vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-12 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I reached out to XXXX and the companies listed in this complaint back in XX/XX/XXXX ; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that XXXX and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. 

ACCOUNTS : Account Name : XXXX, XXXX Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX {$3400.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX USA XXXX XXXX {$14000.00} XX/XX/XXXX Account Name : WELLS FARGO BANK XXXX {$8000.00} XX/XX/XXXX Inquiries : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX

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 2020-07-12 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: ProCollect, Inc.
State: GA

Complaint narrative:
I reached out to XXXX and the companies listed in this complaint back in XX/XX/XXXX ; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that XXXX  and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. ACCOUNTS : Account Name : PROCOLLECT , INC Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX   XXXX {$3400.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX  XXXX XXXX {$14000.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX {$8000.00} XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2020-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC doesn't easily to link to services like XXXX or XXXX and has provided no support or guidance on the issue. Instead of easily linking ( like all other banks allow ), PNC makes it extremely difficult for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I reached out to XXXX and the companies listed in this complaint back in XX/XX/XXXX; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that XXXX and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. ACCOUNTS : Account Name : XXXX, XXXX Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : JPMCB CARD XXXX {$3400.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX USA XXXX XXXX {$14000.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX Inquiries : US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc.
State: MD

Complaint narrative:
I disputed this debt numberous times. This debt does not belong to me. 
This false reporting is a clear violation of Public Law 104-191 ( " HIPAA ''  ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. 

Please delete from my credit report. 

Thanks

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 2020-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV Funding LLC sent me a later saying I owed an amount. I sent a letter requesting that they verify their info. They never responded. Instead I received a letter from Resurgent Capital Services LLC with photo copies of what I guess I was to think some kind of Statement of Account. At this point I decided to check my credit report only to find that LVNV had put this matter on my credit report. I have since sent letters to both asking for some kind of proof and I have received nothing. LVNV and Resurgent are both working out of the same address at XXXX XXXX XXXX XXXX SC XXXX. Both companies are sub companies of Sherman Financial Group out of New York. 

I am also now being harassed by XXXX XXXX XXXX XXXX about the same situation ... 

As a matter of fact I received letters from XXXX XXXX XXXX XXXX and Resurgent the same week both claiming that they are the servicer of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: MO

Complaint narrative:
Franklin Collection is trying to collect a debt that originated from XXXX XXXX XXXX that was fully paid. I have no contract with Franklin Collection and therefore I owe Franklin Collection no sums of {$630.00} that Franklin Collection is attempting to try to collect of the behalf of XXXX XXXX XXXX. Please send me any contract with my signature and verification of the debt said to be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX  & XXXX  XX/XX/XXXX about inaccurate information on my credit report. 

The following account is outdatedXXXX XXXX XXXX {$4300.00} date of last payment XX/XX/XXXX The following account is inaccurateCOMMON WEALTH FIN {$250.00} The following account is inaccurateXXXX XXXX XXXX  {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Ive tried contacting synchrony bank several times about an account they closed on me without me knowing and they send me emails to pay the remaining balance at the time was {$210.00}. Ive tried to pay them but every time i get hung up on and now they put a late payment on my credit. I can not pay online since they closed the account. Nor can I pay on the phone. I have attached the most recent times Ive tried calling.

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 2020-07-12 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: I.C. System, Inc.
State: FL

Complaint narrative:
Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX  & XXXX  XX/XX/2020 about inaccurate information on my credit report.
The following account is inaccurateI C SYSTEM {$200.00} The following account is inaccurateXXXX {$1800.00}

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 2020-07-12 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: IL

Complaint narrative:
I SENT IN DOCUMENTS PROVING TRANSUNION ARE REPORTING INACCURATE ACCOUNTS TO MY CREDIT PROFILE WHICH IS AN FCRA VIOLATION AND THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY!!!!!! THEY HAVE TOTALLY IGNORED ME WHICH IN INJUSTICE WHICH LEAD ME TO SENDING IN AN COMPLAINT.

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 2020-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: STERLING JEWELERS, INC.
State: MN

Complaint narrative:
Kay Jewelers assigned a company to collect money on their behalf. I find it very shocking since I had my wages garnished from Kay Jewelers in 2016. For the past month, my life has been a living XXXX. My elderly mother is getting calls daily, my ex wife of 20 years ago is getting abusive phone calls. Also, my uncle is getting abusive and harassing phone calls, not to mention my current wife is getting the same calls as well. The last straw is when my current in laws or now getting harassing phone calls!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: Capio Partners, LLC
State: FL

Complaint narrative:
Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX  & XXXX  XX/XX/2020 about inaccurate information on my credit report. 

The following account is inaccurateXXXX XXXX XXXX {$200.00} The following account is inaccurateASSETCARE {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12 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: MN

Complaint narrative:
We reviewed your account and found that an update is needed for the reporting to the credit reporting agencies. We have sent the updated information to the agencies for their records. The account should show : The date of the first delinquency as XX/XX/XXXX, and the payment history for the months of XX/XX/XXXX and XX/XX/XXXX on your XXXX report Removed the status Consumer Disputes, Reinvestigation in Progress from your Equifax report Allow sufficient time for the update, then request a new copy of your credit report. If you find an error, let the specific agency know. Heres the  contact information for the four credit reporting agencies : Equifax XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX equifax.com XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX  I have sent in dispute to your office via US MAIl CPBP and the Minnesota attorney generals office about why the required noticed of dispute was never place on the two XXXX tradelines  XXXX tell me that your office removed The required information why would your office do unlawfully removing of a consumer credit report if I didnt ask you to remove it or the original credit went ahead and removed it. I didnt ask your office to remove and XXXX  claim they are reporting 100 % accurate which is a XXXX XXXX lie this is FDCPA violation as well as FCRA please please send me when the required noticed of dispute was 1st placed on the tradeline who and why the request for removal was remove if XXXX claim they added the required noticed so I go back to old report to compare if in fact the information was added. I called XXXX  office to do a phone dispute they opened up a new investigation about this but I want factual proof as to what date the items was added or removed for both XXXX XXXX XXXX please delete both tradeline for violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2020 I discovered {$1200.00} in fraudulent charges on my Chase Sapphire Preferred Visa card that began in XXXX and ended in early 2020. They are charges to an entity called XXXX XXXX CA, XXXX   XXXX XXXX CA and " XXXX XXXX XXXX CA, with a couple of spelling variants appearing on the statements. The charges are primarily in amounts of {$9.00}, {$50.00}, and {$99.00}, although there is at least one for {$9.00}. I reported this to Chase on XX/XX/2020, then heard nothing from them despite assurances that I would receive an email regarding my report as well as a follow-up within 5 business days. I then called Chase back on XX/XX/2020 for an update, and was told that some of the charges had been refunded to my card, but that the fraud department was still working on the case and that I should expect to hear from them soon. Indeed, when I printed my statement on XX/XX/2020, {$470.00} had been refunded to my account, along with {$72.00} in corresponding interest. I then heard nothing from Chase until I called them again on XX/XX/2020, at which point I was informed that the fraud department was still working on the case, and that some of the charges that had initially been refunded had been re-billed to me. I checked my statements and found that {$120.00} of the initial refunded amount had been removed from my statement and re-billed, along with {$10.00} of the adjusted interest. To date, I am only seeing credit for {$350.00} of the fraudulent charges on my account, this case has been ongoing for over a month, and Chase still owes me {$870.00} plus associated interest. Please help, as it appears they intend to continue dragging this out and giving me the runaround indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I have continued to have a credit card only relationship with Wells Fargo for the past 10+ years. During this time I have had automatic monthly payments scheduled to pay the full amount due on the first part of the month. 

Recently I opened a bank account with Wells Fargo on XX/XX/20. Additionally, I set up additional bank accounts for third-party bank transfers. Somehow on XX/XX/20 my existing automatic payment with a third party bank for my Wells Fargo credit card was cancelled. Because of this cancellation I incurred a late fee as well as a late interest on my credit card. I paid the balance in full for the previous statement and called to speak to a Wells Fargo credit representative to have the late fee waived and they are looking to potentially reverse any accrued interest I may have received. However, the option to setup monthly payments for my credit card is no longer available from my Credit card account. The only payment frequency that exists now is one time and the rest have disappeared from the website. 

I spoke with the credit card services department as well as online banking to explain to them that this is a serious issue to have removed the automatic monthly payment option now that I have added a new checking account. The only option I have now to automatically pay my credit card each month, outside of sending them a paper form to setup automatic payments again from my third party bank, is is to enroll in their online bill payment program and have my credit card paid using this option. This is unacceptable and appears to be an abuse to force users to not only enroll in their bill pay service, but I believe it was in fact Wells Fargo who cancelled my automatic payment once my checking account was created which caused me to incur a late charge and fees for that month.

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 2020-07-12 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: TX

Complaint narrative:
they have me as a XXXX ftc violations ERRORS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


all ftc errors

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
they have me as a XXXX ftc violations ERRORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 


all ftc errors

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 2020-07-12 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: TX

Complaint narrative:
they have me as a XXXX ftc violations ERRORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.. 


all ftc errors

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 2020-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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