vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America is harassing me nonstop for marketing purposes, having nothing to do with my credit card or its account. They are trying to obtain information on my income, investments, etc. When I login to my credit card account I have to click through a pop-up that tries to solicit this information. They send emails to my personal email account. And most recently, they have been leaving dozens of messages on the answering machine of my home telephone.

I am not interested in additional financial services from Bank of America, and I consider all of the information they are attempting to collect as private and none of their business. They are inappropriately exploiting contact information they have on me, turning it over to their marketing department, and harassing me. Please tell them to cease and desist!

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 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX collecting for XXXX XXXX XXXX XXXX. They are collecting for equipment I returned to them a long time ago. This is a mistake from their part

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have paid this debt off and this company still reported it to the credit companies as unpaid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: NH

Complaint narrative:
I told them on several occasions the person they are calling does not live here and they still continue to call. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX , MO - XX/XX/XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX , MO - XX/XX/XXXX XXXX XXXX   XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, MO - XX/XX/XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2018, I received notification from XXXX that a collection was added to my credit reports. The XXXX agency is listed as XXXX and the original creditor is listed as XXXX XXXX XXXX. I reached out to XXXX, Equifax, and XXXX, informing them I have a bill from the original creditor listing the past due amount as {$1000.00}. The amount listed on my credit reports was {$1000.00}, it was recently updated by XXXX to reflect {$1000.00}. This amount is still incorrect and should be removed for inaccuracy. Also, the date opened listed on my reports is incorrect. XXXX has XX/XX/2018, the correct date is XX/XX/2018. I have asked each of the bureaus to remove the account due to inaccurate information listed. XXXX  stated they could remove it but the collection agency could put it back on my report with the accurate balance and correct date opened. This is turn would drop my credit score again, and appear to be a new collection account. Equifax stated once the account is removed the collection agency would NOT be able to put this account back on my report. XXXX  stated the collection account is not listed on my report. I would like for this account to removed from both my XXXX  and Equifax reports due to inaccurate information listed. Also, I never received notice from XXXX notifying me of the pending collection. I have attached a copy of the bill from XXXX XXXX XXXX and a copy of my credit report showing the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I went into Wells Fargo to withdrawl a roll of quarters from my checking account. The transaction finished and I left. Later that night I noticed {$900.00} was taken from my Savings account. I called and filed a claim and was told it would take 7-10 days to receive my funds. A week later I was told my claim was inaccurate and had to file another. Then saying the branch should have given me my money back themselves. It has now been 16 days amd nothing has been resolved and my second claim has been closed. I have yet to receive my {$900.00} back.

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 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
As a XXXX XXXX resolution I decided to resume working on bettering my credit. While checking my XXXX and XXXX reports  in mid-XX/XX/XXXX I discovered that a new collection account was added on XX/XX/XXXX in the amount of {$340.00}. It is reporting under the company Convergent Outsourcing. I have never heard of this company nor I have done business with them before. On XX/XX/XXXX I sent this company a certified letter asking for debt validation and a signed contract showing me that this is a valid debt. The company responded on XX/XX/XXXX with a printed statement from Im assuming the original creditor and a letter stating that the debt is valid. Since this was not what I asked for on XX/XX/XXXX I responded to the companys letter with another certified letter informing them that their response was not debt validation. The company has not responded as of today with a signed contract nor did this company provide me a dunning letter before I even contacted them. Had I not checked my reports I would not of known about this collection account. Because of these reasons I do not feel that I owe this debt and want it removed immediately from both of my credit reports.

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 2019-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I have never received any written or verbal communication from this company stating I owe them anything. The last I heard from XXXX was they were going to investigate the debt and they will have diversified consultants stop the credit reporting. This is against the law and they have no proof that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Security Credit Services had the collection from XXXX XXXX XXXX for an auto loan that got repoed. I paid the debt to the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
I send a letter to this company dated XX/XX/XXXX. It is now XX/XX/XXXX ive never gotten a response from them. I have tracking number and proof of delivery. They are showing on my consumer report that the account was open XX/XX/XXXX and it has a balance of {$1300.00}. I have never had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted Carmaxx during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. Carmax has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have paid this debt off and this company still reported it to the credit companies as unpaid account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
On XX/XX/19 I received four calls from XXXX from XXXX. I called back and requested them to quit spam calling my phone. On XX/XX/19 I received eight calls from XXXX at XXXX. My phone is set to do not disturb since I work overnights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My purpose was to buy two tickets to see a XXXX XXXX concert on XX/XX/2019, at XXXX XXXX. On Friday, XX/XX/XXXX I checked online to find a reasonably priced ticket around the original price of XXXX  dollars before the concert was sold out. Found a seller who was selling tickets for {$50.00} and messaged them. They replied later evening and said they were selling. As this was my first time doing a transaction like this I followed the person 's orders on how to send the money. I was skeptical of these prices and asked for the seat locations they had on their tickets to see if they were even available on sites on like XXXX  XXXX  that were reselling. They responded with seat locations that were sold so I thought the seller was real. I followed her orders to use " family and friends '' instead of " goods and services '' because they told me it was faster. I sent 100 dollars through paypal along with a {$35.00} dollar transaction fee because of the " friends and family '' service. When I sent out the money they kept replying they haven't received the payment yet and told me use an app called XXXX XXXX. I didn't know what app it was but I still downloaded it. I assumed from the high rating on the app store that it was a safe app. I sent them XXXX  dollars through this app and they said they still didn't recieve the payment. Because I had lost XXXX  dollars already I didn't want to send anymore money. I told them to send me the tickets. They responded by saying that they haven't recieved payment and would not send them. I told them to refund me and they said no because then they were afraid I wouldn't buy the tickets anymore. The text conversation lasted till XX/XX/XXXX at XXXX XXXX pst. I tried calling them through XXXX, they would pick up and then hang up again. When I told them I would call again the next day after I slept they never responded and deleted their account from XXXX the next day so I wasn't able to reach them. I found from the payment on Paypal that there was an email and email them. I emailed the person and the respondant said the person was unavailable. Apparently they are not connected but this connection is also sketchy because it was the account where I sent the money to. I called the customer line on Paypal later to get some help and they said that because I used the Friends and family service that they couldn't do anything besides emailing the same person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX XXXX - XXXX XXXX sold my debt to XXXX XXXX but will not drop the debt from my credit report. Now the debt is upheld by both companies. I have disputed and call XXXX XXXX and they can not explain why it's still on my credit report because it is sold debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In XX/XX/XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted XXXX during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. XXXX has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XX/XX/XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted XXXX during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. XXXX has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate.

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XX/XX/XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted XXXX  during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. XXXX has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate.

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: NV

Complaint narrative:
As stated prior to, this is not my account. I am not associated with the address or any of the information listed on that 'contract '. I need to be provided a physical copy of the original consumer signed contract with MY SIGNATURE ON IT. This is not my information. In addition, I am requesting to be provided these phone calls as well, because I've never spoken to this company nor have I received services from them. I am requesting all of this documentation which will serve me in compliance to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. I am again formally requesting a copy of any documents, bearing my signature, showing that i have a legally binding contractual obligation to pay them the alleged amount. Nothing that you've shown me proves this account belongs to me! Where is my social security number on this alleged contract? Non existent! My social security # which is needed on any contract proving that it's connected to me, is not on this contract! This is not my account and I'm requesting that it be deleted from my credit report immediately. 

Thus far, they've sent me a paper with the name 'XXXX XXXX ' on it, no social security number connecting this account to me is on this alleged contract, it is not my signature and it's address is a location I've never resided at! Please delete this account immediately. In addition to this, I will like to be provided the phone calls they state they have according to their 'records ' of me admitting this account belongs to me. It does not! 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting an official Complaint through a cfpb investigate XXXX XXXX. also know us Wells Fargo Bank in regard of my mortgage the new allegations are they are the investor, creditor and or note holder I would like to clarify the nun have not been a victim off the fake account created by Wells Fargo. 

Loan # XXXX XXXX XXXX My last 4 digits of My S.S. XXXX B.O.B XX/XX/XXXX MY ADDRESS : XXXX XXXX XXXX XXXX Florida 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