vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
I lost my debit card XX/XX/21 i notices the fraud charges XX/XX/21 i called the police and made a report. I called ways 2 go program and explained i lost the card and gave all transactions that were made. The lady who initially took the call said 2 out of 5 transactions can only be placed in disputes that day because the merchant hasnt collected the funds. It was over 800 in purchases. I called ways 2 go XX/XX/21 and checked on my claim they advised it was denied due to no proof of fraud activity. The card was used as credit in multiple stores using XXXX XXXX and XXXX dollars at a time. Ive never spent this amount ever at a liquor store and also Ive only used debit while having the card. They keep telling me i cant appeal or reopen my decision unless i have new information to provide. This is crazy i am unemployed and have bills to pay. I will get put out if i cant pay my rent. They are offering me no help and dont care to help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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:
These inquires do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Theyre stating they have written more off on the account than whats actually settled Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2600.00} Highest balance {$1700.00} Terms NA On record until XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TN

Complaint narrative:
I submitted a dispute with Equifax on XX/XX/2021 about a negative account reporting on my credit profile. I disputed this account because I had no knowledge of this account and I never received any verification to prove this account was actually mine. XXXX and XXXX deleted this inaccurate account from my credit profile but Equifax did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Accounts Service
State: CA

Complaint narrative:
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA
State: MS

Complaint narrative:
I don't understand how two student loans are on my credit report six times that's not fair. I can't repay them, I'm in debt and they are in forbearance. I have two student loans that show up closed on my credit 6 different times I keep writting XXXX but they are not fixing it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: MI

Complaint narrative:
I DID NOT APPLY FOR THE THINGS ON THIS REPORT. PLEASE DELETE

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 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
On the date XX/XX/2021 I received a postcard in the mail from a debt collector, which is a violation 15 USC 1692b ( 4 ) and 15 USC 1692f ( 7 ). When I opened the letter I seen symbols witch is a violation according to 15 USC 1692b ( 5 ) and 15 USC 1692f ( 8 ). And a host of other violations. Which is unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: MiraMed Revenue Group LLC
State: IN

Complaint narrative:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am writing this due to non-compliance with the CRA and They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law I have disputed more than 3 months in a row they are sending me stall letters and computer generated results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: IN

Complaint narrative:
After viewing my credit report I found inaccurate information in my credit report, As per the FCRA I have the right to fixed my report because I've found error in there.

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 2021-07-02 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: U.S. BANCORP
State: VA

Complaint narrative:
U.S. Bank charged off my account after failing to alert me that my account was overdrawn in XXXX of 2019. I checked my US Bank app to verify I had no pending transactions and saw there were none.Because I was paid in cash and had no need to use a debit card and left the account inactive for two months. After the period of inactivity, I attempted to deposit money onto my account when I learned that my account had been charged off because of a roughly {$20.00} overdraft. Because U.S. Bank had incorrectly recorded my address into the account with an invalid address, I never received a letter of demand. Before U.S. I had even made a cash deposit in person before my account was charged off, but the U.S. Bank teller neglected to notify me that my account was overdrawn. Due to an error with the U.S. Bank app and their failure to record my address correctly, my personal finances and credit report have been negatively affected. 

It is reasonable for a customer to trust a financial institution to record the personal information a customer provides accurately. It is also reasonable for a customer to trust a financial institution to alert the customer if the customer makes a transaction in person of problems with their account. I trusted U.S. Bank to alert me by mail, phone, and interactions with bank tellers of account problems. Because U.S. Bank failed to maintain an accurate address that I provided them and to inform me when I was speaking with a bank teller, my personal finances and credit have been severely hurt. 

I only learned that this prevents me from taking loans after I graduated college and applied debt consolidation loans. I have attempted to dispute the claim but U.S. Bank refuses to correct its mistakes. 

I have attached portions of U.S. Bank statements that show the invalid address and the date I made a cash deposit. A brief internet search will show that the address U.S. Bank recorded and disseminated to consumer reporting agencies is invalid. There is a house number, the word " XXXX '' but no street name, and a zip code that corresponds to a city in a different state. It is the responsibility of the customer to provide the correct address 's, but it is also the responsibility of the financial institution to enter the correct address they receive from the customer. I use the address that U.S. Bank claims they sent demand letters to for other legal documents but this is the only time that an invalid address has appeared on any of my legal documents. 

I have attempted to dispute the issue with U.S. Bank but U.S. Bank refuses to correct their mistakes. Because of U.S. Bank 's mistakes, I am suffering.

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 2021-07-02 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: National Credit Adjusters, LLC
State: NC

Complaint narrative:
I have contacted National Credit Adjusters since XXXX asking for proof of validity of a debt. They have not provided any proof that debt belongs to me and will not respond to any letters that I have sent. I have contact all three credit bureaus and the creditors themselves. 

The account also looks like it has been re-aged because I did not open anything with XXXX XXXX in the month of XX/XX/2021. 

The amount reporting on my credit report is {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: OH

Complaint narrative:
I contacted Trans Union about debt collection from XXXX XXXX XXXX that was put on my credit report on XX/XX/2021. I explain to them that debt is invalid because they bought it from another debt company that tried to sue me for the so called debt. I have gave them the case # on the case to show them that the debt was not valid. Almost 30 days go by and Trans Union came back an said debt was valid when the case was dismissed in a municipal court with L.C Rule 12.02 Dismissed without prejudice. So the information they received from Debtor is wrong saying valid is incorrect. Proof will be sent 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 2021-07-02 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Sunday XX/XX/XXXX I called to report several fraudulent charges on my account totaling over {$1500.00} and causing my account to become overdrawn. I was issued a new debit card and was told it could take 1-10 business days to refund my money. I was told the fraudelent charge had to clear before they could remove it and refund the charges. It cleared two days later and after it cleared a second, identical charge showed up under pending transactions despite that card being frozen. Wells Fargo claims suggested this would likely fall off and I shouldnt worry. Wednesday the second, identical, fraudulent charge became authorized and when I called Wells Fargo they appeared to have no idea that it was there. They added it to the existing claim. It has been nearly a week since the fraud was committed and Im accruing daily overdraft fees while scheduled payments attempt to come out of my account. Id like to know with a little more clarity when I can expect this to be resolved. Because with the holiday weekend added in, it could be over TWO full weeks that I have no access to my money. That is unacceptable. I have been a Wells Fargo customer for over a decade and Id like to be able to say that they wouldnt want their clients to be impoverished for weeks on end while they take their generous time dealing with my claim.

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 2021-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Asked for original documentation to verify the debt owed and from when and failed to provide validation. When I tried to dispute the credit reporting stating the dates that they are reporting are on accurate along with the amount owed and not a verified debt they keep saying that is true and verified. I have not received any information on this debt to verify the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
On the date of XX/XX/XXXX I sent a certified letter to the company MediCredit asking them to validate a collections debt that was reported on my credit report. In response, Medicredit responded on XX/XX/XXXX will a detailed bill breakdown showing all procedure XXXX, and medications that was given according to the date of admission. I asked this company to provide proof ( a signature ) a contract validating my signature that shows proof that I allowed my medical information to be released to them and they did not do so. However, in response to the validation letter they violated Hipaa. I did not authorize this company to access my medical records. Ive asked them to remove this reporting from my credit immediately but they did not do so, now I am looking to move forward with a lawsuit from this company violating my rights. Attached please see all supporting documents showing proof of their response including them violating hipaa in doing so.co MediCredit XXXX XXXX XXXXXXXX XXXX XXXXXXXX MO XXXX Phone : XXXX Account Numbers XXXX XXXX XXXX XXXX And any others reporting from this company. 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have sent a mail asking the agency about to validate the debt in XX/XX/2020. I have not received any further communications. I tried to cal them and no one picks up the phone during business hours.

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 2021-07-02 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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have attempted to contact this collection agency on numerous of occasions asking them to verify information relating to a debt that they say I owe. I ask for validation within 15 dates of my request to only have Midland Credit to send an email saying the account has been updated but none of the information I requested has been verified. I need validation of date of service and original owner of per said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am XXXX XXXX and this is not an unauthorized third party! Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX XXXX never gave credit reporting agencies any written consent to report anything on my consumer report. No consent is identity Theft. This is a direct violation of Federal Law! These credit reporting agencies are reporting unauthorized collection accounts and never produced a written consent from me the consumer! pursuant to15 UNITED STATES CODE 1681n collection agencies are civilly liable for noncompliance. I have took my time to study federal law and i'm now aware of the laws collection agencies violate the consumers on daily! I'm a federally protected consumer and i demand my right to privacy 15 UNITED STATES CODE 1681a

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 2021-07-02 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: SC

Complaint narrative:
I am XXXX XXXX and this is not an unauthorized third party! Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX XXXX never gave credit reporting agencies any written consent to report anything on my consumer report. No consent is identity Theft. This is a direct violation of Federal Law! These credit reporting agencies are reporting unauthorized collection accounts and never produced a written consent from me the consumer! pursuant to15 UNITED STATES CODE 1681n collection agencies are civilly liable for noncompliance. I have took my time to study federal law and i'm now aware of the laws collection agencies violate the consumers on daily! I'm a federally protected consumer and i demand my right to privacy 15 UNITED STATES CODE 1681a

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: IL

Complaint narrative:
I received an unsolicited card from Netspend XXXX. The only way to contact the company is via the activation line. I emailed them but received no response.

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 2021-07-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: IN

Complaint narrative:
After viewing my credit report I found inaccurate information in my credit report, As per the FCRA I have the right to fixed my report because I've found error in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates XXXX XXXX XXXX, XXXX, VA XXXX XXXX bought charged off credit cards accounts from XXXX XXXX in my name. They have committed fraud in communication and fraund in actions. 

They have reported closed debts as OPEN to the credit agencies. 

They have sent false letters claiming communication that did not occur. Note the letter claiming communication from XXXX XXXX. It was never sent in 2017. 

They are claiming false amounts that do not reflect pass payments made to XXXX XXXX. 

Both Credit Cards accounts are more that XXXX ( XXXX ) years old.

Company response to consumer: Closed with explanation