vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo has unfairly reported 60 day late payments to credit bureau. The late payments were due to false representation of the Pay Balance in Full functionality offered by Wells Fargo when I made a credit card payment. I made a payment of {$290.00} using the Pay in full button. Due to the fact that I used the Pay in Full button I believed my payment resolved 100 % of liability with Wells Fargo. However, Wells Fargo charged me {$2.00} interest 4 days after my balance was paid in full. The {$2.00} does not show up as a line item with a post/transaction date on any of statements but I believe it was generated on XX/XX/XXXX on the statement generation date. It is confusing and misreprentation to consumers to provide a pay in full button that does not in fact pay the liability in full. It is than unfair to say the consumer was 60 days late when in fact that consumer paid the balance in full. 

1. Based on a previous statement balance of {$93.00} a minimum payment of {$25.00} was due on XX/XX/XXXX. 
2. Additional purchases were made on XX/XX/XXXX in the amount of XXXX XXXX. XX/XX/XXXX a late fee was charged of {$25.00} based on the fact that did not make a payment 4. XX/XX/XXXX I used the pay in full button on the Wells Fargo website and paid the amount {$290.00}. 
5. {$2.00} was posted to my account as interest after I used the pay in full button. Pay in full should resolve the 100 % of the debt or the button should not be presented to me as a consumer. 
6. {$1.00} minimum interest fee posted on XX/XX/XXXX based on the previous balance {$2.00} new balance is {$3.00} 7. {$1.00} minimum interest fee posted on XX/XX/XXXX based on the previous balance XXXX new balance is {$4.00} 8. {$4.00} was paid on 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 monetary relief
Consumer complaint received 2020-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I have been banking with Bank of America for years when I decided to open a credit card with them in XXXX of XXXX. As you can see with the attachments below, I was on-time for every single payment, not ONE payment was made late in the six years that I banked with them. 

However, when I decided to pay off my debt ( this year ) because of all the uncertainty this nation has faced with the pandemic, my account was immediately closed by the credit grantors. In several attempts to re-open my credit line with BOA, I was rejected and this lead to the decrease in my once healthy credit score. 

I was an exceptional, on-time credit banker for years and to be taken advantage of in such a manner is not only harmful, but unacceptable. I am appalled and would like for my account to be immediately reinstated. As you all know, this has vanished 6 years and 5 months of perfectly good credit from my record and is completely damaging to me. I had full intentions of using my credit card ( specifically during this time of crisis ) and was not able to once I paid off my debt. This is the difference between me being able to sleep safely at night and me being homeless. This is a serious matter and I need it to be resolved as soon as 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 2020-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
This debt is originally to XXXX. I have been trying to correct this with them for over a year now. IC Systems is the current collector for this debt. I have conteacted them on numerous occasions. I was directed to contact XXXX directly because there was nothing the collector could do for the fraud. XXXX then directed me back to the debt collector. I have gone back forth multiple times. I received a letter from IC Systems that the account would be deleted and not pursued any longer. However, it has never come off of my credit reprts and continues to damage my credit. I was the victim of identity theft and have the documentation stating so. But these companies refuse to take the account off even after filling out all the required documents and receiving proof of deletion. I do not know how else to resolve this issue with them.

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 2020-10-31 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: MI

Complaint narrative:
Hi my name is XXXX XXXX XXXX and i am the victim of IDENTITY THEFT and i have filed a police report and filed a federal identity theft report with the FTC. I sent a copy of my FTC IDENTITY THEFT REPORT ( which is the only document i am required to send by law ) to Transunion CERTIFIED MAIL on XX/XX/2020 along with a request for the fraudulent accounts to be blocked as my rights according to FCRA 609 ( e ) ( 15 U.S.C. S 1681g ( e ). EQUIFAX has denied me my rights as a consumer and according to FCRA they are breaking the law. i am including in this complaint a copy of my FTC IDENTITY THEFT REPORT, AN OFFICIAL COPY OF MY POLICE REPORT, THE NUMBER TO THE DETECTIVE HANDLING MY IDENTITY THEFT REPORT AND THE POLICE DEPARTMENT WHERE MY POLICE REPORT WAS FILED ALONG WITH THE NUMBER TO THE POLICE DEPARTMENT, ALSO I AM INCLUDING, ALONG WITH THE RECEIPTS FROM THE XXXXS. POSTAL SERVICE WHICH SHOWS THE DATE AND TIME THE LETTERS WAS RECEIVED BY EQUIFAX, ALSO I AM INCLUDING IN THIS COMPLAINT A COPY OF MY STATE DRIVERS LICENSE ALONG WITH MY SOCIAL SECURITY CARD SO THAT EQUIFAX CAN SUCCESSFULLY IDENTIFY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
My daughter signed a lease for a rental agreement in XXXX with this company XXXX, I originally co-signed in XXXX, however I did not co-sign the second term contract. My daughter decided to move by the third term because of the XXXX in the complex and found another person to take over her lease. They signed the contract and the lease office refunded my daughter her deposit and took the key. The new tenant fell through with the lease and XXXX has came back and charged my daughter and myself for the months of rent loss that year. I did not sign a contract for this lease term.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
lost my wallet that contained my driver license and social security card and multiple accounts where open using my personal information and a credit card with Comenity bank was open XXXX with credit limit of {$200.00} sent company a letter stating it wasnt mine it was open do to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$41000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount $ XXXX XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$32000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$32000.00}

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 explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
On XX/XX/2020 Medical Data Systems INC, added a derogatory remark to my credit report per XXXX  XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, MEDICAL DATA SYSTEMS INC has violated my rights as a consumer and I'm requesting legal action to remove the account 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 explanation
Consumer complaint received 2020-10-31 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: FL

Complaint narrative:
After reviewing my credit report, I found numerous accounts listed that I have no knwledge of and was a result of malpractice.

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 2020-10-31 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:
After reviewing my credit report, I found numerous accounts listed that I have no knwledge of and was a result of malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank admitted to false advertising in response to a previous CFPB Dispute of mine. PNC stated " PNC reviewed the telephone conversation you had with PNCs Customer Care Center and determined that the representative you spoke with provided you with incorrect information. On XX/XX/2020, an employee incorrectly advised you about Zero Fraud Liability, and that the Account would be credited in two ( 2 ) days ... .However, on behalf of PNC , I apologize for any inconvenience you may have experienced. '' -- -- -- - PNC willingly admits that I was " provided with incorrect information '' on the XX/XX/XXXX phone call and offered an apology for there wrongdoing. -- -- -- -- Also substantial injury occured to me as I the consumer lost money from fraudulent transactions drawn against my account. The cost of PNC Bank to establish a minimum level of due diligence, monitoring, and response procedures to remedy the problem would have only been the cost to train an employee to not provide a customer with false information over the phone, which is far less than the amount of injury to me the consumer that resulted from bank 's avoiding these costs. I could not avoid the harm because both I and PNC reviewed the telephone conversation I had with PNCs Customer Care Center and determined that the representative I spoke with provided me with incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: CA

Complaint narrative:
Do you see the notation on the CFPB web site ... '' INVESTIGATION YOOK MORE THAN 30 DAYS ''. That is the law. YOUR INVESTIGATION TOOK MORE THAN 30 DAYS THEREFORE, WHAT YOU INVESTIGATED OR WHAT THE COMPANY TOLD YOU AFTER THE 30 DAYS IS IRRELEVANT. YOU DO NOT GET ANOTHER 30 DAYS. THAT IS NOT HOW THIS WORKS. STOP BEING COMPLETE IMMORAL MORONS. 

DELETE THESE ITEMS BECAUSE YOU ARE BLATANTLY BREAKING THE LAW.

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 2020-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Thank you for the information you have sent thus far and I have an additional request. 
However, I do not understand why you withhold information that is readily at your hands. Nor do I understand why you " decline to produce any further documentation '' except through subpoena per your letter dated XXXX XXXX, XXXX XXXX  XXXX. Is there harm that can come upon Chase for supplying this information or do you not have the information to be used to my benefit? I believe everyone has the right to receive information to prove their truth. I have asked for the details of the fraudulent payments made in XXXX. The fraudulent payments were payments not made or authorized by me and subsequently " bounced '' with a fictitious account number. These included payments made XX/XX/XXXX of {$7000.00}, AND THEN THE FOLLOWING DAY XX/XX/XXXX another payment of {$2000.00} and then ALLOWING another payment MORE THAN ONE MONTH LATER on XX/XX/XXXX of {$10000.00}. AND purchases that month were {$10000.00}. A child could see that this was fraud. This is why I am requesting alll details for payments. 
In addition, may I have the transcripts for all conversations you have referenced in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: VA

Complaint narrative:
My complaint is all three credit bureaus XXXX, XXXX, Transunion are reporting this one account XXXX XXXX  XXXX  which is a charge off. I called XXXX XXXX  XXXX  to pay off balance until they told me this account was given to collection agency back in XX/XX/XXXX they asked me why I did not pay it 2 years ago, my response to them that I became homeless and lost my employment and I moved around alot could not keep up with my mail at the time and when I did purchase PO BOX it was already too late when I received the letter that I owed a balance. So they gave me the name of the company they sold the account too, an collection agency called XXXX  XXXX, XXXX. ( XXXX ). I spoke to agent at XXXX and explained to them that XXXX XXXX  is showing a balance of {$99.00} on my credit report which they have the right to do so until they sell the account. The account was sold in XX/XX/XXXX at that time only suppose to show a balance of {$0.00} for a charge off after it is sold. The credit bureaus are showing a balance of {$99.00} which is incorrect and they are reporting this account and do not know themselves who bought this account because it does not show on the account but they decided to still report XXXX Dot account with a balance of {$99.00} charge off, however there should be no balance reporting if the account has been sold to a collection agency. there should be XXXX balance reporting. I asked XXXX XXXX  to remove the whole account due to the fact they sold it and gave incorrect balance on my credit report and I was told to call company XXXX at XXXX and pay them because they are the company that owns the account and only ones who can remove the account but XXXX is not on my credit reports so how can I dispute with the credit bureaus if XXXX XXXX  will not remove there account but a collection agency owns the account who is not on my credit report. I have paid {$99.00} directly to XXXX on XX/XX/XXXX {$91.00} & XX/XX/XXXX $ XXXX asked XXXX to remove XXXX  XXXX  account since I paid the balance now there telling me to call XXXX  XXXX  to remove it. WOW this is crazy they are playing back & forth game with me and I'm sick of it. Its causing me hardship and completely messed with my credit. I do not wish for either company to be reported on my credit report and I do not want the credit bureaus to know the name of company that bought the account. They should had done better research on account before putting it on my credit report with the correct updated information. Please help me with this situation Consumer Financial Protection Bureau.

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 2020-10-31 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: VA

Complaint narrative:
My complaint is all three credit bureaus XXXX, EquifaxXXXX  XXXX  are reporting this XXXX account XXXX XXXX  XXXX  which is a charge off. I called XXXX XXXX  XXXX  to pay off balance until they told me this account was given to collection agency back in XX/XX/XXXX they asked me why I did not pay it 2 years ago, my response to them that I became homeless and lost my employment and I moved around alot could not keep up with my mail at the time and when I did purchase PO BOX it was already too late when I received the letter that I owed a balance. So they gave me the name of the company they sold the account too, an collection agency called XXXX  XXXX, XXXX ( XXXX ). I spoke to agent at XXXX and explained to them that XXXX XXXX  is showing a balance of {$99.00} on my credit report which they have the right to do so until they sell the account. The account was sold in XX/XX/XXXX at that time only suppose to show a balance of {$0.00} for a charge off after it is sold. The credit bureaus are showing a balance of {$99.00} which is incorrect and they are reporting this account and do not know themselves who bought this account because it does not show on the account but they decided to still report XXXX XXXX  account with a balance of {$99.00} charge off, however there should be no balance reporting if the account has been sold to a collection agency. there should be XXXX balance reporting. I asked XXXX XXXX  to remove the whole account due to the fact they sold it and gave incorrect balance on my credit report and I was told to call company XXXX at XXXX and pay them because they are the company that owns the account and only ones who can remove the account but XXXX is not on my credit reports so how can I dispute with the credit bureaus if XXXX XXXX  will not remove there account but a collection agency owns the account who is not on my credit report. I have paid {$99.00} directly to XXXX on XX/XX/XXXX {$91.00} & XX/XX/XXXX $ XXXX.I asked XXXX to remove XXXX  XXXX  account since I paid the balance now there telling me to call XXXX  XXXX  to remove it. WOW this is crazy they are playing back & forth game with me and I'm sick of it. Its causing me hardship and completely messed with my credit. I do not wish for either company to be reported on my credit report and I do not want the credit bureaus to know the name of company that bought the account. They should had done better research on account before putting it on my credit report with the correct updated information. Please help me with this situation Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB Auto it is showing on my credit report as bad debit and charge off and it's a discrepancy. So I disputed it on my credit report and they will not return no phone call or will not send me no mail on why they not looking into it and I thought after 60 days you send them something they're in the mail they supposed to reply to you it's been 9 months and I haven't received anything in the mail from them at all so can you please investigate this? Or have them too remove this from my credit report because they keep selling it to another creditor to make my debt higher

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
This debt is originally to XXXX for {$830.00}. I have been trying to correct this with them for over a year now. Credence RM is the current collector for this debt. I have conteacted them on numerous occasions. I was directed to contact XXXX directly because there was nothing the collector could do for the fraud. XXXX then directed me back to the debt collector. I have gone back forth multiple times. I received a letter from Credence RM that the account would be deleted and not pursued any longer. However, it has never come off of my credit reprts and continues to damage my credit. I was the victim of identity theft and have the documentation stating so. But these companies refuse to take the account off even after filling out all the required documents and receiving proof of deletion. I do not know how else to resolve this issue with them.

Company response to consumer: Closed with non-monetary relief