vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: CA

Complaint narrative:
To : Who

m It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I   am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX   XXXX, XXXX with a credit limit of {$600.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$610.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX Access my account Was it me I began purchases cell phone five ( 5 ) in one year I purchased a XXXX No Preinstalled It had XXXX XXXX installed by XXXX XXXX After XXXX sold them the phones I returned with reciept to no avail I called USAA rep said I love XXXX XX/XX/XXXX Statement {$190.00} CREDIT XX/XX/XXXX {$190.00} NEW CHARGE I do not think one man should be able to make me pay for what I do not want I AM TRYING TO PREVENT IDENITITY THEFT If more banks held cell phones accountable IT WOULD HELP THE INTERNET SECURITY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: RI

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank has blocked my debit card few times and I verify my account through my phone number at least 3 times and and I was making few small purchases through XXXX XXXX   and today on XX/XX/2020 Citibank is unable to verify my phone number which its kinda weird and I unable to use my debit card and I was told that I have to wait one hour for a security code but Im so sick of this and they keep blocking my card and they refused to close my account and withdraw all of my money .... and they kept blocking my card and I had the same phone number for little over a year and Citibank told me that my phone number was brand new and they unable to verify me ... but they did in the past and they refused put out my money out of the bank and I want to switch banks

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 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have been using Venmo with friends and family to send and receive payments between us. On XX/XX/XXXX two family members, XXXX and XXXX XXXX, used their Venmo accounts to pay me using their XXXX XXXX XXXX XXXX cards. 

XXXX XXXX processed three payments for {$1000.00}, {$900.00}, and {$100.00} - totaling {$2000.00}. XXXX XXXX processed a payment for {$1000.00}. Each of them had enough funds in their XXXX accounts to cover the payments, and still do. I received the payments in my Venmo account and processed a transfer to my XXXX XXXX bank account. 

On XX/XX/XXXX each of us received emails that our Venmo accounts were frozen and requesting we send in photographs of our licenses. We have since done so, but our accounts remain frozen and we've received no information regarding why the accounts were frozen. If XXXX and XXXX had the funds to cover the payments why were they stopped and our accounts frozen? 

This appears to be a mistake on Venmo 's side, but we are the ones paying the price with frozen accounts. We utilize Venmo quite often and would like our accounts unfrozen so we can proceed with utilizing the service. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: PA

Complaint narrative:
First there was a cash back when I purchase that was supposed to be {$50.00} it came out to be {$500.00} prepaid card.com is not giving back the {$450.00} I did not ask for XXXX I asked for XXXX then my card was stolen from me from a person that was living here this person is now in jail they did not want to hear anything about police reports Etc and they denied my dispute claims totaling up to {$1000.00} I waited to 10-day grace. And on the tenth day they came back and they said they denied it and I had to call to find out which was yesterday XX/XX/2020 I had also called their headquarters XXXX XXXX XXXX XXXX XXXX without any resolve to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: OH

Complaint narrative:
Contacted XXXX XXXX ( XXXX XXXX ID # XXXX ) at New American Funding about qualifying for a Refi loan on my home. He sent me URGENT Accept eConsent-New American Funding ( XXXX and video on how to complete the eConsent. Sent all sources of income for XXXX. Mr , XXXX stated that the underwriters could not use any part-time income earned during XXXX and that my full-time income did not qualify me for a loan. I contacted Mr.XXXX that I had made an error with the employment start date and it should have been XXXX instead of XXXX. Mr. XXXX recalculated the numbers and stated that the income did qualify for underwriting but he had to do an employment background check. This conversation happened on XX/XX/XXXX. I called Mr. XXXX on XX/XX/XXXX, and he said that my income didn't qualify and I needed two years of history although I had W-2s supporting all income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: PA

Complaint narrative:
I sent a certified letter to Equifax, XXXX at XXXX XXXX XXXX, XXXX, GA XXXX on XXXX XXXX. 

It was accepted and signed by XXXX XXXX. 

I complain to Equifax that they were report dual late for same account. I had a XXXX Credit Card that was late on XX/XX/XXXX which was transfer to a XXXX Credit Card. I noticed on my Equifax report its showing both accounts with same late. 

Neither XXXX  or XXXX, XXXX are showing this obvious error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America has charged me erroneously for overdraft fees when I did not overdraw my acct. There has been a few occasions where they charge a fee that overdrawn the acct and then charges me overdraft fees. I called and tried to resolve it. They could not show where I overdrawn the account and would not remove the fee.

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 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/20 my bank account was froze without warning or provocation. I received no message through online banking.no phone call no email. I was unable to pay for groceries at the store is the way I realized I had no access to funds. I customer service with PNC bank who told me my account was under investigation. XXXX XXXX Michigan branch manager told her I was sending money to a romance scammer, and it was her job to protect my funds. 
All funds in my account have been from my investor. This was a knee jerk  reaction and slanderous act. When contacted the branch manager said she could keep my funds froze up to 90 days. I have a XXXX XXXX and require access to funds. And we are having blizzard conditions here in Michigan. I explained this to the branch and to investigators. My account remains frozen. I am.unable to.close the account because.it is under investigation. The deposits and balance are over 6 thousand dollars. And my car and house insurance are.due and my phone bill. This is causing severe financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One XXXX Neiman Marcus  XXXX closed my account. They said my account was overdue. The bill was sent to my previous address, I informed them of my move a year prior. The company never notified me of my delinquent account. I tried to make a purchase on-line and it would not go through. I called and they claimed their system wasn't working. I called several times and no one seems to know why my on-line purchase wouldn't process. I then ask to speak to a supervisor and she found out the account was delinquent. The process took several weeks. After I paid the bill in full Capital canceled my charge card and marked my credit report with delinquency and would not remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My XXXX Secured card reported to Transunion XXXX   And XXXX  As XXXX XXXX And was removed from my report On Or Around XXXX after it stopped reporting Around XXXX Of 2019 And i would like it back on my report. XXXX has told me to Request the bureaus Put it back on my report if this is wrong please contact XXXX XXXX  and advise them of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: SC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent Equifax a dispute via certified mail regarding an account with XXXX XXXX XXXX XXXX that was showing inaccurately on my report. The account was showing an inaccurate date of last payment of XX/XX/XXXX, a comment that I never made the first payment on the account, and an incomplete and inaccurate payment history. As of today, XX/XX/XXXX, Equifax has not completed the investigation of this account. I have disputed this account several times and the inaccuracies are still present. Equifax has violated the FCRA by not completing my dispute within 30 days and by failing to investigate obvious inaccuracies on the account I disputed. I called Equifax on XX/XX/XXXX and informed them that the 30 day period had ended. The representative on the phone looked up my dispute, which has a confirmation number of XXXX, and confirmed that Equifax was still investigating and that there was nothing he could do to fix the situation. Attached is a screen shot taken today showing the investigation was still pending as of XX/XX/XXXX at XXXX and that the dispute was received and processed by Equifax on XX/XX/XXXX. The extra time is not the only issue here : Equifax has repeatedly verified inaccurate information relating to the XXXX account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My XXXX Secured card reported to XXXX  Equifax And XXXX As XXXX XXXX And was removed from my report On Or Around XXXX after it stopped reporting Around XXXX Of 2019 And i would like it back on my report. XXXX has told me to Request the bureaus Put it back on my report if this is wrong please contact XXXX XXXX  and advise them of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My XXXX Secured card reported to XXXX  XXXX   And experian As XXXX XXXX And was removed from my report On Or Around XXXX after it stopped reporting Around XXXX Of 2019 And i would like it back on my report. XXXX has told me to Request the bureaus Put it back on my report if this is wrong please contact XXXX XXXX and advise them of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 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: NM

Complaint narrative:
EXPERIAN XXXX  XXXX REPORTING FTC VIOLATION ON THIS XXXX XXXX XXXX XXXX THAT IS NOT MINE OR NO KNOWLEDGE OF

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 2020-01-17 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: NM

Complaint narrative:
XXXX  EQUIFAX XXXX  REPORTING FTC VIOLATION ON THIS XXXX XXXX XXXX XXXX THAT IS NOT MINE OR NO KNOWLEDGE OF

Company response to consumer: Closed with explanation