual and accurate reporting of this account that is showing up on my credit report XXXX...... i have contacted them XXXX times and each time it comes back as verified as accurate ... ..how is this possible when there are multiple inconsistencies in the reporting between the XXXX bureaus???? i have attached a copy of the report with all of the inconsistencies circled ... ..they did not conduct proper investigations and are XXXX  ME the consumer ....

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 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
contacted experian about an alert directly from them about an address and alias linked to my SSN. As well as some inquiries that did not belong to me which the company said experian needs to remove. But they refused to look into it because they do not send those alerts. I pay for credit monitoring for a reason

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
XX/XX/21 I received a text message : " Wells Fargo Bank Fraud Alert : Did you attempt a XXXX payment for the amount of {$3000.00}? Reply YES or NO or XXXX to Decline Fraud Alerts. '' I responded NO as asked. A male, identifying himself as a Wells Fargo employee, immediately called, explaining a XXXX transaction had been initiated from my checking account to a recipient with XXXX XXXX He advised we would need to attempt to contact XXXX XXXX to see if the transaction had already been completed. He sent a verification code from Wells Fargo. Placed me on hold, to contact XXXX XXXX, who also sent a XXXX XXXX XXXX Both codes were provided to the Wells Fargo employee. The male then walked me through how to open XXXX, create a profile under my name and number and stated, that he could only attempt to reverse the fraudulent monies sent, back to my profile we just created to reverse the transaction. He walked me through attempting to reverse the transaction, both transactions ( from savings and checking ) were completed under the belief I was speaking to a Wells Fargo employee walking me through how to recover my stolen money. When attempting to reverse the transaction I seen the name XXXX on the XXXX account instead of my name as we just created the profile under my phone number. He advised that must be the name of the fraudulent person and asked me for more details. After the transactions were completed, he created a dispute in the remaining amount. After the some time the call dropped. 
I called back in to Wells Fargo, and was advised all of the previous information was fraudulent activity. Initially, a claim was filed which was denied. Wells Fargo claims they do not cover any transactions made through XXXX. When contacting XXXX, they advised me to contact Wells Fargo as they only cover transactions made through their app directly, anything made through personal financial institutions should be covered through that bank directly. Wells Fargo has refused to cover the fraudulent activity, citing there was no fault on behalf of Wells Fargo. Wells Fargo claims that XXXX is a completely different organization, not covered under their XXXX liability program which ensures they cover fraud. My XXXX account is created through my Wells Fargo account, the transaction was completed through first opening my Wells Fargo app to get to the XXXX tab. This is very misleading information for the account holders who believe they have fraud coverage. According to XXXX, Wells Fargo should cover the fraud directly. 

By XX/XX/21 more fraudulent activity is now taking place on my checking account.

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 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RUI Credit Services, Inc.
State: CT

Complaint narrative:
I got a letter from RUI collections. They said that I owed over {$9000.00} on an account that I never would have. I am a XXXX veteran and my wife through state handles the utilities. My wife collects XXXX including XXXX XXXX. This account is either fraud, part of identity theft, or at a minimum a mistake. I want collection activities to end immediately and company has called to threaten me with having my credit ruined!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: PA

Complaint narrative:
I am XXXX XXXX I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2021-11-30 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:
Im shocked when I was checking my credit report. Why I see this negative information. Why you put it on my name. I never apply for it. I dont know how to live right no and Im nervous. I cant even sleep. I believe someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TN

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 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: PA

Complaint narrative:
I reviewed my credit report after having my identity stolen again and I was shocked to find this particular account that is being reported by your company and damaging my name. I am expecting this letter to resolve the issues I have. I am a protected consumer. Your company is currently in violation of the following laws. This acocunt along with the Identity theft as well is causing more chaos on top of a divorce. I need this deleted immediately off my consumer report. Per Under 15 U.S. Code 1692d, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to : 1 ) the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Also 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. And 15 U.S. Code 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As stated above this collection is damaging my name and is defamation of character, which can in turn entitle me to monetary compensation. I am trying to fix this situation with you NATIONAL CREDIT ADJUST first. 
I am attaching my Identity Theft affidavit which was submitted through the FTC and submitting it per request. I hope this is all the information needed to get this matter situated properly and taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: IN

Complaint narrative:
On or around XX/XX/XXXX I received an email notification that I had a package ready for pick-up at XXXX. I was confused as I had not ordered anything and the label said " Hold at Location ''. The box contained an XXXX XXXX XXXX XXXX, which I did not order. 
I contacted the company that sent it, which is XXXX XXXX XXXX. They did not have an account for me and had no idea why I was sent a phone. Since the Federal Trade Commission states items not ordered but still sent can be kept or sold, I sold the phone on XXXX XXXX, XXXX. 

On XX/XX/XXXX I received a letter from a collections company named XXXX XXXX XXXX saying I owed {$1300.00}. Letter says original creditor was XXXX XXXX XXXX and the current company that owns the debt is now Security Credit Services LLC. 

I called my local Police department on XX/XX/XXXX and filed a report. Police officer advised it sounds like ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA has just taken an adverse action which is prohibited pursuant 12 cfr 1026.13 by reporting that I have utilized a false amount of my credit.They have not validated any alleged debt or responded to any of the documents I have sent or requested.they have also not responded to my affidavit or provide any evidence to support any alleged debt they claim I owe.have notified them of multiple billing errors pursuant to 12 CFR 1026.13 and TILA regulation Z. I have audited them requesting certain documentation and a full file disclosure both public and private pursuant to 15 usc 1681g, 15 usc 44 and irs publication 583 to further clarify and address my billing errors and see how much is really owed.adverse actions are prohibited pursuant to 12 cfr 1026.13 while Im in an ongoing billing error status and any creditor who takes an adverse action forfeits all rights to collect on the disputed amount and makes themselves subject to civil liability pursuant to 15 usc 1693m.theyre failure to also provide the requested documentation make them liable for criminal liability as well pursuant to 15 usc 1693n.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA Savings Bank is reporting an open account on my experian profile that I never initiated. I spoke with the fraud department XXXX XXXX of this year and they assured me the inaccurate information would be removed by the close of the week and I would receive some type of verbal or email follow up. Neither has been done and I am ready to press charges. The person on this case stated on a recorded line he sees what happens and that I was opened up by a XXXX XXXX a member with their credit union. It needs to be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
THE COMPANY, CONVERGENT OUTSOURCING, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. Whereas I believe them to be a debt buyer, CONVERGENT OUTSOURCING, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I have never signed a CONTRACT or PROMISSORY NOTE with the company CONVERGENT OUTSOURCING.

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 2021-11-30 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This is a continuation of former complaint ID : XXXX. After Barclays had credited all the fraudulent charges from XXXXXXXX XXXX {$850.00}, and given me a {$5.00} credit XXXX XXXX in their statement dated XX/XX/2021, I closed the account ending in ... XXXX, which Barclays acknowledge in a letter dated XX/XX/2021, and distroyed my card. I assumed at this point no further charges could be added, but yesterday, XX/XX/XXXX, I received a statement from them showing I owed {$170.00}, a {$180.00} fraudulent charge, again from XXXX XXXX, made XX/XX/2021, minus the {$5.00} credit. As I write this complaint, I have been on hold with Barclays for XXXX minutes. 

How do I fix this so I will get no further fraudulent charges and totally disassociate myself from Barclays and never hear from them regarding this account. This account and Barclays has tied me up for hours due to the bank 's incompetence in handling this matter and seemingly making it very difficult to report fraudulent transactions. 

Before completing this complaint, after XXXX minutes on hold, XXXX (? ) at Barclays agreed to have the charges reviewed for fraudulence. But I still want this followed up by the CFPB. 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 monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I withdrew XXXX Ether from my Binance.us wallet to my XXXX XXXXXXXX. On XX/XX/XXXX. I withdrew XXXX Ether from my Binance.us wallet to my XXXX XXXX. This is important to note because with in the hyperlinks below you can see the transaction occur from wallet id : XXXX ( which is a Binance.US wallet ) and not my actual Binance.US wallet which is XXXX. My XXXX XXXX is XXXX. 
Stated Transaction XXXX XXXX XXXX XXXX Stated Transaction XXXX XXXX : XXXX I've stated the above for two reasons, the first of which is that Binance.US is staking my ETH without my consent and earning yield on my assets. The second is, when I tried to transfer my ETH back into my Binance.US account it went to the wrong address which is a Binance.US custodian account and not my personal Binance.US account. This address is the one provided to me when I scanned the QR code in my account. Binance.US has confirmed that this report is accurate, but they are now dragging their feet on crediting my account with XXXX Ether. This transaction 'error ' is noted in the etherscan web page below XXXX XXXX XXXX XXXX Can you please help me?

Company response to consumer: Closed with explanation