vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$450.00}, {$400.00}. 
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 ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not 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 2020-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
i sent letters to this collector on XX/XX/2020 and i have not received anything back. they only have 15 days to provide me with everything that i asked for in this letter i sent but they disregarded it which means this item should be deleted from my credit report. sending a bill is not acceptable because i can type a bill and just say someone owe me so i demand to see where i signed for this which is not true.

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 2020-06-14 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: NE

Complaint narrative:
The credit bureau is reporting a balance of {$390.00} with XXXX XXXX XXXX. However, I have a XXXX  balance. They are not reporting my payment of {$98.00} that I made with my debit card on XX/XX/20 that has already posted to my account. They are not reporting my payment of {$300.00} that I made with my debit card on XX/XX/20, that has already posted to 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 2020-06-14 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: NE

Complaint narrative:
The credit bureau is showing a balance of {$54.00} with The XXXX  XXXX XXXX. I have a XXXX  balance with XXXX XXXX XXXX XXXX. They are not reflecting my payment that was made on XX/XX/20 for XXXX. The XXXX  credit bureau is reporting a XXXX  balance for this creditor.

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 2020-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$450.00}, {$400.00}. 
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 ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not 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 2020-06-14 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 : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$450.00}, {$400.00}. 
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 ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: NE

Complaint narrative:
The credit bureau is showing a balance of {$54.00} with XXXX XXXX  XXXX XXXX. I have a XXXX  balance with XXXX XXXX XXXX XXXX. They are not reflecting my payment that was made on XX/XX/20 for XXXX. The XXXX  credit bureau is reporting a XXXX  balance for this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I asked bank of America for what is called a emergency cash transfer. On XXXX XXXX Friday at around XXXX. I have waited for 2 days now. I called over a 100 times to the last 2 days. I keep getting the same answer. It isn't proceed yet and I will get a phone call from a supervisor. Hasn't happened br I get it has been processed and waiting for confirmation number now through a email. Still waiting. They said it was only to take a few hours that Friday I asked for it. And then I get that XXXX XXXX is supposed to call r email me with the confirmation number. XXXX XXXX said no they don't ever do that that bank of America lied and they have the confirmation number to give me .. now an emergency isn't asking for funds and receiving it days later. An emergency is needing it that min. R day. Especially in my case cause my son in Texas isn't doing well he possible might pass away and I can't get there with out my card and money on it cause it's in the mail still and I am not getting help from bank of America like it says I can until I u card arrives on emergency money transfer. Now some one do something XXXX XXXX  it. If I don't c my son. Before he passes. I'm holding bank of America personally responsible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
between XX/XX/XXXX until XXXX XXXX the FedLoan.org has been mis-managing my payments. The interest was not applied correctly to my balance. As a result my $ XXXX loan is at $ XXXX after 7 years of payments. 

I have not been able to get a reasonable explanation from them after several attempts. 

Furthermore, in XXXX XXXX, when my loan was paid off due to re-fi, the FedLoan.org was overpaid by {$980.00}. Since XXXX. I have not had luck getting them to refund this overpayment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
About a year ago I tried to get service with XXXX XXXX internet. When they came out and installed the service, I have to pay an {$200.00} install fee and get a box installed outside for their network card XXXX {$320.00} ). The internet did not work in my house, they sent out technicians on 2 seperate occassions trying to get the service to work but it didn't. I called to make sure they disconnected the service as I could not use it. I didn't receive my install fee back and now I have a box installed on the side of my house that I lost money on also. Everything was supposed to been taken care of with no worries. Then last week I get a collection for {$460.00} put on my credit report damaging my credit and also putting me at risk of losing my purchase of a house in the upcoming month. I do not owe them anything, i've called them on several occassions before this got on my credit report and was assured it would be taken care of. I talked to someone XX/XX/2020 saying that now they would take it off my credit report withing 3 business days and were we are 10 business days later. Companies are good at messing up but not correcting their mistakes ... and definitely not in a timely manner. I'm looking to get this fixed by any means necessary. If I lose out on my home purchase due to this collection that I shouldn't have on my report. I am getting a lawyer and suing for defamation of character. I am so tired of companies doing what they want to the consumer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one Neiman Marcus account I had some late payments so I got into a program to get organized and keep me on right track. After I started program and continued to make my payments on agreement capital one marked it as delinquent charge off. It is not correct I continued to pay on time and now the prof is not even listed it removed all together. They had not right to do that. I am current and paying my amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The date was Saturday, XX/XX/XXXX. The amounts were intervals of {$150.00}, {$270.00}, {$530.00}, and {$600.00}. It was claimed that the {$150.00} was an initial investment. The rest of the transactions were to cover the interest fees necessary to do the cryptocurrency exchange. I was Asked for these in a series of tweets by the perpetrator and I Foolishly obliged With the promise of a return in investment. 

The payments were sent via XXXX XXXX. XXXX support advised they can not stop the payments and Bank of America advised they can not dispute until the payments post, but they should not post. Im trying to freeze these transactions.

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 2020-06-14 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: Scott Fetzer Financial Group Inc.
State: OH

Complaint narrative:
United Consumer Financial is reporting inconsistent and erroneous information across the credit reporting Bureaus. I have disputed this account and provided them with documentation to notify them that my personal information has been mixed with someone else 's according to the credit bureaus. I notified this company that the debt they're reporting to my credit reports is unknown to me. And I sent several written requests for debt validation and verification. The rep I spoke with from their company admitted my information didn't match the collection account information however this company will still reporting this unverified and unknown account. This company has a different name then mine and a different address but they claim its linked to my social security number. AFTER I DISPUTED THE ACCOUNT ... UNITED CONSUMER FINANCIAL RE-AGED THE ACCOUNT BY CHANGING THE DATE OF LAST ACTIVE ... which determines the debt statue of limitations for credit reporting and this is a violation as well. Please attached screenshots. To date this company has NOT provided me a copy of ANY original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) (  A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Immediately! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if  you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Dear team I had a car from Toyota in XXXX and it got burnt and the police report testifies and says that there is no quasi-criminal and it had insurance from Toyota and from the XXXX XXXX and where compensation has not been paid yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received notice from Citibank that I had successfully opened a checking account with their bank on XX/XX/2020. I never opened the account. I called Citibanks fraud department on XX/XX/2020, and informed them of this and that I presumably was a victim of identity theft. I instructed them to freeze the account at that time. I then filed a case with XXXX on XX/XX/2020, and followed all of the steps on the website, including freezing my credit with all 3 bureaus, filing a case with the FTC and mailing Citibank a letter, of which I can provide a copy. I then received a notice from Citibanks collection arm informing me I owed them {$68.00} on XX/XX/2020. I responded with a certified letter dated XX/XX/2020, informing them I disputed 100 % of the charges and demanded they send me all documentation related to the account, paper and/or electronic. I followed up with XXXX this morning and the site directed me to file a complaint with the CFPB.

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 2020-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have been using Paypal for years and it is linked to my Bank account only. I once had a visa debit card but when it expired years ago did not link one to paypal. 

On XX/XX/2020, I received a email from Paypal about a case that was submitted by some other Paypal account holder, Indicating that her account had been hacked into and there were 5 purchases made from me in the amount of XXXX dollars and some change. I was told that I needed to respond to complaint by XXXX XXXX. 

I went into my account and found activity that I had not initiated. I had not and did not sell anything to this person ever. When I checked more activity I found 27 Master Card Debit card instant transfer transactions that I never made. The total of those transactions was very close to the money from the account that was hacked into. 

I do not have a Mastercard debit card. My card is a Visa. I tried to file a dispute but because it was a master card debit card was unable to without going to payal chat as there was no way to contact by phone. 
Finally a dispute was submitted by customer service on my behalf. I indicated in my dispute that those 27 withdrawal from my account using a Master card debit card was not authorized by me and that I do not own nor have I applied for a Master card debit card. I questioned how this card was used to access my paypal account. I also questioned why red flags did not go up because my paypal balance is always XXXX. When I purchase most transactions are paid for using my linked bank account. 
I even indicated that there was something suspicious about money going into my account through a purportedly hacked account in almost the same amount as was instantly transferred from this fraudulent on the same date XX/XX/XXXX. All activity on that date. 

Paypal denied my case and I appealed. They denied my appeal saying they found the transactions consistent with my history. I asked them to look at my history and they will see that somehow the Mastercard Debit card showed up on activity statement for XXXX XXXX as a backup card. do not know how that happened. all activity prior to that only shows that I paid for my transactions and there is no back up master card.

Company response to consumer: Closed with monetary relief