vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-13 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: MD

Complaint narrative:
I've reported this dispute several times. 
XXXX has updated my credit based on my report and XXXX ; along with Equifax have yet to update the lateness 's on my report. I had a loan and stated I went 30,60,90 days late on an account while making payments on all of those months That doesn't make sense and missing a payment as small as {$19.00} for 3 months while making a considerable amount of money doesn't make sense either. 

That is not possible. 

I paid all of my payments on time 4 screenshots will be attached two are my XXXX payment history one is the updated report by XXXX based on the screenshots and information that should be updated this way on Equifax & XXXX The last is how it shows on Equifax ; along with XXXX You can not go 30,60,90 days late on anything while actively making your payments. 
The only way this will happen is if you're near defaulting on whatever loan or account Even if, the payments were late. they are made on a 14 day biweekly payment system - Whatever payment was made would still just rollover to the next two week period and never report as late. 

This is the last time I'm reporting these issues and the next will have to be legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: MD

Complaint narrative:
I've reported this dispute several times. 
XXXX has updated my credit based on my report and Experian ; along with XXXX have yet to update the lateness 's on my report. I had a loan and stated I went 30,60,90 days late on an account while making payments on all of those months That doesn't make sense and missing a payment as small as {$19.00} for 3 months while making a considerable amount of money doesn't make sense either. 
That is not possible.

I paid all of my payments on time 4 screenshots will be attached two are my XXXX payment history one is the updated report by XXXX based on the screenshots and information that should be updated this way on XXXX & Experian The last is how it shows on XXXX ; along with experian You can not go 30,60,90 days late on anything while actively making your payments. 
The only way this will happen is if you're near defaulting on whatever loan or account Even if, the payments were late. they are made on a 14 day biweekly payment system - Whatever payment was made would still just rollover to the next two week period and never report as late. 

This is the last time I'm reporting these issues and the next will have to be legal action

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 2019-07-13 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: FL

Complaint narrative:
To Make a long story short I and 3 other family members signed a rental contract with XXXX XXXX 4 Rent.They filed evictions against us wrongfully with lies such as non payment of rent we forwarded copies of rent receipt ; copy of money order for the month that month which they refused to take we paid our rent every month in full.they also lied to courts said that utilities was included with rent.Our utilities was being paid monthly directly to XXXX XXXX XXXX if we did not pay XXXX we would lose our utility services we received billing from XXXX every month.proof of that to XXXX totally refused that month rent ; file evictions with lies.City code officer inspected the house at time of our occupancy and found bad mold which we should not have ever been continuing to live with anyway we told XXXX they refused to correct. we reported all info with answer to eviction summon also copy of money order and copy of email from XXXX that money order was refused and keys was demanded.so actually XXXX really just gave us back the rent money really.Final Judgement only ruled us to give them they property and we did they kept our {$14000.00} deposit unjustly. The Judge did not order any money owe to XXXX and closed the judgement final. XXXX now has XXXX XXXX reporting neg on my credit report.still they was deleted from all other parties credit report I do not owe XXXX or XXXX XXXX either I should have fair treatment as well we all went through the same thing.Neither one of us owe them and should not be on either of our credit report. we have no money owed with a judgement against us for XXXX even the clerk of court will tell you that they tell us

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 2019-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had my identity stolen on or around XX/XX/XXXX of this year. The problem is with Wells Fargo Bank and their reaction to and acknowledgement of the crime. I notified the issues, because I was first notified by my energy company XXXX XXXX. First I went to go pay a bill to them that suddenly was considerably larger then the paper bill I had just received. After a few transfers I was told that someone ( hacker ) had stolen my identity through the XXXX XXXX system, which is how I've always paid the bill, they told me that the hacker had " disputed '' my payments going all the way back to XXXX of 2018. They froze the account. By doing so they didn't allow any more months or payments to be stolen. I then notified Wells Fargo. I also called the attorney general of Florida who gave me steps to follow to warn all the creditors and lenders. Wells Fargo at first was very helpful. But, some where along the way their fraud department decided they wouldn't claim their lack of security. They are flagging my account, charging me some of the disputed funds and not allowing me to open another account, there or at any other banking institutions. Even though I have filed a police report and filled out and had notarized Florida 's theft identity kit. I was told by the attorney generals office to file a complaint through this institution.

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 2019-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
After losing a personal business, I filed chapter XXXX and entered into a payment plan with capial one auto finance. As of XX/XX/2019 I paid off the auto as agreed. According to Capital one an additional {$940.00} was added to the loan, but I was never notified. Finally, more than 6 months after the chapter XXXX has ended capital one has added an additional {$10000.00} dollars to the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I received a letter from the IRS LTR 5071C on XX/XX/2019 I scheduled two appointments however failed to make them both. Ultimately I went to the IRS building in XXXX, FL but didnt call to schedule an appointment or bring in my letter with control number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA partners with XXXX, an instant money transfer service. XXXX is advertised as being the safest way to transfer money because it is linked directly to your bank. However, it is a known danger as it is specifically requested by scam artists due to the speed and lack of protections from XXXX or the bank. 

I was a victim of a scam to buy tickets, and {$400.00} was transferred to a scam artist on XX/XX/2019, via XXXX on my USAA mobile app. It was requested by the scammer, and I was unfamiliar with XXXX but knew it was touted to be safe because it went through USAA. 

As soon as the transfer was completed, the scam artist turned the phone number off so it was no longer in service. I immediately called USAA and was told there are no protections and there is not a way to cancel the transfer. 

I filed a dispute on XX/XX/2019, with USAA and was told quote " XXXX is a personal money transfer service and does not provide purchase protection. The transfer was completed as requested and any dispute must be resolved with the user to whom you sent money to. '' After spending close to six hours on the phone with USAA this week, I was told I signed up with XXXX with fine print that said not to send money to people I did not know. I have decided to leave a bank I've had for years because of the trust I put in the bank to provide safe services via their mobile app. 

I am filing this complaint because I feel consumers need to be made more aware of the ease in which scam artists are using XXXX. There is a false sense of security when you use your bank 's mobile app to enroll and use XXXX, and scammers know this. USAA even said they know it is a problem and have " made their members aware via a FAQ on their website. '' This is not enough. I believe banks that make XXXX available should send a physical letter letting them know the dangers associated with this service, especially since it is known by them to be an issue. 

I am very disappointed in the lack of protections offered by banks when their customers use XXXX because of the false sense of security. If you can not trust your bank to protect you, then who can you trust? Maybe I should ask the scammer when I also ask him for my money back ... 

I do not have any documents to upload because USAA refused to comply with my request for the documents. We've asked for the documentation used to deny my dispute as well as the terms and conditions I agreed to when signing up with XXXX. However, they refused to do so each time, despite the statement in my denial of dispute email that stated : " If you have questions or would like to request copies of the documentation or information we used to make this decision, please call us ... '' Therefore, I have nothing to attach, unfortunately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have two collection accounts with Resurgent Capital Services under LVNV Funding both for a XXXX XXXX credit card ... ..Re : XXXX for {$1500.00} and the second one acct number XXXX. 
The first debt collector for both accounts was XXXX XXXX XXXX in which I will be sending in. 
In both debt validation letters sent to both debt collectors I requested the following not only according to FDCPA regulations but as well under the Texas FDCPA as well as the Texas Finance Code.

1. Agreement with the original creditor that authorizes you to collect this alleged debt ( FDCPA Sec. 1692f ( 1 ) as well as under the Texas Fair Debt Collections Act.

2. An agreement bearing my signature stating that I have agree to pay them for this charged off debt.

3. A payment history from the beginning of the debt showing the original debt amount as well as how the debt was incurred. New standards that were put in place by the XXXX XXXX in 2014 after entering a decision in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 
4. I also requested the documents they must file with the Texas Secretary of State making it legal to collect in our state. 
I sent this request to them more than once as you can see from the letters I will be sending and their response to me was that they reviewed the file and found the debt was valid but did not provide me the information as per the FDCPA, TFDCPA as well as their legal authority to collect in my state under the Texas Finance Code. 
I recently learned they reported both of these accounts to the credit bureas in which I am in the process of disputing. 
I am sending you all the information pertaining to both accounts as well as the requirements under Texas and Federal Law.. 
I want the CPFB to review the federal violations they have committed and that this file be removed from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, Midland Funding LLC filed a false claim against me in the District Court of Maryland   for XXXX XXXX stating they were the owner of an account I had with XXXX XXXX   in the amount of {$1000.00}. An Affidavit of Service was filed with the court made with false statements that the Process Server personally served me on XX/XX/XXXX, which is completely false. I was never served by this processor. A Bill of Sale was filed with the Courts which was dated XX/XX/XXXX and stated it is by and between XXXX XXXX XXXX , XXXX, a XXXX   XXXX XXXX XXXX ( the " Seller '' ), and Midland Funding LLC, a XXXX XXXX XXXX XXXX ( the " Buyer '' ). The Bill of Sale is clearly from a junk debt buyer and does not mention my name, social security number, and original credit account with XXXX XXXX. Midland Funding LLC is not the legal account owner of any accounts I previously had with XXXX XXXX. I was not an educated consumer and was intimidated after finding out I had a judgment against me and was receiving a notification that my wages were going to be garnished in XXXX of XXXX and I contacted the Attorneys, XXXX XXXX XXXX  XXXX, who represented Midland Funding LLC according to the notice I received. I made payments to avoid a garnishment after the law firm used deceptive tactics to make me believe I owed them money. I had a lot of financial difficulties and could not afford to make payments continuously. I was not aware that Midland Funding LLC was not the legal owner of my account until recently after my wages were garnished and I started doing legal research and found out Midland Funding LLC had violated the Consumer Financial Protection Act of 2010, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. Midland Funding and the attorneys representing them did not verify that the records, including the Bill of Sale were accurate and legal before filing a lawsuit against me and causing me mental anguish and emotional distress by garnishing my wages. They will not attempt to prove standing and are now refusing to provide me documentation I am requesting to prove they are the legal owner of my account and had a legal license as a collection agency in the State of Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I have contacted this merchant several times in reference to this account. I placed order with furniture for less I was granted {$700.00} credit limit I ordered a XXXX XXXX that was no longer available and had been discontinued. Three days before delivery was expected I was advised I would not be receiving my bed that it had been discontinued. I had to call several times just to get a refund it took about 2 months to refund my money. I have disputed this twice and nothing has been removed. Acima Credit I opened this account XX/XX/XXXX not XXXX. Contact info XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: FL

Complaint narrative:
I send a letter and placed a call to Trans union on XX/XX/XXXX to dispute some errors on my credit report ... .the operators whom answer their XXXX are all located outside the XXXX XXXX their language skills on comprehension of the English Language are not the best and today i receive a letter saying they had put a fraud alert on my credit, when i ask for this to be removed via phone and via letter As well for the inquire XXXX XX/XX/XXXX XX/XX/XXXX Credit card and travel / entertainment companies to be removed since i had not done, Both were follow up with a letter, nothing got done, the credit bureaus are not following the law and doing what ever they want.

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 2019-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Immediate Credit Recovery
State: GA

Complaint narrative:
I have no debts and they are calling the wrong number. I have asked them to stop but they still call repeatedly.

Company response to consumer: Closed with explanation