vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 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: LA

Complaint narrative:
I recently filed a dispute regarding the inaccuracy of this account and they responded but not directly to my dispute. i filed a Chapter XXXX bankruptcy in 2018 a Relief of Stay and a motion of Relief was ordered by the Bankruptcy Court and XXXX XXXX was ordered to pick up the vehicle and instructed to sell the vehicle or whatever they do with it and I be held responsible for the left over balance and that did not happen. XXXX XXXX is holding me responsible for the full balance of this vehicle when they allowed a 3rd party to repossess the vehicle then XXXX XXXX did not pick the vehicle up from the yard even after someone called them and told them the car was there. XXXX has phone records showing where they advised the Yard owner to keep the vehicle and he did, now they are charging me. The vehicle was not in my possession nor my responsibility after the courts ruling. 

SEE ATTACHED RELIEF OF STAY AND MOTION TO RELIEF

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 2021-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I received a call from a collection agency stating my Kohl 's account had been sent for collection. Didn't think I had a delinquent account, thought it was a scam. I have had an account with Kohl 's for 14 years, always paid on time and in full. I contacted Kohl 's they informed me I was late two months and my {$47.00} charge was now {$100.00}. I questioned why I didn't receive a bill or late notice. They said I was being electronically billed. Which I had no idea was happening. Until this time I had always received my statements in the mail and paid them in full on time. The person I spoke with said if I paid the {$47.00} in full they would remove the late fees. I spoke with them again a few days later about the problem about getting the late fees removed. They insisted that I had been sent emails with statements of my account, they have a record of that, in fact that day XX/XX/21 another had been sent. I had not received any emails from them about an amount due or that my account was delinquent. In the meantime I discovered they had sent in a late payment to the credit reporting agencies my credit rating fell drastically. I called them asking that they correct that report and remove the late fees. The late fees were removed and the credit reporting was sent for investigation. I received notification today that the information previously furnished to the credit reporting agencies is accurate. They are unable to comply with my request to update this information with the credit reporting agencies. I maintain ... this is their error in not sending me a statement in the mail. I did not know I was getting bills electronically and never received any emails stating so. Had I been notified of an amount due it would have been paid in full on time. My credit score plummeted 92 points. I have had an excellent credit rating for years! I believe this to be an attack on my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2021, I submitted several financial accounts to EARLY WARNING SERVICES , LLC. Early Warning Services HAS INFORMED ME THAT some banks or financial institutions have answered my disputes REMOVING THEIR REPORTS. HOWEVER, EARLY WARNING SERVICES , LLC DOES NOT WANT TO PROVIDE ME THE RELEASE LETTERS. This morning XX/XX/2021, I made an appoinment with XXXX, who is an employee in that business for tomorrow XX/XX/XXXX at noon. This afternoon, XX/XX/2021, I was informed by phone that THERE IS ANY APPOINTMENT FOR TOMORROW, AND THAT I AM NOT ALLOW TO GO TO PICK MY LETTERS UP IN THAT BUSINESS. IN SHORT, EARLY WARNING SERVICES , LLC DOES NOT WANT TO PROVIDE ME THE RELEASE LETTERS FROM XXXX XXXX, XXXX XXXX, XXXX XXXX  ( TWO ACCOUNTS ), SO FAR. EARLY WARNING IS RETAINING ILLEGALLY THESE BANKS RELEASE LETTERS THAT HAVE BEEN SENT TO EARLY WARNING SERVICES SINCE ALMOST ONE MONTH AGO. I AM AFRAID EARLY WARNING IS PLANNING TO CONTINUE REPORTING THOSE ACCOUNTS ILLEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Synchrony bank, the issuer of my sams club credit card, issues rewards points based on purchases. Sams club closed my local store and I have no way to redeem these points locally. As an alternative since I have no local store, Synchrony previously applied these rewards as a statement credit and has done this in other years. This year when I called to make this request they denied the request, saying the rules have changed. I believe that changing these rules without notifying me is unfair deceptive and abusive. I should have been provided an opportunity to cease use of this card in 2020 and not earn these points.

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 2021-10-18 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: AL

Complaint narrative:
I have been submitting paperwork to the bureaus regarding fraudulent account and information on my credit report with little success. I am asking that you please remove the fraudulent accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  XXXX has done a hard inquiry without my authorization. My credit score has gone low due to this. I want this inquiry to be removed from my credit report asap. I an not looking for a house now specially this year. I am trying to better my credit and don't expect some company to run my credit any time. Please correct this.

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 2021-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: IL

Complaint narrative:
I HAVE ACCOUNTS THAT ARE NOT MINE CLOSED AT XXXX  XXXX XXXX AND XXXX. 

I ALSO HAVE A XXXX  XXXX COLLECTION THAT IS NOT MINE. 

FINALLY IDEAL COLLECTION SERVICES ABUSIVELY HAS ACCOUNT THAT I DO NOT OWE WITH MY WIFE AND THEY CALL ME CONSTANTLY AND HAVE EVEN THREATENED ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 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:
The following information are inaccurate on my credit report. 

XXXX  XXXX  XXXX XXXX XX/XX/XXXX AMT. {$7200.00} - DOES NOT BELONG TO ME XXXX/XXXX OPEN XX/XX/XXXX AMT. {$500.00} -DOES NOT BELONG TO ME XXXX  XXXX  XXXX  OPEN XX/XX/XXXX {$380.00} -DOES NOT BELONG TO ME XXXX  XXXX  OPEN XXXX NOT BELONG TO ME XXXX XXXX XXXX XXXX XX/XX/XXXX AMT {$660.00} -DOES NOT BELONG TO ME XXXX  XXXX  XXXX  XXXX  XX/XX/XXXX AMT. {$600.00} -DOES NOT BELONG TO ME The follow names and address are inaccurate on my credit report. 
XXXX XXXX -NOT MY NAME XXXX XXXX-NOT MY NAME XXXX XXXX XXXX XXXX # XXXX - ADDRESS DOES NOT BELONG TO ME XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX XXXX DOES NOT BELONG TO ME XXXX XXXX, FL 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 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XX/XX/2021 - Zelle payment was sent from XXXX XXXX  for {$250.00} and then another for {$350.00}. The payment was made for tickets in which in less than 24 hours, the seller blocked me on XXXX and did not give the tickets... The seller is still active on XXXX. and on XX/XX/2021 I contacted the person by email in which the responder stated that he knows nothing of the incident and would " find '' out what happened... did not get a response since then. And today, it is XX/XX/2021 in which Zelle and XXXX state that they are unable to do anything about it...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: AL

Complaint narrative:
I have been submitting paperwork to the bureaus regarding fraudulent account and information on my credit report with little success. I am asking that you please remove the fraudulent accounts!

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 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Phone stolen. Fraudster access personal information through the phone. This includes screenshots of identification, social security, bank info, email address, contacts, log in email, apps ( online banking with Bank of America, XXXX, XXXX XXXX ) just to name a few. In this case the fraudster XXXX all funds from all accounts with bank of america to a phone number. I immediately notified the bank of the incident and awaited them to process the claim. After 14 days of awaiting and yet no response I decided to give the bank a phone call and was told that they will not refund me my money until I obtain a local police report and a phone stolen report from my carrier. Therefore I am reaching out because I feel they are using this as an excuse because this was never stated since the beginning of the investigation. I was under the impression I was going to see my funds back into my accounts.

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 2021-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Please be advised that CMRE is attempting to collect the alleged debt listed on my credit report. I previously requested verification of debt and I did not receive any proof that this account belongs to me. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that CMRE absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed I am re-sending an Identity Theft Victims Complaint and Affidavit supporting my position, and a a copy of a Utility Bill to prove my residency during the time the disputed account was opened. As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Victims Complaint and Affidavit, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please close the account, remove the account from my credit report and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND I'M ATTEMPTING TO RESOLVE THIS MATTER WITH XXXX XXXX XXXX XXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

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 2021-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-18 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: GA

Complaint narrative:
TransUnion, XXXX and XXXX have consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with TransUnion, XXXX and XXXX and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws TransUnion, XXXX and XXXX has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise TransUnion, XXXX and XXXX to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. TransUnion, XXXX and XXXX should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. Once their reinvestigation is complete, I would like for TransUnion, XXXX and XXXX to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2021-10-18 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
THIS IS A REQUEST OF VALIDATION. THIS COMPANY HAS YET TO RESPOND TO MY PREVIOUS ATTEMPTS TO PROVIDE A CONTRACT SIGNED BY ME BETWEEN THEM AND I. NO DEBT CAN BE COLLECTED WITHOUT THE PROPER STEPS BEING MADE. PLEASE SE FCRA SECTION 609 ( A ) 1 a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been with Wells Fargo since the 1990s, and have also been in business since that time. This morning, I was solicited by a Wells Fargo Bank Personal Banker, in the branch, for a " Wells Fargo Business Credit Card ''. Although I immediately declined interest ( as I have enough revolving credit available already ), the employee tried to sell me on the fact that " this business card would build the business 's credit ''. Being very familiar with Wells Fargo 's " sales practices '' and their history of unethical credit sales practices ( for which they have been fined in the past by the U.S. government ) ; AND, my knowledge and experience with business credit, I expressed my skepticism to the banker. I tried to give her the benefit of the doubt, and allow her to address my reticence, but she became quite defensive, argumentative, and rude. So, I stuck to my declination, and decided to look into her claims later. I've now done that, and not surprisingly, she was lying through her teeth ( as I suspected ). According to XXXX ( since Wells Fargo does not make the necessary information readily available online ), like most retail " business '' credit cards, they " do not help build your business credit ''. The reason I am so upset, is because not only has Wells Fargo been punished for unethical practices involving their credit products in the past, but most customers are not as savvy about credit as I am, and I know that this dishonest practice has undoubtedly enticed countless others into availing themselves of this Wells Fargo product, for a promised benefit that is not available. I also know this is not an isolated issue, because I've received the same dishonest " pitch '' for this exact same product for decades, from employees in branches across the country. What made this occasion more objectionable, is the attitude that the employee had. Previous employees have acknowledged their lack of understanding and certainty about the false claim ; this one became defensive, argumentative, and rude -- another tactic that likely coerces customers of a different constitution. Since unnecessary credit has a tangibly negative impact on consumers, I believe that this issue ought to be adequately investigated by the CFPB, and that they should hold Wells Fargo accountable for the continued pattern of unethical credit sales practices ( since they clearly have not learned their lesson from the last round of fines ).

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