vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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: MI

Complaint narrative:
I have been struggling to be able to get good rate to move into a better home but because of these fraudulent items on my report they are deterring my way of living and getting to a better lifestyle for me and my family. I have tried several times with these companies and they are refusing to remove the information. Please remove the following. 

XXXX - XXXX this account was never mine nor did I authorize this to be open or used my information without my consent. I have sent several request and they refuse to remove this. 

XXXX - XXXX - The information that is reported is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC
State: CA

Complaint narrative:
They keep calling my phone so often that it interrupts all other business I'm trying to do with my phone. It rings every XXXX seconds or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
closed account has a inaccurate information ( late payment ). I have called Bank of America multiple times, to discuss the inaccurate late payment but theyre not even able to find my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: DC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: AZ

Complaint narrative:
I submitted a dispute to all three credit bureaus about XXXX fXXXX acct XXXX It is reporting inaccurate information because it is a collections account and it is showing past due. A collection/debt buyer account can not show past due because they bought the account from another company. That is inaccurate and per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-19 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: TrueAccord Corp.
State: CA

Complaint narrative:
I have sent 2 physical letters, last letter sent XX/XX/2023 - did not receive a response by mail XX/XX/2023 -Received a response through the CFPB website, I do not agree with the outcome and it does resolve my complaint Went to XXXX  XXXX website to report unauthorized account dispute, website would not let me complete XX/XX/2023 - Called XXXX  XXXX by telephone was told by a representative that this account belongs to a third party called True Accord could not get that much information about the account history as I could was not giving much of my personal information because I was not consenting to give any of my personal information over the phone, I asked for a supervisor and she told me she would send a link of an affidavit I believe is the word she used to my email never received it, gave it 30 days no response. I just came back to the United States and I have not received anything responses since XXXX from XXXX XXXX True Accord has been harassing and threatening me. True Accord is a third party collection agency that bought this debt from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: MO

Complaint narrative:
we started with having autopay on the account but it took forever for landmark to take the payment via auto deduct from our checking account and they do not offer autopay on debit/credit cards. We cancelled the autopay not knowing it was sent to out bank already and made the payment online with our debit card and was charged a fee. Lendmark took the automatic payment as well. We contacted lendmark and was informed that they would need to clear and they would be able to reverse the payment they also asked for a screenshot of the account showing the completed trans action or a statement or our app. well for security resons our phones will not screenshot our banking app and when I took a screenshot of the pc site and sent it I was then told it had to have my name, account number and the completed transaction. I sent a screenshot showing the last 4 or the account, completed transactions and the only thing it doesnt show is my name on the page because it is on a whole different page. Lendmark then told me that it was not good enough because of my name and that it doesnt show the completed transaction. the sreenshot shows it is completed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
This card was only used once, fraudulently. I rented a moving truck to move but my house flooded and I needed to delay my move. So within the same day I called both credit card and rental company. They told me to deliver it back by XXXX and there would be no fee. 

During the course of this and inquiring about payments, the moving company actually tried to reverse the initial charge. MORE THAN ONCE. The credit card company did not authorize it, so it didn't get credited back. I opened a dispute with them, but they ended up charging even more. 

I didn't use the truck. It was returned within 12 hours of getting it. The rental agency tried to refund the charge and it's all USAA and their inability to hire competent representatives. 

A cancellation with the truck company would have been a small fee. But because USAA screwed up processing the reverse charge, they are charging me for the price if I actually used the truck, and not the small cancellation fee in the contract.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I applied for a personal loan with Upgrade Inc located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX, tel : ( XXXX ) XXXX. The total amount to be financed is {$17000.00}. The loan application # is XXXX. I called today to cancel my application and the loan and emailed them my request as well, however they told me it's too late because the funds are in process. They told my {$12000.00} is being funded to my credit card company ( XXXX XXXX ) and {$1400.00} to my personal checking account. I had XXXX  XXXX representative XXXX on the phone with me while speaking to XXXX at Upgrade Inc who told her XXXX XXXX may not be able to return the funds back to them. I kept telling them I don't want the loan any more and the representative by the name of XXXX told me its too late and its not possible to cancel. I told them I don't want the loan anymore and she kept refusing to cancel the loan. They also said that once my credit card company receives the funds that XXXX XXXX get send it back to them but my credit card company already said its not guaranteed that they will send it back to Upgrade Inc . When I told Upgrade I was contacting the Consumer Financial Bureau she finished up the call and told me to have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
On XX/XX/2023, I called Convergent Outsourcing and the agent and I agreed upon an amount to satisfy a collection from XXXX XXXX. I paid the amount agreed upon ( {$330.00} ) via credit card immediately and received a confirmation number of XXXX and a promise of a letter stating that I had paid the account in full and that the collection was closed and satisfied. 

When I hadnt received a letter or email, I called back on XX/XX/2023 and was told that while there were notations on the account saying we had reached an agreement and that payment had been made, it had not processed their systems and could I send a screenshot of my account showing where the exact amount was debited. I did as asked and sent it to the email address given to me, XXXX, along with the account number I was given. 

As it is now XX/XX/2023 and I have not received proof ( and this is delaying my mortgage pre approval ) I called again today and spoke to a supervisor who said they had done their part, that XXXX XXXX now needed to process the payment and let them know it was taken care of. When I told him that I had paid them, not dish, he reiterated that their part was done and it was on dish now. 

I called XXXX and the agent I spoke with said that once the debt passes to a collection agency, it is out of their purview and that the problem was on Convergent. I explained to the agent that yes, I did pay convergent over the phone, but my bank statement says that the payment of {$330.00} was processed by XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2023 so they should have record as well. She stated again that the collection agency was at fault. 

At this point, I dont care who dropped the ball, I paid the amount requested immediately, I sent my confirmation number and the screenshot of my statement showing the amount was debited and to whom it went and now all I want is this taken care of and removed from my credit report so that I may continue with my mortgage.

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 2023-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We recently filled a comment with CFPB, to intervene on our behalf to Wells Fargo the the results were very unsatisfactory and incorrect information was given back. The representative from Wells Fargo named XXXX who contacted me by phone, had assured me 3 different occasion that she would be sending a letter asking for detail. It has been two weeks and counting, she stated that the mail is slow, this was not a certified letter, and I do not understand why we haven't received it yet. I am expecting to see this letter. They have closed the complaint account without us having the availability to see what the letter was about, or for, or pertaining to this letter. I don't know how an account can be closed when there is incomplete information. This just proves, and verifies, the absolute circus of clowns that we have been dealing with from Wells Fargo over & over all these years. This is the exact thing that our original complaints covered, and the only thing we get back from Wells Fargo, is more continuation of flat out lies.

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 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RICHLAND HOLDINGS, INC.
State: CA

Complaint narrative:
I used to live in a house with my then husband., The lease was in his name, I have a copy. I moved out in XXXX and we got divorced. My ex-husband moved out in XXXX. The landlord sent us both to collections for {$3600.00}. I've tried disputing it with the credit bureaus, the landlord, and I sent a letter with a copy of the lease to the collection agency ( no response. ) I didn't get the original collection letter for me to dispute. My ex-husband is disputing the debt too for his own reasons. The debt is not related to rent owe, but for damages to the property. They kept all the deposits and 1/2 of rent. I'm trying to repair my credit, and this is damaging me although the debt is not mine. 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 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Coinbase Gobal Inc discontinued Coinbase Pro Service and closed all Coinbase Pro Accounts and informed everyone that cryptocurrencies in their Coinbase Pro Accounts will be transferred to their Coinbase Regular Account but I have not received my more than XXXX XXXX XXXX XXXX Coins in my regular Coinbase Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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:
I ask the credit bureaus to do a verification on my credit report which they did and said everything was accurate. I also did thorough research myself and found improper information on my report after the credit bureaus did their thorough research. Below you will find the Account names and account numbers from all accounts. 

XXXX  - XXXX in the amount of {$13000.00} In accordance with the Fair Credit Reporting Act XXXX  XXXX  Account number XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I ask the credit bureaus to do a verification on my credit report which they did and said everything was accurate. I also did thorough research myself and found improper information on my report after the credit bureaus did their thorough research. Below you will find the Account names and account numbers from all accounts. 

XXXX  - XXXX in the amount of {$13000.00} In accordance with the Fair Credit Reporting Act XXXX  XXXX  Account number XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management has defiled my credit with XXXX accounts that I have no knowledge of. I never received anything in writing that verifies this debt belongs to me. It's been a very stressful and emotionally tumultuous battle trying to fix this issue. The negative impact on my credit score is keeping me from moving forward with my desired endeavors like buying a home or car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: NJ

Complaint narrative:
I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. XXXX  is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, 30 day late payments violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments. They have violated my consumer rights. I demand a reinvestigation of the account in question and modify and update correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The creditor is not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. And according to15 USC 1666 creditor has violated my consumer rights. 15 USC 1692C

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 2023-04-19 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I, XXXX XXXX, a natural human being and a consumer with rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And in accordance with the Fair Credit Reporting Act, 30 day late payments violating 15 USC 1681 and 15USC 6802. Please modify and reverse late payments. They have violated my consumer rights. I demand a reinvestigation of the account in question and modify and update correctly. Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. The creditor is not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. Also, pursuant to 15 USC 1681 Section 602 A states I have the right to privacy. According to 15 USCs-2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. And according to15 USC 1666 creditor has violated my consumer rights. 15 USC 1692C

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Scammer called : Phone number XXXX ( XXXX ) XXXX sent my phone a text message saying {$120000.00} was charged to a Bank of America Account which I do not have an open account with Bank of America whatsoever. I called to inquire and explained this and when I mentioned about the possibility that I am being scammed, the representative immediately hung up. He was asking for my personal information and I refused to give it. I just want to maintain records in case something else occurs further. Thank you.

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