vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Midland Credit Management is sending letters to me and they claim that i owe them XXXX XXXX According to the information provided by them i was resident in California and opened a bank account with an address from California- but IT WAS NOT ME, i never lived in California, i have never even been in that state in my life. I lived in XXXX, XXXX  XXXX and XXXX  states only ( I live in XXXX state for about the past XXXX  years ). I did not own the bank account that they claim that i owned. I have no clue how and when my personal information was stolen, it seems that someone stole my ssn, opened a bank account under my name by providing an address from California, again i have never lived or been in CA. I did not open the bank account that they claim that i owned and did not borrow any money from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Card is not mine, I never applied for it. Card belongs to spouse and are currently separated. I would like proof on where I applied and signed for that card.

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 2022-09-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Multiple accounts listed by XXXX Equifax and XXXX XXXX regarding XXXX XXXX XXXX XXXX. That account was part of a line of credit. XXXX  foreclosure. I have asked them to remove and they took revenge and duplicated it on my wife XXXX XXXX and my ( XXXX XXXX ) credit reports. Thier is also multiple hard inquries which i asked to be removed or provode proof of signature on an application. XXXX have failed to remove or assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC
State: MO

Complaint narrative:
Carvana has denied extension of my credit which is a violation of XXXX of Consumer Law. They are refusing my credit transaction as a Finance Charge state that it's the sum of all Charges. XXXX, which is the supervisor, stated I was approved for the vehicle & now partially approved if I pay them {$17000.00} which is a seperate transaction for the same transaction. 15 USC 1605

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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:
I filed a dispute regarding incorrect items on my report well over 30 days ago and I have not received any investigation reports/results. The dates for XXXX XXXX do not align and I have more inquiries than 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 2022-09-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I was arrested and incarcerated for a little over 10 months. I was released on XX/XX/XXXX. When I was arrested, my vehicle was impounded for approximately a month at XXXX XXXX located at XXXX XXXX XXXX XXXX, MD XXXX. It was picked up by mother and parked at my step fathers house for a short period of time. It was then moved back to my mothers house until I was released. The last place I had my card was inside my arm rest in my car. My stepfather told me when I was XXXX that he found a money order, my drivers license, other cards and paperwork inside of my vehicle when he had possession of it. He told me that he would put everything up in a safe place until I got home. When I came home and asked him about my property retrieved from vehicle, he stated that he would look for everything and get back to me. I eventually regained access to my beacon account and my Bank of America prepaid account. I then discovered that I was defrauded for thousands of dollars without my knowledge or consent. The total Bank of America said I was defrauded of was {$14000.00}. These unauthorized transactions occurred between XXXX. I filed a claim with Bank of America due to fraud activity and submitted all required documents needed to perform a extensive investigation. Instead I was denied several times without explanation. I was only told via mail that all the charges were accurate and my claim was closed. The investigation department made decisions without using all of my evidence provided to make a proper decision. I felt it was a lazy and rushed investigation. Bank of America had failed to provide me documents after requesting them regarding my claim. Those documents included pictures of the person using the ATM to fraudulently withdraw money from my account and and why my claim was denied several times.

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 2022-09-08 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: CO

Complaint narrative:
On XXXX and XX/XX/2022 I sent a letter to Experian regarding two accounts they are reporting inaccurately. They are reporting the payment status wrong. Payment status should be current payment status and they have completely inaccurate status. 
XXXX is closed and paid in full - they payment status should read- PAID AS AGREED. 
XXXX XXXX is current and they are reporting a delinquent payment status- should read " paid or current ''. 

They have not communicated that an investigation has even started in over 60 days. 

Ive included both letters I wrote to them as well as my credit report for both accounts with the inaccurate info highlighted.

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 2022-09-08 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:
Card is not mine, I never applied for it. Card belongs to spouse and are currently separated. I would like proof on where I applied and signed for that card.

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 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: NY

Complaint narrative:
I have XXXX ATM withdrawal from my card that I subsequently reported stolen to cash app support..for XXXX XXXX and XXXX respectively ... I am being denied because they say it is routine of some sort I did not make this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: TX

Complaint narrative:
I am a natural person ; I am a living human being I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below to be removed because, according to 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: DE

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

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 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a fraud transaction on my checking account where money was wired out by an unknown party. This occurred XX/XX/22 and I am still trying to resolve this with the bank. The bank indicated that they deny my request to get the money because I released information about my account. They indicated that I verbally approved this transfer. I just found out that the voice the bank had was not mine. They also said that I provided them with personal information which was not the case. I am trying to get a written transcript of the conversation.

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 2022-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Mr. Cooper Mortgage Company failed to pay insurance premiums to XXXX homeowners insurance from my escrow account. My home has been uninsured since XX/XX/XXXX because of their refusal to pay the premiums which caused XXXX to cancel my policy. XXXX will not issue a quote until Mr. Cooper pays the existing balance, which they state will take up to 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
This company contacted me on numerous occasions to try to collect on an old debt. XXXX became very angry when I asked how old my debt was and also when I told her I refused to pay the fees of them trying to over charge my debt that was old. She was very aggressively told me we would go to court and I'll be sued. 

Back in XX/XX/2022 XXXX from the same company continuously harassed me on collecting. He made very rude judgements about me and commented on my life style and not being able to pay my bills. Was harassing me verbally and being verbally abusive. Threated I would get sued and learn my lesson when my wages get garnished. 

Not only am I having to deal with the rude debt collectors they are trying to collect on the debt of my old employer who I'm also getting harassed by because I left them at 5 years.

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 2022-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/2022, Navient called both my father-in-law and my sister-in-law. I don't even know how they got theirs names or information. My name is still legally XXXX and do not go by XXXX. It is 100 % inappropriate for them to be calling any of my family let alone my in-laws. I have made the request for them to stop and that I am reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
O n Thursday XX/XX/2022 I received an email from PayPal that I have an invoice for {$560.00} USD from a digital currency company called XXXX. I did not participate in any transaction with XXXX and did not make any purchases of digital currency. I canceled the invoice through paypay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-08 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: ProCollect, Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I received an alert notification email about my credit report. I submitted the consumer inquiry on www.procollect.com but didn't get any response. So I got on www.procollect.com web chat with the agent. The agent informed me that I have an account for the XXXX XXXX XXXXXXXX account # XXXX in the amount of {$120.00} + {$7.00} collection fee. The letter was sent to me at the address, XXXX XXXX, XXXX, TX XXXX. Even so my balance in full is due in procollect office later than by Monday, XX/XX/2022 or collection efforts will still continue for my 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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Possible Financial Inc
State: TX

Complaint narrative:
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: NC

Complaint narrative:
I have contacted XXXX XXXX several times concerning an account with them that the balance due is incorrect. The last communication was on XX/XX/2022 with XXXX XXXX at XXXX. I faxed my spreadsheet with backup to her attention proving I owed less than what they have credited me for. Also, I have been paying on this bill every month. 
The last communication is stated below : Attention : XXXX XXXX My spreadsheet listing every payment made to XXXX XXXX up to this point is attached, along with documentation from my bank showing you receive these payments. and the statement from Revco Solutions , Inc., I have fulfilled my responsibility by paying the set amount to pay that was determined by XXXX. I anticipate XXXX XXXX closing my account with Revco Solutions , Inc. and reporting any adverse comments to the credit bureaus that would impact my credit ratings. I also expect to receive a letter from XXXX XXXX stating that these demands have stood fulfilled. 
Furthermore, now XXXX XXXX has deleted my account out of their system so I can not make regular monthly payments as agreed upon. 
Sincerely, XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/2022, a customer of Wells Fargo Bank obtained a withdrawal from my checking account at the bank teller window. The cashier failed to verify the hand written account information, and funds were removed from my personal checking account because the customer used the wrong account number. I saw a " pending '' transaction on my account when reviewing it online that day and immediately notified Wells Fargo Bank. Unknown to me, the Wells Fargo Bank customer service representative incorrectly classified the bank error that should have gone to their fraud department, however, no action was taken for 2 days until I called to see what was being done to return the funds to my account. I was informed that another error had been made by not correctly classifying the problem and I would need to wait an additional 10 to 15 days for their investigation. The funds had not been returned to my account, and they have no plans to do so until the investigation is complete.

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 2022-09-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I filed a dispute regarding incorrect items on my report well over 30 days ago and I have not received any investigation reports/results. The dates for XXXX XXXX do not align and I have more inquiries than 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 explanation
Consumer complaint received 2022-09-08 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation