vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report. 

Please see attached documents of proof of me sending the letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 
Original creditor is denying any misreporting to CRAs. 

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my capability to obtain mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I HAD A BANK ACCOUNT WITH WELLS FARGO BANK XXXX INCUDING CHECKS & DEBIT CARDS. {$4000.00} OF SOCIAL SECURITY DIRECT DEPOSIT MONTHLY BENEFIT CHECKS WERE LOST OR STOLEN. I FILED THIS AS MISSING WITH WELLS FARGO BANK ( S ). I DID NOT RECEIVE A RESPONSE OR RECOVER ANY OF THIS MONEY. I RECEIVED A CHECK FOR {$10.00} THIS WEEK STATING THAT AFTER BANK FEES THIS IS THE TOTAL ACCOUNT RECOVERY PAID TO ME. THE ACCOUNT IS GREATER THAN 7 ( SEVEN ) YEARS OLD & WAS CLOSED WHEN I DISCOVERED THE {$4000.00} SHORTAGE.

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 2021-06-15 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: IL

Complaint narrative:
This collector or creditor did not provide Hipaa release on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I've been using Paypal for over 10 years without issue. The account had sat dormant as there has been little business since COVID. When a client sent me a deposit I found the money was not accessible. The message I had was that I had to wait 21 days, which I did. I then tried to access the funds again, again with no luck, This time I contacted Paypal who indicted that they needed business information less than 6 months old. The only thing I have, since my XXXX expired, was my tax forms, which I sent along with my scheduled C. That didn't get the money released so I went to refund the client the money, who was on board with just mailing me a check. I attempted a refund, but Paypal attempted to take the entire XXXX out of my banking account rather than the XXXX plus in transaction fees. I then blocked Paypals access to my account. I again, contacted Paypal. The lady who called me back indicated that she had returned the fees associated with the transaction so I could refund the money once the original attempt was rejected. I got that notification today and attempted the refund, which again was rejected. I contacted Paypal yet again and received a call stating that because I didn't have a bank account attached. In other words they are using circular tactics to maintain control of my money for the next 6 months when they tell me it would be released .... I don't really even trust that at this point. All without paying me any interest for the money. This also effects that way that the clients may view me, potentially costing me business. I simply want to return the money to my clients so they can provide me a check for their deposit but they are refusing. Paypal prevents screen shots so I am unable to provide a copy of the months long conversation. I also just noticed that they have erased the fee reimbursement in the activity log but still shows in my total " available '' funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 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: NC

Complaint narrative:
Numerous inquiries are appearing on my credit report as a result of identity theft. These items we're disputed with equifax on XX/XX/2021 as a result of fraud. A total of 7 fraudulent inquiries appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My annual fee for XXXX XXXX was due and I sent a letter to request close my account and credit the annual fee back to my account. Since I have auto payment set up, XXXX XXXX XXXX XXXX card charged my {$95.00} and then closed my account. They never credit the annual fee back to my account. I am requesting Barclays to credit the {$95.00} annual fee back to my account. 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
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: KY

Complaint narrative:
Insurance company paid medical bill for emergency room visit on XX/XX/XXXX. 
This verified with blue cross/shield in XXXX. 

Commonwealth financial system is requesting payment for the same medical bill paid by blue cross/shield in XXXX, now in XX/XX/XXXX. 

Requesting payment for a bill already paid 7 years ago is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My family members aswell as the people involved in a XXXX XXXX lawsuit filed and won by me for the death of my wife in a car accident aswell as being related with situation that I was XXXX for for 15 years and discharged, has been stealing my identity and committing fraud in my life with financial accounts and it involves multiple accounts and transactions pertaining to false arrest warrants for me being served and resubmitted aswell as mortgage fraud in my credentials and life policies that were to come to me being adjusted illegally and fraudulent transactions made to cash value in and it all shows up on my consumer report and I have filed with irs and all committed companies but need assistance in furthering things to do in order to bring this to justice because they are stealing my financial assistance from government, filed student loans in my name and received the money for them already and this should be on upcoming credit accounts and I need a full reversal of all transactions that have been made that have not been 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 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I demand to have this removed within 14 days of receipt if not removed i will be seeking Litigation according to FCRA 605B ( 15 USC 1681c-2 and 15 USC 16a-e ) I have disputed the validity of this account numerous times. Every time its come back as factual and valid. So I want proof within 15 days of the proof and validation '' accurate '' of these account. Pursuant to 15 U.S. Code 1681a ( e ) I want to know name, time stamp, dates, phone number and which the investigation consumer report was done. What family member, neighbor, friend did you talk to say my dispute is invalid and your investigation was factualaccurate ''.

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 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Revco Management, LLC
State: NC

Complaint narrative:
The caller attempted to collect a debt that was false. Saying it was from a utility company from 2019 ... i have no outstanding utility debt ... Not stating any further information about the debt, but what was owed. They got harassing and threatening and then hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advance Bureau of Collections
State: MN

Complaint narrative:
I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: EQUIFAX, INC.
State: CT

Complaint narrative:
On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

5. Identity T
heft XXXX XXXX Account Number : XXXX This i

s not mine. 6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Van Patten Mortgage Group
State: CA

Complaint narrative:
This Mortgage Company XXXX keeps harassing me over and over and over again AND KEEPS LEAVING ME VOICEMAILS, This just happened again today XXXX and has been going on for months. It is a Robo call saying that they are from XXXX XXXX  XXXX. I have called them and asked them to take my phone number off there system. They responded that it is MY PROBLEM. The number that they calling from is XXXX in XXXX.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Okay I sent in a FTC report to experian because I had a couple of fraudulent accounts reporting on my credit report that I wasnt familiar with so. I sent them the FTC report they received it they removed one account which was XXXX that was on the ftc report but the other 3 accounts thats on the FTC report they said they couldnt block those accounts. They didnt even give me a reason why they couldnt remove it I thought maybe if I provide proof which is the FTC report they will remove it. I didnt have any other problems with the the others credit bureaus I spoke with a representative and I said it against the law to have something on my credit report that aint mines She said they dont have to provide me with any information that the creditors provide them with. I asked can I get a documentation Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. The representative told me they dont have any accurate documentation about those accounts thats reporting. I need to ask the creditors. So I said Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this request then you must remove these accounts from my credit report. 
The representative at experian told me they cant do that I tried to reach a XXXX  they want let me talk to nobody at all Im very disappointed these account I ask to be removed are 1. XXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX so basically experian going again my word over creditors

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 2021-06-15 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: PNC Bank N.A.
State: GA

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft PNC BANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft PNC BANK, N.A.

Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Wakpamni Lake Community Corporation
State: AL

Complaint narrative:
I was at work today and my employer notified me they had received a fax from a company calling themselves Apex Servicing of Utah representing themselves as XXXX XXXX. The fax stated I had agreed in a court order to repay a loan to this company. I have never been to court on this matter and I am unfamiliar with the associated charges and actions. Therefore that brought up red flags. I did a quick search online for the company and discovered it was tied to several fraudulent related claims by consumers including claims of fraud from the XXXX XXXX XXXXXXXX XXXX XXXX and uses this tactic of false court proceedings as a tactic to trick employers into providing payroll deduction on unsuspecting employees. I attempted to contact the company at the number on the fax XXXX and was asked for personnel information such as social security number and date of birth which I refused to provide. I did not ask for case details but rather asked was the business licensed to operate in Alabama and what was their state licensing number with the XXXX XXXX XXXX XXXX XXXX? I asked this on repeated occasions in a call that they state was recorded. The operator on the other end stated she could not provide me that information and that they were a tribally licensed company. The company would not provide me any information and has falsely used the court system as a pun to try to steal wages through a false wage garnishment. This action seems fraudulent and illegal and I feel reporting it to the FTC since it appears this company is hiding behind tribal law was the best measure. A search of the company also revealed the following similar instance with a filed complaint XX/XX/2020 : Complaint received, file # XXXX. This company appears to be an illegal operation and trying to hide behind tribal law as a way to justify its fraudulent actions.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-15 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: TX

Complaint narrative:
I sent a letter dated XX/XX/2021 to Equifax requesting the accounts showing on my credit report for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  be validated or removed. These items remained on my report after their 30 day investigation. I sent another dispute letter dated XX/XX/2021 to XXXX  requesting verifiable proof of these alleged debts including the original contracts with my signature to show that i am responsible for these alleged debts. As of today, XX/XX/2021, I have not received anything in writing to show I am responsible for these alleged debts. According to the FCRA Section 609, I am entitled to receive the requested information including proof of the debt and how Equifax verified the alleged debts. Because Equifax has not provided the requested information and Equifax continues to report this unverified information, my rights as a consumer are being violated. I am requesting that Equifax provide me with the requested verifiable proof that these alleged debts belong to me or remove the accounts showing for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  from my credit report immediately. Without verifiable proof, any one can send Equifax accounts and say they are mine.

Company response to consumer: Closed with explanation