vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
As of XXXX of XXXX, I had begun receiving harassing mail via XXXX  from Midland Credit Management with threats to take this matter to court from the time that the original company had sold this debt to this company. Midland Credit Management had always intended from its ownership of the debt to take this matter to court. I called Midland atleast 3 times to settle the debt and to handle the matter. Midland never reported the debt at any occasion until after it was paid, despite what their response implies to the consumer financial protection bureau. I had been checking my credit, and I had also had credit inquiries conducted upon my account, this account under XXXX XXXX XXXX took all parties inquiring myself by surprise as it had never been reported to credit bureau agencies by Midland Credit Managment until after the debt was settled. How can Midland Credit Management report that I owe the company a debt that had already been settled after it was settled and claim that it has the authority to continue to report this spurious claim until XX/XX/XXXX, because it has a dubious policy that it claims gives it the right to falsely report this settled debt as still outstanding? Government agencies must be vigilant about this company that is inaccurately reporting false information and harming individuals ' records because it deems it has the authority to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2021, I sent my first letter to the credit bureaus. I have sent several letter since then. I have not received a response on behalf of my complaint. XXXX XXXX is inaccurately reporting on my credit file. The past due amount is incorrect, the date of last active is incorrect and the date of last payment is incorrect. This is a violation. I have been very patient and now ready to move forward with this complaint.

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 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
XXXX XX/XX/22 I became a victim of an employment recruitment scam. One of my accounts was used to scam {$2100.00}. Once I realized what happened, I visited my nearest branch for help. After three days of bouncing from rep to rep, On Monday the XXXX I was able to speak with a branch manager. The branch manager informed me that all my US Bank accounts were frozen and would be closed and I should find another bank. I explained what happened, kept all documentation. He understood what happened, but said that US Bank could not risk this happening again and they no longer wanted my business. I have been a customer for 30 years and have never in my life had anything like this happened before. I was hoping to work out a way to repay the loss in a matter of a couple weeks, but that didnt matter. Even though, I am the victim, its my fault that I was tricked. So I have no problem stepping up and fixing it, even though it puts me in a really tough place with my mortgage and bills for the month. But, as of the XX/XX/XXXX I have no access to funds until my new bank account is setup and they send me debit/ATM cards and my next paycheck is deposited. No grocery, gas, utilities payments available. I am emotionally and mentally distraught from the scam and this response did not help. The branch manager at the US Bank location at XXXX  XXXX, MO was so uncaring, it brought me to tears. He made me feel like I was the scammer.

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 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA is stealing my unemployment benefits and also one paycheck. The amount is a {$4200.00} unemployment benefit Payment from XX/XX/XXXX and a {$620.00} paycheck from XX/XX/XXXX! I did not authorize these payments to go into that account because they told me they were closing the account so I asked XXXX to mail me a check and under no circumstance send it to the USAA account. I was assured that they would not put it into that account but it still went in! Also the payroll company ( ADP ) that sent the {$620.00} I also switched my payment info For that as well but it still went to the frozen account! The bank supposedly found fraudulent activity in my account and even though they can prove that I had nothing to do with it by several means ( geolocation data, device addresses, atm cameras, checks not in my signature or handwriting, etc. ) they closed my access to the accounts, yet still accepted my benefit payment and paycheck! Even though I cant access or remove money from my account they still took my money into the account and are closing the account with my money still in there. I want my unemployment benefits and my paycheck, payments that I worked hard for and they are refusing to release the funds to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX I disputed a {$1200.00} I requested that the debt be validated in that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have mailed letters and I have also made phone calls and they do not seem to want to abide by the Law. The FCRA states that legally any unverified or unauthorized items must be removed. 
Experian Shows XXXX  Card entry XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - US SM BUS Admin XX/XX/XXXX ( I even reported fraud to them ) XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX XXXX  Shows XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX which has reached its two expiration as well - XXXX XXXX  XXXX  Show XXXX XXXX XXXX XX/XX/XXXX and that has reached two year expiration as well. 
I respectfully ask that these entries be removed immediately from my credit report. 

I also ask that the following addresses are removed immediately XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove the following employments XXXX XXXX XXXX XXXX  XXXX XXXX I thank you in advance for your prompt response to this situation

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 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX I disputed a {$1600.00} I requested that the debt be validated in that request.

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 2021-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
TRANSWORLD XXXX XXXX XX/XX/XXXX {$1800.00}. DONT OWE ANYTHING TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$750.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XX/XX/XXXX {$750.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XX/XX/XXXX {$750.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$500.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$480.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$450.00}. DONT OWE ANYTHING.
TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$71.00}. DONT OWE ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I received a notice from .IC. Systems, Inc. stating the XXXX XXXX - XXXX had turned over my account for collection ( # XXXX ). However, I do not have an account with that XXXX so I called them ( XXXX ) and asked for the Fraud Dept. The person I spoke to said that they did not have a Fraud Dept., but should fill out a form on their website. When I went there, one of the first things it asked for was my SSN, Therefore, I left the website and went to the IC System to see what they had. There was a form to fill out for them ( that looked similar to the XXXX XXXX ), asking for my SSN near the beginning. I did not look any further on either form, and decided to contact you instead. They state that I owe {$240.00} ( Principal due : {$190.00} and Collection Charge of {$48.00} ). 

The address of the IC System is : XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 
Their Toll-free # is XXXX. 
Their " Pay Online '' is XXXX Thank you for any help you can provide in stopping them from trying to scam other senior citizens.

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 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Yesterday, XX/XX/21, I found the promotional rate for the Venmo Credit Card on their website ( XXXX XXXX XXXXXXXX ) They are advertising double cash back for the remainder of the year if you apply before XX/XX/XXXX. I followed the steps on the webpage in order to apply, but was not allowed to apply. Today, I attempted again. The help section in the app directed me to call XXXX XXXX, at XXXX. I spoke to two representatives there and they told me that I needed to speak to Venmo because I wasn't even able to apply. They gave me the number for Venmo, and I spoke to a representative and his supervisor, and they told me that I can't apply, and that the application isn't even available for their employees. I told them that is not correct, and they should not be advertising a credit card, and then not allowing people to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A fraudulent check was presented and paid by Wells Fargo bank ( 3 years old check ), and an atm withdrawl was processed by Wells Fargo bank. I notified them and they assigned it to a claims person for both transactions. I received a notice from them several days ago that the investigation had concluded and the fraudulent withdrawls were credited back to my account. I have received a new atm card. I called the bank today to have the hold on the bank account checking removed and I have been transferred at least 7 times and no one is able to lift this account hold. I have to write a check today for a plumber for my mother and I am completely unable to do this because there is no one at Wells Fargo bank that can assist me. I am not sure what I am supposed to do unless it is to just take all the money out of the bank and close it. 
wells fargo acct -- XXXX Last person I was referred to XXXX XXXX XXXX XXXX XXXX XXXX luck at getting him to answer.

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 2021-07-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
We called so many times to the bank to dispute the ticket that we bought from XXXX XXXX  because they cancelled it and they asked me more more money to rebook it.But that agent it hard to negotiate they asking us {$550.00} dollars for refund fee each ticket

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was contacted via text by someone I thought was Wells Fargo asking if I had attempted to make a withdrawl on XX/XX/XXXX of {$400.00} from a XXXX  ATM, XXXX. I did not realize the number it was sent from was a std 10 digit number and not a 5 digit number. 
An auto response came back that someone from Wells Fargo Fraud Dept would be reaching out. 
On XX/XX/XXXX I received a call from someone identifying themselves as a Wells Fargo Fraud Rep, they continued to say they would help me shut the card down and open new accounts. 
I spent an hour and 45 mins on the phone with them as they somehow accessed my online banking info, without getting any personal info from me. They sent me a text from XXXX saying they were working in the back ground to cancel the card and asked me to reply yes to an auto text saying " FreeMsg : Verify Wells Fargo activity. Card **** {$300.00} @ ATM Transctio {$52.00} @ XXXX XXXX REply Y if recognized, or call XXXX '' which now I know was them getting me to authorize the fraudulent transaction. 
BUt I still don't know how they were able to get into be online account. 
They transferred all my savings into my checking account and advanced as much cash on my CC they could to my checking. 
Then went on a spending spree around the area. I have filed a police report but it is still active and not assigned to a detective as of today. 
Wells Fargo has denied my claim and will not refund the fraudulent charges and I'm left holding bag. I get married in a month and have no savings and no curent way to pay my bills. 
I need help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2021, I sent out a dispute letter to Equifax in regards to inaccurate reporting on my credit report on both XXXX XXXX credit card accounts. By law, according to the Fair Credit Reporting Act ( FCRA ), I should have received a response within 30 days or less which I never received. On XX/XX/2021, I sent out a demand to comply letter to remind Equifax to respond to my dispute letter and I still have not received a response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021, I 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 and updated or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On XX/XX/2021, I 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 and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NY

Complaint narrative:
This is the last letter Im sending to Experian before I sue Experian in court

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 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2021 I noticed that a Bankruptcy was listed on my credit profile. I called the Court House and asked if they share any information with the credit bureaus, but they shared that they do not. I sent a letter to Experian asking that they delete and remove this information, but they responded saying that the credit grantor has " verified its accuracy. '' I then sent a letter to the U.S. Bankruptcy courthouse stating that Experian reported this information as accurate, so I asked the courthouse to send me all documentation that they used to " verify '' my identity with Experian. The Courthouse responded with a letter stating that they do not in fact share any information with third party gatherers ( letter is attached ). This is a pure violation against the FCRA and my privacy has been breached without my consent. I have attached the correspondence below.

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 2021-07-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. I am requesting that these accounts be deleted. 

XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX -UNVERIFIED ACCUNT XXXX XXXX XXXXXXXX XXXX XXXX-UNVERFIED ACCOUNT XXXX XXXX XXXX- UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, Texas XXXX XXXX XX/XX/1971

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 2021-07-27 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I have repeatedly tried to address this, but believe the issue now falls under the categories of discrimination and harassment. 

Chase refuses to change the name on my account, and now no longer allows me to submit a request through their site and does not respond to previous requests. Las request was submitted on XX/XX/21. 

Ive asked repeatedly that my name and gender be changed per my attached court order, but even today when I logged in, the account still has my old name attached to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XXXX I disputed a {$1600.00} I requested that the debt be validated in that request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation