vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 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: MO

Complaint narrative:
I have written to both all three credit reporting bureaus ( XXXX, Experian and XXXX ) about conflicting data on the same items, such as : XXXX XXXX shows last payment made as XX/XX/2018 on XXXX but XXXX shows last payment made on XX/XX/2018 ( and on a previous report as XX/XX/2018 ). 
XXXX XXXX  XXXX shows last payment made as XX/XX/2018 on XXXX but XXXX shows last payment made on XX/XX/2018. Also the phone number on XXXX shows as ( XXXX ) XXXX but on Experian as ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OR

Complaint narrative:
BBVA acquired my checking account from Simple. I had overdraft protection with Simple. BBVA deactivated my overdraft protection without notifying me, and are now trying to collect fees for repeated overdrafts that I would have taken care to avoid if I had the foreknowledge of their activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello I was using a credit card with Capitol one. They are charging me {$470.00} for XXXX XXXX XXXX  that I did not book nor ever rented with XXXX  in my life. If they call XXXX  they would be able to tell them the same thing. This was posted on XX/XX/2021. This was on the transaction XXXX*XXXX  XXXX  XXXX My name is XXXX XXXX my email is XXXX. I wrote them to let them know this was not me and please look into this matter. They decided to close my account without reason. I am no being charged interest and late fees for a charge I did not do. All someone has to do is look in this matter to see its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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:
A XXXX  XXXX account was opened due to Fraudulent activity I was never aware of this account and reported XXXX soon as I found out about it due to checking my credit score on XXXX XXXX for the first time in well over 7 years. TransUnion keeps adding this account after they take it off XXXX processed it smoothly but transunion keeps messing with my credit and I dont know what to do!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: GA

Complaint narrative:
I originally filed a dispute on XX/XX/XXXX via certified mail to all three credit reporting agencies : XXXX, TransUnion and XXXX. I received a letter on XX/XX/XXXX from them stating that the Collection account has been verified as accurate. In my letter I requested for them to send me copies of the documents they used to verify the collection. They have failed to send me any documents. They have continued to report this inaccurate and unverified collection on my credit report. On XX/XX/XXXX I sent a U.S. Postal certified mail receipt to XXXX XXXX XXXX XXXX XXXX requesting that they send me copies of the documents they used to verify the collection. They have failed to send me any documents. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Update : I called XXXX via phone yesterday XX/XX/XXXX and spoke with a representative that advised me that the collection from XXXX XXXX XXXX has been removed from my credit report. The representative stated that XXXX XXXX XXXX contacted them to remove the collection from my credit report. I would like for XXXX and TransUnion to remove the collection {$4700.00} from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I originally filed a dispute on XX/XX/XXXX via certified mail to all three credit reporting agencies : XXXX, XXXX and XXXX. I received a letter on XX/XX/XXXX from them stating that the Collection account has been verified as accurate. In my letter I requested for them to send me copies of the documents they used to verify the collection. They have failed to send me any documents. They have continued to report this inaccurate and unverified collection on my credit report. On XX/XX/XXXX I sent a U.S. Postal certified mail receipt to Professional Debt Mediation , Inc. requesting that they send me copies of the documents they used to verify the collection. They have failed to send me any documents. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Update : I called XXXX via phone yesterday XX/XX/XXXX and spoke with a representative that advised me that the collection from Professional Debt Mediation has been removed from my credit report. The representative stated that Professional Debt Mediation contacted them to remove the collection from my credit report. I would like for XXXX and XXXX to remove the collection {$4700.00} from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
In XX/XX/2021 ( approximately ), I received a letter from a company that I thought was XXXX They were offering a better monthly rate, and I was and still am with XXXX for many years, now. I accepted the offer for the better rate. 

The company then sent me a letter, and a sim card to install in my phone. I began to get suspicous, and read the letter and the fine print. This company was purporting to be XXXX but in fact they were a competitor. I don't recall the name. 

Then I started receiving bills in the mail from the above company, whom we will call " X ''. Now I am receiving phone calls every day, several times a day, from a collector who is representing company X. The collection company is Frontline Asset Strategies, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, telephone XXXX, website : www.frontlineas.com and payment site : www.payfrontline.com. 

I don't owe them anything, as this stems from a company posing as XXXX. My XXXX bill has always been paid every month, and is auto pay, and is current, as always. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
Per my contract I am asserting my rights as the debtor. 

1. The finance charge of the consumer credit transaction is the sum of all charges. 
2. The debt was paid full at the time the instrument ( promissory note ) was signed by I, the consumer and authorized representative. 
3.The Authorization to charge credit card for payment of membership ( not a loan ) financing and/or payment of maintenance fee is an invalid contract, one autograph is not a valid execution of a valid contract and the By line at the bottom is missing a signature.It must have an autograph from the consumer/debtor and the creditor. 
4. The promissory note for this consumer credit transaction is null and void ab initio as it has no wet ink autographs on the signature line from the debtors and there. 
5. The downpayment is a violation of TILA and the downpayment should have satisfied the contract in full.

6. The Preliminary Credit Rating Request Form was only to obtain any legally attainable credit information. It didn't give the creditor the right to share my private information with anyone. That is a violation of the privacy act.

7. If this is a debt, all debt are obligations of the United States.

8. Any contract that uses Federal Reserve Notes for payment becomes colorable because Federal Reserve Notes are colorable negotiable instruments and therefore the contract becomes colorable.

9. Please show I, the consumer and debtor and authorized representative for the person, where through forensic accounting, I was " loaned '' something by the creditor, that the creditor had to give away.

10. The Vacation Membership purchase agreement CP16276 is void ab initio as well, no signature from the creditor on second page 11. Purchase Agreement Exhibit A, B, C is void, no wet ink signature from the creditor.

12. Exhibit D Regular is void ab initio for lack of wet ink signature from the creditor.

13. I am giving Monterey Collection Services one more chance to apply the remedy or see 15 U.S.C 1611 and 1692k for civil liability.

See Points of Authority and Definitions in attached document

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have been a identity theft victim for years and struggling to get the account erased on my credit report. Since becoming member with XXXX XXXX, they have worked things out and closed almost all the fraud accounts for me, except the one with Capital One ( which we've tried for approximately 9 months ) already. We tried to call them many times ( approximately 10 times ) and nothing ever changed. The amount is {$310.00}. We ( XXXX XXXX and I ) already sent them the proof of residency and things that they required from us. I'm trying to buy a house for my family ( my wife and XXXX-daughter ), but this thing has made my life so hard now. I'm willing to pay that amount if it doesn't affect my credit report negatively, even though it is not my account. I just want to move on. So please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the UNKNOWN INQUIRY listed below is still reporting on my credit report. In violation of Federal Law, EQUIFAX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting this unknown inquiry. Hereof, given all my attempts to address this concern with the bureau, as willful negligence and non-compliance with federal statutes. 
XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase has my email address on file for another customer. I receive their mortgage statements, home address, credit card payments, etc. to my email. I have tried calling Chase over the past few months, they require you to enter an account number to speak to anyone. A few representatives I spoke to hung up on me after I explained the situation. The most recent I spoke to in their " privacy department '' wrote down all relevant information and said they would write a report to be handled by someone else within one day. I asked for them to follow up with me to make sure it's done. She said they will not follow up with me. I asked how can I confirm it is done, she said I can call back but they wouldn't be able to confirm it then either since I'm not the " affected customer. '' She then hung up on me when I asked to speak to someone else. 

Their emails contain no links for me to click to say " this isn't me '', they offer absolutely 0 ways to solve the issue, and they are sending me extremely personal information of another customer, yet do not seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
XXXX XXXX 's home mortgage payments ffrom Wells Fargo have misallocated more than twice. 
. this last time, 2 months were misallocated and foreclosure letters dated XX/XX/2021 and received slightly later. 
sent to XXXX and XXXX XXXX ( cosigners ). along with XXXX. 

Even though XXXX says they are correcting the matter, we want to make sure our credit rating will not be tagged and lowered. 

Also we want these errors to be documented because others may be affected in their accounts in a similar way. 

attached are several of the documents. 
Please let us know if you need more information XXXX and XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have reported multiple times to all Credit Reporting Companies XXXX XXXX, Experian, and XXXX ) that XXXX XXXX XXXX XXXX has me late 60 days XXXX XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have been with Capital One for about a year. I started with a prepaid card until I had a credit record that would let me convert to a regular card. I pay the balance in full every month and I am never late. In XX/XX/2021, I received a notice that my payment was due on XX/XX/XXXX. When that day came, I got a notice on my phone to pay card bill of {$1000.00}, which I did immediately. This money is paid from a brokerage account. The payment was posted on the XXXX of XXXX. Yesterday, XX/XX/2021, I looked at my brokerage account and found there were two identical payments to Capitol One for {$1000.00}. I called their Customer Help line and I was told this happened because I " have AutoPay ''. My question was, " if I have AutoPay, why do they send me a notice to pay my bill? " I contend this is a not so legitimate way for the bank/card company to take more than they deserve. When I asked for a refund, I was told that would take 15 days. In my mind, that is two weeks, but he corrected that it was business days, now three calendar weeks. He said they would have to pay with a paper check and it may take a week to get to me. Now it is four weeks for the refund, you know.the money they took wrongly. They got the money I owed in a day. 

One last thing. The money they took was not a small amount, and actually it was just luck that they did not overdraw my account or drian it to the degree where I was left destitute. This arbitrary taking is wrong on so many levels that I can not begin to enumerate. Its selfish, greedy and shows no concern for their customer 's financial condition. 
But I'll try... 

Capital One is wrong in that they misdirected me with the phony payment due notice, knowing full well that I had AutoPay. 
Capital One had the money wrongfully taken for two weeks and never said a thing to me. 
Capital One refused to issue a refund immediately, taking their sweet time to issue a paper check and delivered by the slowest means available today, The US Post Office. 
I pointed out to their Service person that when the next Capital One bill is due, I'll process their request, taking three weeks to do that and send along a paper check, which will take a week to arrive... .will that be acceptable? 
" NO '' " Then what makes it acceptable to me? '' No answer

Company response to consumer: Closed with explanation