vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/19 i transferred my XXXX account to a new account. The phone representative told the XXXX store representative that in order for them to authorize the transfer I had to pay a final balance from my old account for {$44.00}, which I paid immediately at the store. On XX/XX/2019 I received a letter from a collection agency saying that I own XXXX {$29.00}. I contacted both the collection agency and XXXX, I asked them why they never sent me a bill and why they transferred me to a collection agency if I had already paid my final balance as the representative stated on XX/XX/19 and I already started paying phone bill in the new account. The representative and the supervisor keep arguing and acting rude and sarcastic. The supervisor implied that if I don't paid the " hidden charges '' I could damage my credit. They were not professional and unable to explain why they never sent me a bill before but they just transferred me directly to a collecting agency, which makes XXXX a not reputable company, since they put their clients in risk of harming their credit fo no reason. And I can not keep paying their mistake of paying my old account and new account which will be a duplicate charge if I already paid off the final balance from the old account. What they actually want from me is making me pay twice for my phone bill which is an unfair practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: GA

Complaint narrative:
Im reaching back out to you all because there are still some items that have not come off my credit. I reached out a couple of months ago about some things on my credit that are not mine. There are still some remaining XXXX XXXX, US Dep ED, XXXX XXXX? XXXX, XXXX XXXX, XXXX, XXXX XXXX. I have contacted the FTC and my local police and Im also doing this on my own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I HAVE ATTACHED A COPY OF MY LETTER TO THE BBVA BANK ASKING FOR PROCEDURAL CORRECTIONS. THERE HAS BEEN NO RESPONSE TO MY LETTER. BY OTHER ACTIONS THEY HAVE TAKEN THEY HAVE STATED THT THE DEP BOX ONLY CONTAINED XXXX IN CASH AND NO CERTIFICATES OF DEPOSIT. BEFORE HER DEATH, MY MOTHER HAD STATED THAT THERE WAS XXXX XXXX DOLLARS IN THE BOX CONSISTING OF XXXX XXXX IN CASH AND TWO XXXX XXXX DOLLAR CERTIFICATES OF DEPOSIT FOR A TOTAL OF XXXX XXXX DOLLARS. SEE XXXX FOR A HISTORY OF THE BBVA BANK. THIS XXXX XXXX HAS 561 OR MORE BANK LOCATIONS IN THE USA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: TX

Complaint narrative:
Starting 2 years ago I started seeing a XXXX XXXX address on my list of addresses. I knew this was incorrect and tried to dispute it to no avail. I left it alone until I went to XXXX XXXX and looked up My Missing Money. Well lo and behold there is a XXXX XXXX XXXX ( which is my name as well ) living in XXXX XXXX, TX. 
So a few months down the road I am checking my credit report and it is claiming I have opened accounts that are not mine, and loans that are not mine. I went to dispute them but could not pass the identity questions because I don't have a car loan-she does- I don't have a retail credit card- she does so I was locked out. I finally called and spoke to someone at XXXX and explained the problem and they said I would have to fax them a picture of my drivers license, social security card, and a bill. I did this. When they sent my results to me they sent it in an email and with the same identity questions, I ALWAYS FAIL.NOW, THEY WON'T SPEAK TO ME ON THE PHONE REGARDING THE ISSUE BECAUSE OF PROTECTING MY IDENTITY. IT HAS NOW SPREAD TO ALL 3 AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
Like they have the statement of the account it says that the amount of the total of {$1800.00} was payed andthe only amount that ia owe it is just the total of {$480.00} by the date of XX/XX/2015 i am notice that they actually had the account with the wrong total. And i notice that if the amount it is {$480.00} iam willing to pay that amount with a fare payment plan. I whent to the collection agency community statemants and i notice that this agency had have a lot of negative comments of there services and that others had the same or similar problem that i have with the agency. like isayed if i owe the amount of {$480.00}, iam willing to pay but with a fare payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: GA

Complaint narrative:
Im reaching back out to you all because there are still some items that have not come off my credit. I reached out a couple of months ago about some things on my credit that are not mine. There are still an account XXXX XXXX. I have contacted the FTC and my local police and Im also doing this on my own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A.
State: NV

Complaint narrative:
I previously submitted a complaint regarding this account, several times. I stated that I was a victim of identity theft. I saw in PNC 's response that I did not report the incident until XXXX XXXX. That was because I did not see the item on my credit report until then. I have been trying to dispute this ever since. There is also a statement made that my wife, XXXX XXXX verified information regarding this account, which is invalid as well, as her identity was stolen during this same time. So whomever it was that stole our identity apparently had her information as well to verify this account. Of course whoever the individuals were, they did not want to lose the account or jeopardize the account so it is quite possible there was a male and female to follow up. Nor I or my wife have ever called on this account. 

Also the statement regarding my mailing address of XXXX XXXX XXXX. Yes I lived there and obviously people who steal your identity steal your address, social security numnber and other identifying documents that try to prove they are the indvidual or individuals of the identity they have stolen. I never consented to or walked into a PNC BANK to apply for any account. I believe this application was submitted online. Unless you have my original wet signature proving that I authorized you to run my credit, and that I approved or consented to an account or physically walked into a bank, if there is one this account needs to be removed immediately. This negative account has been hindering my credit for years now, to where I can not apply for any other financial services or matters. 

Currently, your company is in violation of Section 813 Civil liability ( 15.U.S.C. 1692K ) ( a ), of the FDCPA.

Section 616. Civil liability for willful non-compliance ( 15.U.S.C 1681n ) ( a ) of the FCRA.

Section 617. Civil liability for negligent non compliance ( 15.U.S. C 1681o ) of the FCRA. 
This matter needs to be resolved or I will be contacting the FTC, my local attorney and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/2019, XXXX charged me {$16.00} for buying a game, but I was unable to download the game on repeated attempts because no matter how many times I tried downloading it, the estimated download time was 8 days 15 hours at 68 KB/s. I've attached the evidence with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: TX

Complaint narrative:
Starting 2 years ago I started seeing a XXXX XXXX address on my list of addresses. I knew this was incorrect and tried to dispute it to no avail. I left it alone until I went to XXXX XXXX and looked up XXXX XXXX XXXX. Well lo and behold there is a XXXX XXXX XXXX ( which is my name as well ) living in XXXX XXXX, TX. 
So a few months down the road I am checking my credit report and it is claiming I have opened accounts that are not mine, and loans that are not mine. I went to dispute them but could not pass the identity questions because I don't have a car loan-she does- I don't have a retail credit card- she does so I was locked out. I finally called and spoke to someone at Transunion and explained the problem and they said I would have to fax them a picture of my drivers license, social security card, and a bill. I did this. When they sent my results to me they sent it in an email and with the same identity questions, I ALWAYS FAIL.NOW, THEY WON'T SPEAK TO ME ON THE PHONE REGARDING THE ISSUE BECAUSE OF PROTECTING MY IDENTITY. IT HAS NOW SPREAD TO ALL 3 AGENCIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: TX

Complaint narrative:
Starting 2 years ago I started seeing a XXXX XXXX address on my list of addresses. I knew this was incorrect and tried to dispute it to no avail. I left it alone until I went to XXXX XXXX and looked up XXXX XXXX XXXX. Well lo and behold there is a XXXX XXXX XXXX ( which is my name as well ) living in XXXX XXXX, TX. 
So a few months down the road I am checking my credit report and it is claiming I have opened accounts that are not mine, and loans that are not mine. I went to dispute them but could not pass the identity questions because I don't have a car loan-she does- I don't have a retail credit card- she does so I was locked out. I finally called and spoke to someone at XXXX  and explained the problem and they said I would have to fax them a picture of my drivers license, social security card, and a bill. I did this. When they sent my results to me they sent it in an email and with the same identity questions, I ALWAYS FAIL.NOW, THEY WON'T SPEAK TO ME ON THE PHONE REGARDING THE ISSUE BECAUSE OF PROTECTING MY IDENTITY. IT HAS NOW SPREAD TO ALL 3 AGENCIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have two accounts that have been paid/ settled. Syncb/Walmart and XXXX/XXXX both accounts have been disputed three times I even included a letter from the creditor as proof. They continue to report as charged off and it's hurting my credit score. I have now reported both companies to the XXXX in hopes of getting this corrected. I don't know what else to do. Please help 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 2019-07-03 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: VA

Complaint narrative:
A XXXX certified receipt mail letter was sent to TransUnion and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded TransUnion that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to TransUnion to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. As of today, XX/XX/2019, TransUnion has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, the company updated my credit report stating that the item was investigated and verified as accurate. The debt listed was not changed because TransUnion " verified '' ( with no paperwork ) that the information reported was accurate. TransUnion is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself provided by XXXX XXXX. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit report thru experian states a debt with XXXX XXXX. There are a couple issues which I have repeatedly attempted to address with XXXX over the past several years and recently Experian. States that in XX/XX/XXXX an account was opened by me. In fact I was going through a divorce and my ex husband went into XXXX and split a joint account without my authorization which opened a new account in my name without my signature or authorization. Upon our divorce I discovered this and included debt in joint bankruptcy. My attorney was XXXX XXXX of XXXX Indiana and Case Number XXXX of the XXXX XXXX of Indiana Bankruptcy Court. I repeatedly addressed the issue with XXXX to no resolve and have never been supplied with a copy of the contract signed or identification used in opening account. Both requested multiple times. XXXX and XXXX of XXXX requested dispute through Experian explaining all issues and they stated account verified but again no documentation or verification method and identifiation has been sent to me after 2 attempts to get this item removed from my credit report. It is a false account and even though it was not my account included in a bankruptcy as it was my ex husbands false and unverified doing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Sometime in XX/XX/XXXX a Wells Fargo Credit card was sent to me in the mail. I don't remember applying for the credit card. Wells Fargo opened the card under my name without my consent. But I decided to keep the card open because of the cash back points. I mentioned this to a Wells Fargo Rep a few days ago, and they closed my credit card. Erasing a 3 year tradeline on my credit bureau & running down my credit. I called the Wells Fargo fraud department on Friday XX/XX/XXXX. And the Wells Fargo rep said they would rush a new card & that I would receive it Monday. Monday come around & I receive NO card. So I called the Fraud department back and they said that I would have to go into a Wells Fargo branch to show my ID. So I went into the Wells Fargo Branch on Monday XX/XX/XXXX with my ID 's. The Wells Fargo banker called the credit card support help. And after one hour inside the branch they said the card is closed. Wells Fargo has wasted my time, ruined my credit, and committed FRAUD. Wells Fargo is an unethical company. With unethically employees. They told be if I want the card back that I would have to apply for it. So I applied for it officially. And Wells Fargo declined me because the inquiries on my credit bureau. My credit is good, but they said the inquires is why the declined me. Wells Fargo will only approve me for a card when they fraudulently open one under my name. I have consulted with an attorney from my wife 's law firm who said if there is a case she will take it pro bono for the experience. If Wells Fargo does not resolve this Legal action is coming.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 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: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I've had my fifth third credit card account on auto pay for the last 12 months and I just checked my credit and it says that i have a 30 day late payment on the credit card. The money was taken out of the account and paid. It should not be appearing as a late fee on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: KY

Complaint narrative:
XX/XX/2019 I noticed a late payment reported by FedLoans. I have not had any contact with this company about a payment or had received a notification regarding a payment due. I had a loan payment agreement with XXXX XXXX. After making payments with them to process the loan they were involved in a lawsuit and my payments were no longer taken from my bank account. Then I noticed on my credit report that I was late on a {$20.00} payment with Fedloan which I was never notified of. I then contacted Fedloan to see how and what the late payment was from they stated they had sent a notice to me and I was late for my student loan. They never established a payment agreement of any kind nor had they ever contacted me for this payment. I have since tried disputing the incorrect reporting and Fedloan processed my dispute as I did have a loan and the loan did belong to me. I never disputed having a loan I disputed Fedloan establishing a payment agreement without my knowledge or consent. The representative at Fedloan states they sent a letter to me but they did not have my address verified nor did they provide any proof any letters were ever sent.This has made a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have two accounts that have been paid/ settled. XXXX and WFXXXX   both accounts have been disputed three times I even included a letter from the creditor as proof. They continue to report as charged off and it's hurting my credit score. I have now reported both companies to the XXXX in hopes of getting this corrected. I don't know what else to do. Please help 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 non-monetary relief
Consumer complaint received 2019-07-03 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: SC

Complaint narrative:
I have two accounts that have been paid/ settled. XXXX/XXXX and XXXX/XXXX both accounts have been disputed three times I even included a letter from the creditor as proof. They continue to report as charged off and it's hurting my credit score. I have now reported both companies to the XXXX in hopes of getting this corrected. I don't know what else to do. Please help 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 2019-07-03 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: FL

Complaint narrative:
Two accounts on my credit profile are continuing to show wrong status & account balance. I have contacted the credit bureau before. 

XXXX - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief