vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX via certified mail regarding an account they claim I owe in the amount of XXXX. I sent a letter stating : This letter is regarding account # XXXX which you claim I owe XXXX. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

XXXX XXXX XXXX responded with a letter on XX/XX/XXXX saying the debt is valid and claim to attach a verification of the debt. They attached a XXXX  bill to the letter with no signature or any evidence that it was me that made the debt. I have no legal obligation to XXXX XXXX XXXX and I never created a account with them or the original creditor XXXX.

On XX/XX/XXXX I sent another letter to XXXX XXXX XXXX with the same response as the first letter they sent me.

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 2018-06-10 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Hello I have a XXXX  XXXX XXXX with a loan through WellsFargo Dealer Services. I have had my loan through them since XX/XX/2014, recently I began credit repair for myself. Disputes have already been sent and no changes. This company shows multiple 60,90,120 day late payments on my credit report. This company has been over charging my account for quite some time because of insurance fees even though I had my own insurance and they are supposed to be sending monetary compensation because of this. Collateral protection insurance is what its called. This company has been over charging me I would like for those late payments showing on my credit report to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: AP

Complaint narrative:
On XX/XX/XXXX I have checked my XXXX credit report and it gave me an collections alert from XXXX XXXX XXXX XXXX stating that alert date of XX/XX/XXXX. And status date of XX/XX/XXXX, for {$63.00} in which I have never received due to me being overseas. They have reported it to my credit scores and have damaged my credit score for a debt that I know is not mine since Im good at paying my debts, I havent received any calls or anything about the matter as well notifying me that I owed them and they have just reported it to my credit scores I dont even have photos or any paper trails about 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 2018-06-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is reporting a hard inquiry from XXXX XXXX on my credit report but I never applied for any products from XXXX XXXX. I uploaded a copy of the certified return receipt from the dispute I filed with Experian and as of XX/XX/2018 the hard inquiry is still being reported.

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 2018-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I meant to purchase XXXX BTC on coinbase.com on the morning of XX/XX/XXXX. However, transactions on coinbase will be pending for 1 week and mine will complete on XX/XX/XXXX. Immediately after the transaction, I realized I purchased XXXX.  I immediately took to the support center to find a way to remedy this situation. It is impossible to speak to a human or get help for anything with coinbase.com. I have submitted a support request, but I then proceeded to read horror stories about many months-long support requests online. I am appalled by the level of service this company provides given the amount of money that is exchanged on this website each day. How can a company like this be so negligent when so much is at stake? How is it not possible to cancel a mistaken transaction while it is still pending, and will not take place until XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LoanCare, LLC
State: NY

Complaint narrative:
On or about XX/XX/XXXX I applied and received an equity line of credit from XXXX XXXX XXXXfor {$83000.00}. In XX/XX/XXXX I lost my job. I made payments on this account until XX/XX/XXXX. I was not able to find full time employment until XX/XX/XXXX. In the interim my account fell into arrears and was forwarded to collections. In XX/XX/XXXX ( once I became employed again ) I applied and received a mortgage modification with XXXX XXXX. I then contacted XXXX XXXX XXXX. XXXX XXXX  had gone bankrupt in XX/XX/XXXX/XX/XX/XXXX. I was told to contact XXXX XXXX, a collection agency, ( XXXX   ) XXXX and spoke with a XXXX XXXX XXXX. I agreed to pay {$350.00} per month. In XX/XX/XXXX my account was forwarded to XXXX XXXX XXXX, all the while I am paying the agreed upon amount of {$350.00}, the account was current. My account was with XXXX XXXX XXXX until XX/XX/XXXX when my account was forwarded to LoanCare. My XX/XX/XXXX Payment was returned stating the payment was insufficient. In XX/XX/XXXX I contacted XXXX XXXX XXXX   and was informed by rep. XXXX XXXX  that my account was {$20000.00} in arrears.

Upon receipt of my XX/XX/XXXX payment rejection I attempted several times to contact LoanCare via telephone ( XXXX  ) XXXX and ( XXXX ) XXXX.This occurred during the week of XX/XX/XXXX. If someone did answer the phone I was either transferred to a number that rang that no one answered or the call was disconnected. Later that week I was contacted by XXXX XXXX ( XXXX XXXX XXXX ) and was told the minimum payment that would be accepted would be {$700.00} per month and despite making an agreement with the initial collection agency- XXXX XXXX  and never missing a payment my account was even more in arrears than in XX/XX/XXXX.

This communication is sent to complain about this situation and to question what happened to my original agreement with XXXX XXXX XXXX? I have been paying this account for the past 4 years and yet the debt is deepening. I am demanding an answer from Loan Care and I need this answer in writing not a series of disconnected phone calls.

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 2018-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report shows hard inquiries on my account indicating that I have applied for a loan. I have not. This company knows full well that I am in the midst of a divorce, that my EX is court ordered to pay the loan and has not. They know that I HAVE NOT applied for a loan as they KNOW I do not currently have a job and have been jobless for almost a year at this point in time. This has all been reported to their collections department many, many times. I have NEVER applied for a loan and nor would I. 

If they have an application in error, I want to know who signed it as it was NOT me. THREE times in the past slightly over a year they have dinged my credit with a hard inquiry. AGAIN, I Have NOT and NOR would I apply for a loan without a job.

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 2018-06-10 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: CA

Complaint narrative:
There is an error with the balance being reported with my " XXXX XXXX XXXX XXXX  '' account. 
My statement balance is {$0.00} but it was reported as {$320.00} and negatively impacted my credit as a result. Please update my account to reflect my {$0.00} balance.

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 2018-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX calls repeatedly all through the day ( robo calls ) XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX  (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10 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: CA

Complaint narrative:
There is an error with the balance being reported with my " XXXX XXXX XXXX XXXX  '' account. 
My statement balance is {$0.00} but it was reported as {$320.00} and negatively impacted my credit as a result. Please update my account to reflect my {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: CA

Complaint narrative:
There is an error with the balance being reported with my " XXXX XXXX XXXX XXXX '' account. 
My statement balance is {$0.00} but it was reported as {$320.00} and negatively impacted my credit as a result. Please update my account to reflect my {$0.00} balance.

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 2018-06-10 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: GA

Complaint narrative:
Equifax declines to forward me any documents bearing my signature from any party involved ; and won't send me name of false verifier either ... I settled debts with original creditor which is XXXX XXXX XXXX, yet the three accounts were still sent to a collection agency ( XXXX XXXX  ) ; and Equifax declines to cease from reporting this inaccurate information and will not remove it ... They are violating F.C.R.A. law and my rights ... I have written and disputed them on three occasions to no avail ... and now I may have to seek litigation against all parties involved, because I can not get any documentation from anyone ... {$120.00}, {$55.00} and {$170.00} are the fraudulent amounts that were paid, but evidently not recorded or something ... I have also reached out to XXXX XXXX XXXX, and was told that XXXX XXXX   should not have an account for me, because it was paid ; so I called XXXX XXXX  and was told that it was nothing they could do, but settle the debt with me, and XXXX XXXX XXXX would not provide me with any documentation to send to them. How unfair and unjust this is!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To whom it may concern, I have been facing hardship for over the last two months due to fraudulent charges that were made using my TD bank Visa debit card, wiping my checking account clean. Fraudulent charges were made on my checking account totaling in {$2800.00}. 
The transactions were wire transfers using the company " XXXX XXXX ''. The transactions were {$300.00} on XX/XX/XXXX, {$990.00} and {$610.00} on XX/XX/XXXX, {$130.00}, {$94.00}, {$500.00} on XX/XX/XXXX. There was one more transaction for {$200.00} made on XX/XX/XXXX. This account was mostly used to make deposits in order to save up for housing and a vehicle. TD bank has not helped at all and I have not been able to speak with their fraud department. They have not done any investigating and basically told me to deal with the merchant myself. I have called the merchant and they have horrible customer service and have been no help.I have filed police reports and spoke to several supervisors with no resolution. 
I have never heard of the company XXXX XXXX  until I became a victim of fraud. I have never sent anyone a wire transfer in my entire life and these transactions can be proven as fraudulent, but TD bank has failed to do a proper investigation. Representatives at boss revolution have told me that there were phone calls made using my identity as well as an ID that was required when making these transactions. I would like a proper investigation to prove to TD bank that these transactions were fraudulent so that I can get my life back to normal. I worked very hard to save that amount to have it stolen and my bank has been absolutely no help. I have not been able to speak to anyone and they have done a terrible job at assisting me. I have never had such an experience with any company in my life. 
Please reach me at XXXX or my email XXXX Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: CA

Complaint narrative:
Equifax was notified by XXXX XXXX in XX/XX/XXXX to remove an hard credit inquiry made as the result of id theft / fraud. As of XX/XX/XXXX Equifax still has not removed the incorrect information which has adversely affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
ProCollect placed a {$230.00} charge on the XXXX  web site ( the creditor name was XXXX/XXXX XXXX  ) and was placed on my credit report.

I contacted ProCollect and after 5 minutes ProCollect realized they had the wrong XXXX XXXX XXXX they were pursuing ( my DOB is XX/XX/XXXX, the bad guy was XX/XX/XXXX). I have the Manager of ProCollect contact information as the Manager apologized to me several times about the mistaken identity against me and the case was immediately dropped against me. I then disputed this case at least 4 different times to XXXX to drop this " closed '' case against me ; but for reasons unknown XXXX  refuses to take this fraud off 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 2018-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am requesting documents concerning this collection account. Please provide all copies of documents you hold on file concerning this account according to the FCRA 15 U.S.C 1681. I would like copies of all statements and accounting documents concerning this account. 
Please also provide documents that show that Portfolio Recovery Associates owns the rights to service the debt they have sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The Quicksilver from Capital One card is listed as a {$0.00} Annual Fee, and I just found out today that I have been charged a {$39.00} Capital One Member Fee since XX/XX/2014. This Fee went unnoticed until today, and the Capital One Customer Service reps informed me that it is what I signed up for. I only sign up for {$0.00} Annual Fee cards due to this, of the many cards I hold. So I find this to be unlikely that I would have registered for a card with this fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am requesting documents concerning this collection account. Please provide all copies of documents you hold on file concerning this account according to the FCRA 15 U.S.C 1681. I would like copies of all statements and accounting documents concerning this account. 
Please also provide documents that show that XXXX XXXX XXXX owns the rights to service the debt they have sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: Riverwalk Financial Corporation
State: MD

Complaint narrative:
This complaint is regarding 3 collections on my credit report that appeared in XX/XX/2018 from XXXX XXXX XXXX for tuition from XXXX XXXX. The collections are for {$3500.00}, {$1800.00} and {$430.00}. My Post 911 GI Bill covered this tuition in full. I do not owe XXXX XXXX or XXXX XXXX XXXX any money. Please remove these items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX I received a call from Citi Bank asking if I was using a XXXX car. Someone charged my account twice. I checked my Citi Bank account on line and found fraudulent charges and called Citi Bank back. The charges were from XX/XX/XXXX-XX/XX/XXXX for {$2400.00}. I paid off what I owed and locked the account. The balance was {$0.00}. They did remove the charges except a revolving charge of {$49.00}. They continued to allow this charge on the card. I was given a new card with a new number and they allowed the {$49.00} to continue. I have called then over 30 times or more. The last charge of {$49.00} was XX/XX/XXXX. I am now being charged late fees, interest on the account and the original fee charged of {$1.00}. The interest includes the amount for the fraud items charged from the start. My new balance is {$190.00}. Citi has reported my payment late. I have been talking with supervisors in the fraud department and can't get this resolved. On XX/XX/XXXX I was told the balance will be cleared and my credit report will be updated, and I would receive a call when completed within 3 days. I haven't received any call and the current balance has increased. They didn't do anything, no call back either. They have not cleared the account and I get e-mail messages they have unlocked the account.

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