vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I went into a store that was still XXXX and XXXX Colorado on XXXX XXXX around XXXX or XXXX of 2020 and paid cash for a phone and had the receipt and still do. But whenever I mentioned I had to receive that was whenever I contacted XXXX multiple times, tried to go to the store immediately after finding out only to find out that the store have been shut down due to a XXXX XXXX and never reopened because they were shortly bought out by XXXX. I have discussed this issue with rent multiple times before and after they were bought out by XXXX getting hung up on or told I would call back by somebody that would be able to help, XXXX  has not been able to help either. The charge is for a cell phone that I sent in to get replaced and never got back so not only were they able to still almost {$400.00} cash and ruined my credit, but they were able to still an entire phone from me as well. Like I said I do have proof of all this as well as well as the receipts. I have even contacted and disputed the charge with XXXX XXXX but they said that the charge is verified even though I have attempted multiple times to get them to prove my debt, knowing that they won't be able to as I have the receipts of the pay bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 Collection account for {$2200.00}

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 2022-03-24 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: KS

Complaint narrative:
I have been sending Equifax letters on top of letters on top of letters. All the way back to XX/XX/21 that would be over 270 days if my math is correct. Their reporting is completely wrong and they keep telling me that it is VERIFIED. When i ask how the verified it as accurate, then they just ignore me. When i ask them to comply and do their job they ignore me. They are the ones that have taken it upon themselves to report credit information and they have a duty and standard that they must follow and they have completely failed at that, I think they may be ignoring me because i am a XXXX women in XXXX, which is a whole other set of ways they are violating 's me. How can they just ignore me and report false information at the same time. This one account has over 10 different errors in reporting yet they don't care. They don't even have my permission to report this information on my behalf and i was never even given an option to out opt. So i don't know hoe they are legally able to keep reporting this XXXX XXXX XXXX XXXX  on my credit profile? It needs to be removed and deleted now i can no longer be discriminated against, and lied to by Equifax credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One 360 closed my account after an interaction with one of their Fraud Reps. They closed.my account with a balance they owed. Then they begin reversing every dispute on my account so that I carry a negative balance instead of them owing me over {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: KS

Complaint narrative:
I have been sending TransUnion letters on top of letters on top of letters. All the way back to XX/XX/21 that would be over 270 days if my math is correct. Their reporting is completely wrong and they keep telling me that it is VERIFIED. When i ask how the verified it as accurate, then they just ignore me. When i ask them to comply and do their job they ignore me. They are the ones that have taken it upon themselves to report credit information and they have a duty and standard that they must follow and they have completely failed at that, I think they may be ignoring me because i am a XXXX women in XXXX, which is a whole other set of ways they are violating 's me. How can they just ignore me and report false information at the same time. This one account has over 10 different errors in reporting yet they don't care. They don't even have my permission to report this information on my behalf and i was never even given an option to out opt. So i don't know hoe they are legally able to keep reporting this XXXX XXXX XXXX XXXX  on my credit profile? It needs to be removed and deleted now i can no longer be discriminated against, and lied to by TransUnion credit Bureau.

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 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Debt Collection Practices Act noticed is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information on your website, company records, of any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy right wont be violated again due to lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and Fact, affiant is aware and had proof in the attachment labeled as Exhibit A and Capital One Bank USA ( XXXX XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX ), XXXX XXXX XXXX XXXX ( XXXX XXXX ), is in violation of 15 USC 1681n ( b ). 

Thank You, I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do require subrogation of the bond to settle the charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I was using PayPal and Venmo until PayPal permanently closed my account without any explanation and is keeping my money hostage. Then, Venmo closed my account without any explanation. Both companies are saying they can't tell me the reason but I m supposed to just accept it. This is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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:
Hello my name is XXXX XXXX XXXX, I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am A Victim of identity theft and did not make the change. At this time I need the items be deleted to correct my credit report. I have also reported the theft of my identity to the federal trades commission and have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the following information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: CA

Complaint narrative:
Hello my name is XXXX XXXX XXXX, I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am A Victim of identity theft and did not make the change. At this time I need the items be deleted to correct my credit report. I have also reported the theft of my identity to the federal trades commission and have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the following information as soon as possible.

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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
My card was stolen after I made a purchase at a local package store on XXXX XXXX. 3 hrs later I saw all of these charges on my card and immediately alerted Chime Bank. They cancelled my cards and sent new ones. I filed police reports, sent screenshots of what I was talking about and did everything that Chime asked me to do to " prove that it wasn't me using the card '' to no avail. Four months later and they won't refund my money and they will not give me specific reasons that my disputes were not accepted and they won't advise me what I can do to get it approved. I was hustled twice. Spoke with managers and still nothing. They agree that {$370.00} in small purchases at convenience stores that I have never shopped at and sending XXXX  funds to someone on a card that I have never used XXXX  on are all signs that my card was stolen but they refuse to make me whole. I have disputed their " investigation '' twice now and all that has changed is that it is four months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
My Bill is paid they cashed the check I asked them to stop harassing me. I am hoping you can stop this Constance harassment, from XXXX XXXX Collection Bureau of America . 
Last year I attempted to pay some bills that was on my credit report. I sent out several Satisfaction of Accord letters to creditors on my credit report. Two other companies accepted my offer, and one was returned. 
The first letter was to let to the creditors know that I would be sending them a payment within 15 days to settle an account on my credit report. If they rejected to let me know and, if they do not reject to expect a payment. 
Around the 15th day I sent them a " Satisfaction of Accord '' stating in the letter and on front and back of the XXXX also, in the memo section that if they cash this XXXX they are agreeing to the terms in the Satisfaction of Accord. Instead of XXXX returning the XXXX they cashed it with full knowledge of its purpose. And they continued to pursue me for the money. Copy attached of XXXX. 
I sent a letter to all three credit Bureau letting them know that this bill was paid with a Satisfaction of Accord alone with copies of the two letters and the XXXX, but they still allowed it to stay on my credit report. 
Please help me stop this Constance harassment and embracement that they are doing to me. I set up a payment arrangement and they accepted it and still coming after me for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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 requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2022-03-24 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: TX

Complaint narrative:
I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Personal Finance Center
State: GU

Complaint narrative:
I am filing this complaint against Personal Finance Center that they have indicated in their response that they have given me a 5 month deferment, which is not true, I was never called and informed about the deferment, i did not signed any deferment documents and they have not provided me with any proof of the document, I replied back on the feed back, I did not get any response from them on the feedback, the only response I received was the notice of foreclosure sale, they have not made any attempts to contact or offer to assist me with options in regards to mortgage payment, I was the one who approached them asking for assistance, I explained to them that I am a retiree and my salary is not the same as when I was an active employee and what can they do to assist me, their response is that they can not help me and that i just have to pay the amount or they will foreclose on the house. It seems that Personal Finance Center do not want to help their customers who are struggling to pay their mortgages, they simply just want to foreclose and take your house away, that is why i am filing this complaint. I disagree that i was given a 5 month. deferment, they do not want to assist me in any way, their response was a " notice of sale ''. I am requesting that the CFPB look into the practice of Personal Finance Center on how they handle situation like this.

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 2022-03-24 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: TX

Complaint narrative:
I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-24 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: CA

Complaint narrative:
On XX/XX/XXXX, Wells Fargo Bank reported my Wells Fargo Credit Card as being " 30-days late. '' Beginning as early as XX/XX/XXXX, I sent Wells Fargo information that said, paraphrasing, the following : " a ) that On XX/XX/XXXX, I spoke with a representative from Wells Fargo about my account and due date. 
b ) that She informed me that my account was not late ; c ) that my next due date was not until XX/XX/XXXX ; and d ) that my payment would be late ( not thirty-days late ) starting only XX/XX/XXXX. 

Because of this XX/XX/XXXX, I was not made aware in advance by Wells Fargo of any late payment. '' Up until late XX/XX/XXXX, each of Wells Fargo 's reply letters said the following two items, again paraphrasing : 1 ) Weve completed our research and are ready to share our findings. 
2 ) Wells Fargo is required to report factual and accurate information to the credit bureaus under the Fair Credit Reporting Act ( FCRA. ) I have made REPEATED request for Wells Fargo to confirm and to acknowledge the XX/XX/XXXX telephone call that I had with a Wells Fargo Representative. 

On XX/XX/XXXX. They replied via letter and informed me, again paraphrasing, that they have no record of the call. 

Importantly, they state in their XX/XX/XXXX letter that each telephone call " may '' be monitored ; but they state that it does not mean that each call is for sure monitored. 

Because they have no recording of the call, they assert, wrongfully, that the call did not take place. And further, that they can not remove the 30-day late. 

Their XX/XX/XXXX letter is not a flat denial of my assertion that the XX/XX/XXXX took place. Rather, they state they have no record of it. 

It is a non-denial, denial of my fact. 

This is impossible for me to prove. 

yet, I have provided explicit details of the call, included many points of the conversation. 

And I hereby assert and affirm that this XX/XX/XXXX call took place. And at this time, I was not advised or warned or provided advanced notice that my account was in jeopardy of being 30-days late. It is a requirement of the Fair Credit Reporting Act that the lender and/or bank must inform the customer of any late payment ; especially if one is about to be 30-days late. This did not occur on XX/XX/XXXX, nor any time prior to XX/XX/XXXX. 

This is a clear violation of the Fair Credit Reporting Act. 



Regards, - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: GA

Complaint narrative:
A charged off XXXX XXXX account is reporting my credit report that never belonged to me due to Identity Theft. The amount is {$250.00}. I don't let accounts go unpaid, I can spend {$250.00} on a dinner, so if it was mines I would've just paid it no problem. My credit has no unpaid accounts. This account is fraudulent and needs to be removed immediately from my credit report. 

I Have Never Lived At The Address Associated With This Account. The service address is stated as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX I have never lived there ever, and I didn't start this account. My wife actually has been taking care of this utility service for our residence during the dates of this fraudulent account service at this false address so I wouldn't have needed this service to begin with. We had gas service at our real address during this same timeframe under her name. We never even lived in the county of this address during the dates of this service. 

This matter was not properly investigated by this bureau. By the Fair Credit Reporting Act, this account needs to be removed. It is both false and inaccurate. My rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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