vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 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: GA

Complaint narrative:
after reviewing my credit report I sent a dispute letter to Transunion, XXXX  and XXXX  on the inconsistent accounts and inaccurate information account XXXX  XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX  XXXX XXXX  XXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX  XXXX XXXX  XXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account XXXX  XXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.

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 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
The company XXXX has put my debt In collections. I open it XX/XX/2019 & paid off any debt i owed. This new debt that is in collection I have no knowledge of. I left the company with everything paid off. Now I have a negative balance under my credit & I cant open any phone line. Im going through financial stress because of this & need it remove. I dispute the issue at-least once a month with no solution. I want to fix this issue as soon as possible. The amount is {$1500.00}. The collection agency the debt is in is called consumer outsourcing inc. this is very unfair & is a billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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:
I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX all have fraudulent accounts on my credit profile that needs to be removed immediately.

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 2021-09-01 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: GA

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX all have fraudulent accounts on my credit profile that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
On XX/XX/2021 I opened an account with Transunion with the need to check my credit score. I was advertised that it was a free service but after completing the account I was charged XXXX XXXX This information was not clearly presented to me during the process and although I was a little annoyed I did not take any action. Four days ago I was checking my back account and saw that they once more automatically charged XXXX $ on my card ( on XX/XX/2021 ). I did not requested for any subscription but apparently this is a tactic they use. I logged back on Transunion online account to cancel this subscription and they have no clear way to do so. Online you can find several people in the same situation trying to cancel the subscription and failing. The only way to do so is to call them, but even this results difficult due to the poor customer service.

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 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Recovery Solutions Group, LLC
State: PA

Complaint narrative:
Recovery Solutions Group , LLC Is a company I have never contracted with. now they are stating I owe them money which is a lie I have never contracted with them so there is no money owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WE SOLD A VEHICLE ON XX/XX/2021 AND WERE GIVEN A CASHIERS CHECK FOR PAYMENT. WE DEPOSITED THE CHECK ON XXXX TO OUR BANK WELLS FARGO AND WERE GIVEN A DATE OF XX/XX/2021 FOR THOSE FUNDS TO BE RELEASED. THAT DATE CAME AND FUNDS WERE NOT RELEASED. WE IMMEDIATELY CALLED WELLS FARGO TO FIND OUT WHAT HAPPENED AND WERE GIVEN A MESSAGE TO CONTACT THE ISSUER OF THE CHECK. THIS WAS THE MESSAGE THAT WAS GIVEN TO WELLS FARGO. XXXX XXXX XXXX WAS WHO ISSUED THE CHECK.. THEY TOLD US THE FUNDS WERE RELEASED ON XX/XX/2021 AND THAT EVERYTHING WAS FINE. WELLS FARGO IS SAYING NOTHING OTHER THEN THEY HAVE NOT RELEASED THE FUNDS AND THE ISSUE IS WITH XXXX  XXXX XXXX. THE CHECK WAS FOR {$19000.00} DOLLARS AND WE HAVE YET TO RECIEVE A LOGICAL EXPLAINATION OF WHO HAS THE FUNDS AND WHERE THEY ARE. BOTH BANKS ARE BLAMING EACH OTHER AND NO ONE HAS A DIFINITIVE ANSWER. WELLS FARGO IS SAYING THAT XXXX  XXXX XXXX HAS NOT RELEASED THE FUNDS AND XXXX XXXX XXXX IS SAYING THAT WELLS FARGO HAS NOT RELEASED THE FUNDS.

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 2021-09-01 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: U.S. BANCORP
State: NY

Complaint narrative:
I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2016 with a balance of {$6300.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.

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 2021-09-01 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: AL

Complaint narrative:
Data furnisher XXXX and credit reporting agency Equifax failed to comply with the agreed-upon industry-standard of reporting - XXXX Metro 2 " Reasonable cause '' . 

XXXX # XXXX is reporting in clear violation of the FCRA and Metro 2 . ( reasonable cause ) Specifically, the furnisher must not furnish information it knows or has reasonable cause to believe is inaccurate. Inaccurate information is those items that at least one CRA already has determined to be inaccurate, incomplete, or unverifiable. For example, a CRA that concludes, after reinvestigating a consumers dispute, that an item of information is inaccurate or incomplete or can not be verified must notify the furnisher that the information has been modified or deleted. ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Such a notice should provide reasonable cause to believe that the information is inaccurate and meets the further requirement that its basis is more than solely allegations by the consumer. In that case, a furnisher must then cease reporting the information, not simply because of the statutory mandate, ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) but also in the interest of maintaining consistently accurate information among the various CRAs and helping meet the separate directive that severely limits the reinsertion of deleted information. 

XXXX and XXXX both have deleted this account after their re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
This is my second complaint about this company. They have inaccurately reported to the credit bureau AGAIN and negatively impacted my credit. The company has responded to my previously complaint # XXXX with LIES. I have NOT received any communication from this company regarding the debt or my ability to dispute the debt. 
As per their communication to your office they indicated Sunrise sent multiple written correspondence detailing the account and containing all required disclosures, but we were never able to reach Ms. XXXX via phone '' This is not factual information. My rights under the FCRA are not communicated by phone. I have never received communication from this company. 

Further your company reported this information excessively. 
Your response on XX/XX/21 stated " Sunrise has also sent a deletion request to the credit bureaus to which it reports on behalf of the creditor to remove any negative trade-line it may have reported Sunrise will no longer be involved unless we can be of assistance to your office or the consumer directly '' Now. LESS than 30 days from the company statement, this information was reported again to the credit bureau. This furthers my claims of excessive collection activity. 
Cease and desist with this predatory practice. 

REMOVE THIS INFORMATION and STOP PROVIDING FALSE STATEMENTS TO THE CFPB. I WILL PURSUE MY RIGHTS TO SUE YOUR COMPANY FOR VIOLATION OF MY RIGHTS.

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 2021-09-01 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: CITIBANK, N.A.
State: OR

Complaint narrative:
Citi closed my account due to 3 clerical errors I made that happened when I was trying to pay more than. what was required. 

Then, they confiscated half my rewards $ $ as well. This was a percentage of charges I was promised if I used the card. Do not see how they can justify taking away this amount that I had already earned.

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 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: PA

Complaint narrative:
On the first week of XX/XX/2021 i sent out a debt validation letter and i still have not received a response. According to 15 usc 1692g they were supposed to send validation within 5 days of receipt of this letter which they have not done. This is a violation of the FDCPA. Since they can not verify this ALLEDGED DEBT they are currently violating 15 U.S. Code 1692j by furnishing false and deceptive forms on my consumer report. They are also violating 15 U.S. Code 1692f by using unfair practices in trying to collect an ALLEDGED debt as well. This is also an alledged medical debt. By furnishing my consumer report with this, RS CLARK AND ASSOCIATE is violating HIPPA laws as well. I demand this be removed from all of my consumer reports and I demand for this company to stop trying to collect debts that they CLAIM are mine. They are violating many of my right so if not action is taken I will be seeking monetary remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TX

Complaint narrative:
ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX Several states such as Texas and Oklahoma have recently passed state legislation on the reporting of medical debts. There are restrictions either dealing with the reporting of medical debts in general, or if a pre-determined good faith estimate was issued before services were performed or after emergency services. Accordingly, I live in such a state where my right are protected from aggressive medical debt collections and their longstanding abusive effects. As in Senate Bill 1037 by Sen. XXXX XXXX, R-XXXX, and Rep. XXXX XXXX XXXX, D-XXXX, which was signed Friday by Gov. XXXX XXXX. The law takes effect immediately and represents a major step in protecting consumers from the longlasting damage that can result from surprise billing in Texas, where patients are at an uncommonly high risk of receiving expensive surprise bills. The law requires the exclusion of medical debt from a patients credit report in limited circumstances : if the patient had health coverage at the time of the health care service and if the collection account is related to billing for an outstanding balancenot including a copayment, deductible or coinsurance owed to an out-of-network emergency care or out-of-network facility-based provider. Your agency must delete all references to medical debt collections effective immediately. 

DELETE THE AFOREMENTIONED MEDICAL DEBT COLLECTION FROM ALL CREDIT BUREAUS!!! 

Thank you for your full consideration in this matter. 

Sincerely, 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 2021-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I awoke to an email from my bank ( Wells Fargo ), that welcomed me for my two new accounts. When my branch opened I was the first person there and showed my banker the issue. She looked into it and spoke to the " back office '' and told me the process was to close the accounts, CLOSE my account and open a new account for me. They also suggested I contact the credit bureaus and let them know. I received a new account, new checks and a new debit card. I also had to change at least eight direct debits ( provide creditors a new acct number ). NEVER did they help with that process, offer credit counseling/monitoring or any assistance. I asked for a full report on how it happened ( IP address, etc. ). A week later I was informed they did not have that, although a District XXXX told me over a month later they were able to trace it to an IP address close to me. Then approximately six weeks later on XX/XX/XXXX THE SAME THING happened again. Two accounts opened online in my profile. This time they asked if anyone had my log in credentials ( NO ) or if I had been hacked ( no evidence anywhere in my credit profile ). This time another banker at the same branch, who seemed like she was on the job for about a day, relayed to me that the back office did NOT suggest I close any of the accounts, including the fraudulent ones. They suggested I just put a hold on the fraudulent accounts, so they could investigate and I could use my regular account as usual. I had a substantial wire transfer due the next day and I didn't feel safe with their security procedures, so I told them to hold my account and I stopped the wire. Delaying my payment by two weeks. I went without an account to do any banking for five days. During those days they told me they wanted to close my account and open a new one, and then they said they would close the fraudulent accounts and leave mine open. In short they had NO IDEA what to do. Meanwhile I went thru the same process with creditors and credit bureaus, which now resulted in a one year fraud alert and freeze. I also filed a police report with all my documentation. Today, the XXXX XXXX XXXX XXXX, who I was told would investigate and provide a viable solution and possibly compensation, sent me a letter basically just rehashing what I just explained with no resolution. Luckily, I did not lose any money, but the inconvenience should be compensated and Wells fargo should provide a minimum one year credit monitoring and an APOLOGY. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
GS services has committed perjury through mail. They have tried to collect an ALLEDGED debt from me and in doing so they claim that XXXX is the ORIGINAL CREDITOR. This is a false representation of a consumer transaction and they are using this lie to try and get me to pay a debt that is not mine and which I do not validate. In any consumer transaction the CONSUMER is the original creditor because they extend their credit and this is defined more in the TRUTH IN LENDING ACT. GS services knows this and decided to lie to collect money from me. They also violated FDCPA law 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; They sent me mail stating that I owe a debt which is against the law for them to do so. I have attached both pieces of mail, one of them falsely stating that I am not the original creditor and the other of them saying I owe a debt. I demand for this collection to be removed from all of my consumer reports and I demand monetary remedy for violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/2021 I received a letter in the mail from XXXX XXXX XXXX XXXX requesting payment of a {$250.00} debt. The original debt was from a XXXX/XXXX  XXXX XXXX account ( # XXXX ). XXXX XXXX XXXX was offering a settlement of 50 % of the balance ( {$120.00} ) to satisfy the debt. They instructed me to make the payment at XXXX XXXX XXXX On XX/XX/2021, I made a payment in the amount of {$120.00} at XXXX XXXX XXXX to satisfy the debt. On XX/XX/2021, I received a notice from Resurgent Capital Services/LVNV Funding that the payment was processed and posted to my account ( See attached proof of payment ). The debt is still listed on my credit report and is negatively impacting my credit score. Not only is the debt still listed, it is reported multiple times by XXXX/XXXX XXXX and RESURGENT/LVNV FUNDING with the same account number, and for the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I made a payment of my full balance with Capital One, after submitting the payment via the on-line system, I then closed my account through my on-line log in. 

The payment of {$1600.00} left my XXXX account the next day, yet a week later Capital One still shows a balance of {$1600.00}. I was told since I closed my account after submitting payment, I caused an error in their system. The representative stated they could clearly see the {$1600.00} payment being made in the transaction history, yet it wasn't showing in the payment history. Basically Capital One lost my ACH payment and did not credit it to my account. I feel like they stole money from me and am not sure what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01 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: IL

Complaint narrative:
These bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation " 15 USC 1692e ''. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA.

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 2021-09-01 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:
I have been a victim of identity theft. Therefore, I submitted an FTC report to have all accounts deleted, but they failed to do so. I also, NEVER gave them permissible purpose to furnish any of the information included on the FTC report neither. Therefore, this false information should be deleted since they are violating my rights as a consumer.

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