vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AZ

Complaint narrative:
I recently refinanced my house through XXXX XXXX  ( did not have a problem with XXXX XXXX ). They showed a debt of {$1300.00} and was told I would need to pay the debt and the money would be taking out of my balance from my refinance. 

The title company sent me a check for the balance of my debt of {$1300.00} ( that was taking from my balance ) and was supposed to send to ENHANCED RECOVERY CO L. The debt I was supposed to pay was from XXXX XXXX I've never had XXXX XXXX, I contacted XXXX XXXX and they confirmed I have never had a contract with them. 

ENHANCED RECOVERY CO L was just interested in collecting the money and did not care if I ever had a XXXX XXXX  contract or not. 

I'm in the process of contacting both XXXX XXXX and ENHANCED RECOVERY CO L. 

ENHANCED RECOVERY CO L has never contacted me about this debt, the debt goes back to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: NV

Complaint narrative:
This is not my accounts. I don't have a contract with this company, nor have I ever even spoken to this company.

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 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I was declined by Chase for a Chase freedom unlimed card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: NV

Complaint narrative:
This is not my accounts. I don't have a contract with this company, nor have I ever even spoken to this company.

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 2020-05-08 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: NV

Complaint narrative:
This is not my accounts. I don't have a contract with this company, nor have I ever even spoken to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
My bank closed my account 3 days ago. 
The app is still letting me log in and see my balance. 
DC department of unemployment deposited money into my account yesterday. 
Today I received a call from the hotel that the VA sent me a letter to go pick up. As soon as I walked into the hotel a debit of XXXX disappeared from my account. I dont own a debit card and they closed my account. So how did BB & t post a XXXX deduction from my account? BB & t stole this money according to the manager on duty cause they dont make reservations in person at this hotel.

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 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
On XXXX, I purchased an XXXX XXXX XXXX from XXXX store # XXXX, as part of new phone services. Upon return to my home in XXXX, I realize that there is almost no reception, so unable to make phone calls or use the data service. The next day XXXX, I returned the said phone back to the store and terminated the phone service. A return receipt was issued by the store. By XX/XX/XXXX, I began receiving bills from XXXX claiming that I owed {$870.00}, which was exactly the cost of the returned XXXX XXXX XXXX. I made numerous calls to XXXX sales and customer service to resolve the dispute. Customer service concurred that no payment was owed. Sales claimed the bill was valid. XXXX bill is sent to a collections agency called XXXX  XXXX XXXX, who sent me a settlement offer of {$520.00}. I wrote back to XXXX, rejecting their offer, with evidence of the phone receipt. They closed the file. On XXXX, I received notice from a second collections agency called Convergent Outsourcing asking me to settle for {$430.00}. Convergent also registered this debt in my credit report as collection delinquency. I wrote to Convergent with evidence of the receipt and received no response from them. I filled a dispute with XXXX  to address the matter. XXXX  completed the dispute by backdating the delinquency back to XX/XX/XXXX, even though they noted that the dispute qualifies for an FCRA. 
XXXX and Convergent Outsourcing have no factual basis to establish existence of this debt. All attempts to resolve this matter has been unsuccessful. The return receipt is attached with this dispute to show clearly that the store from which the transaction occurred received the phone and issued a return receipt.

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 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a credit card with Fidelity 2 % cash back At the start of covid 19, I was let go temporarily and notified them I may be late on a payment, however that was not the case, I made all my payments on time, and they reduce my original spending limit from {$25000.00} credit limit to {$16000.00} with no warning or no legal reasoning. I have never been late on my payments and I have good standing, I would like my credit limit restored to {$25000.00}.

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 2020-05-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax dispute XXXX XX/XX/2020 XX/XX/2020 PENDING This remains pending. I am a victim of ID theft, I contacted them by phone and they want me to mail my ID and SS # via unsecured mail. That is not correct, I have no issue submitting via a secure and encrypted link - but not in the mail especially both documents together that would be horrendous if it gets in the wrong hands. This has been way past the 30 day timeframe and it needs to be resolved. As per the law, Equifax must remove the accounts and notify the other credit bureaus for their removal as the investigation has passed the 30 day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, I restarted my router. Then I log into my @ BankofAmerica account. I was surprised that it asked me a lot of security questions as if it is my first time logging into my computer. I answered all questions like provided my debit card, security code and I did my online banking. After I completed my banking, I got a call from Bank of America, fraud dept, alerting me that it appears that I am logging from XXXX so they want to verify if I made a {$150.00} transfer and I verified I did that, transfer from and to my Bank of America accounts. The next day my son, veteran served for 6 years and full time XXXX XXXX  alerted me there is a $ XXXX transfer from our joint account that we both did not make. 
I filed for fraud claim immediately and I was told that $ XXXX went to a XXXX XXXX account done via online banking transfer. I waited for the 10 days for my bank to credit our account. After 10 days when I called for status I found out they denied my claim stating that they sent a safe pass code to my cell phone and the transfer was legitimate. 
I dont remember receiving a code that day but when I look at history of text, there was a code sent on my phone but I didn't authorize the transaction. I was telling them that I got a call that day from fraud department so it is evidenced that there are fraudulent activity/scammers happening that day with my account. But they are telling me that I need to show proof that my phone is hacked. Its a shame because I was a XXXX XXXX for 27 years, my son is in the military and this is money he earned from his service and we are not being treated fairly. He never touched this account and it just disappeared one day and Bank of America is not honoring our word that it was fraud. I have a police report and seeking help from the police to help with the investigation. I am very upset and having XXXX  over this matter and seeking any assistance. We are being called platinum customer, and the bank claimed they are providing World class service but not doing the right thing during this hardship. I would appreciate any help out there. Case # XXXX Bank of America XXXX XXXX Check & Digital Fraud Claim  XXXX XXXX XXXX  XXXX XXXX, TX XXXX Police Case Report # XXXX XXXX Police Station

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 2020-05-08 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: SC

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

-- AUTO ACCOUNTS 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-05-08 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: NC

Complaint narrative:
The Credit Bureau, Experian, is reporting an inaccurate, incorrect and insufficient debt as of XX/XX/2020 for {$18000.00} listed on my credit file from XXXX XXXX XXXX. I do not owe this debt and I have not received any type of written notification of this debt prior to this debt being placed on my credit file. The attached student loan breakdown is the same from the school and has been in good standing, never late as report but Experian has them both confused. 

The collection agency : XXXX XXXX XXXX sent a notice to Experian on XX/XX/2020 to close this debt because they could not validate this debt with the school. The school would not give them any information to validate where this debt is coming from and who its for so their policy is to close the debt. 
Experian closed the wrong account and closed the student loan to XXXX instead of the collection debt to XXXX. Please correct ASAP!

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 2020-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I was mislead by a seller and sent money on XX/XX/2020 to a individual for merchandise and shortly after sending the money the seller disappeared. I reached out to the company and they said they can not help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
I tried reaching out to this company. They claim I owe a debt. I spoke with the original creditor and explained that I never got any bills, invoices or otherwise delivered to my home or email. I was never called regarding any missed payments. As a result, I have come to a resolution with original creditor. I never owed Collection Bureau of American any funds nor did I have a contractual obligation to this company. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation '' ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. It is illegal for your company to report a status, on my credit report, as paid when the payment was not made directly to your company. I would like the account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: UT

Complaint narrative:
I had a unsecured loan with XXXX XXXX XXXX XXXX. It was charged off and sold to Jefferson capital systems llc. We worked out an agreed upon settlement to pay off the debt. I reached out to XXXX to see if we can change the charge off status. They told me they no longer have anything to do with the loan and to reach out to Jefferson capital. Jefferson capital said once they received payment they will notify the credit bureau that the loan has been paid off. So far it still shows as charged off no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
This is not my debt with XXXX XXXX! My Identity was stolen and I will be writing a letter to you to have this account closed and ceased collections. I need you to instruct the 3 major credit bureaus XXXX, XXXX  and XXXX  to delete and remove this account. It is a pandemic and this company is trying to collect payment from me, when I can't even collect toilet paper from the store. I find it highly unethical during these times people are selling " alleged '' debt. I will be filing complaints with the XXXX, CFPB, FTC and any other company that will accept complaints until this account is deleted completely! I will remove complaints and negative reviews once the company sends letter stating that they will delete and remove these accounts and contacted the reporting agencies if it has or was going to report to my credit. 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 2020-05-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: MD

Complaint narrative:
XX/XX/2020 I have not received bank card when I called ( 3 hours wait on hold ) to inquire about card they charged me for a card i did not receive. I asked to have another card be issued and paid for express ship overnight I was charged XXXX plus XXXX for replacement card The card was to arrive overnight. It was not received I called again 2.5 hours wait on hold and was told the card was shipped XXXX but they could not provide a tracking number. Four days later I received a card by XXXX  When I tried to activate the card ( 3 hours on hold ) I was told the card had been deactivated and would have to request yet another card I have been without my money and have no funds or anyway of getting access to my money I have read that this has happened to hundreds of others They need to be sanctioned for holding peoples money not sending bank cards and charging for express delivery

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 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a Credit Card in good Standing with Barclay Bank  XX/XX/XXXX Barclay sent an advertisement for Balance transfer at a low interest rate. I accepted the deal. Several weeks past and the balance transfer was never completed. Per Barclays documented turn times The transfer takes place by the end of the next working day. I figured the Transfer was not approved. XX/XX/XXXX I accepted another offer from XXXX and applied for the balance transfer XX/XX/XXXX XXXX Transferred the requested {$6000.00} The end of XXXX I noticed a positive balance on my credit card when investigated where it came from it was the Balance transfer from Barclay. When contacting Barclay it is brought to my attention that this was not in addition to my current account it was a new credit card account with a {$500.00} Annual fee I told them that was not what I thought it was and I would transfer the balance back to them and I wanted the account closed. They said it was no problem and apologized for the error. Barclay admitted that is was their error and the initial applied for Transfer did not get processed and they had a delay in their system somewhere. Again they assured me if would all be taken care of. 2 months later I get a notification my credit score has declined. Low and behold its Barclay trying to collect a balance transfer fee, late fees and a {$500.00} annual fee on a closed account an account that was closed immediately not held annually. I once again contacted Barclay and was told they would take care of it. The late payment continue to show on my Credit for months Dropping my Credit score 200 points causing other accounts to be closed and credit limits to be lowered Barclay now had tanked my credit score. Seven more phone calls and a complaint filed with the attorney general the collection was removed from my credit report. 
I believed everything was taken care of. Not one call not one letter from Barclay was ever received regarding this credit card account. 

Fast Forward XX/XX/XXXX I apply for a home loan and I am told my score is to low once again XX/XX/XXXX Barclay re-reports the fees as a new charged off account. I have made several attempts to reach out to Barclay to no avail my last Call I waited on hold for 2 hours no-one ever answered.

Barclay did not process in their own documented time frame. Once I saw the transfer I immediately transferred back to them and closed the account. Barclay misrepresented the credit card. This is their mistake and I should not be held liable for any fees/late fees and it should not be reported on my Credit report. I pay my bills on time.

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