vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I used to have an account with XXXX for wireless services. In XX/XX/2021 I purchased a new device for {$830.00}. XXXX double charged me. One charge for {$830.00} and another right after for {$820.00}. I contacted XXXX to let them know and I got the runaround for over a month. XXXX kept saying that they would refund the accidental charge. When I realized that they would not I contacted my bank and submitted a claim. I also closed my account with XXXX as of XX/XX/2021. My bank was able to recover the funds from XXXX but after that, they stated that I owed them those funds. They have clearly stated that it was an accidental double charge and they would refund the funds but did not. I have the chat logs. Now I have a collection agency contacting me stating that I owe them those funds. I challenged them and they just sent me a validation letter. All the validation letter is a copy of my XXXX bill. I provided the collection agency with bank statements showing the double charge, chat logs showing XXXX tech support stating that they owe my a refund, The complaint form I filed with my bank and the bank statement of when the funds were recovered. I do not know what to do now.

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 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On XXXX XXXX at about XXXX XXXX, I deposited a payment check in the amount of {$460.00} at the Citizens Bank ATM, XXXX XXXX  XXXX, XXXX, MA. 

The ATM accepted the deposit but shut down/ rebooted before returning my ATM card or providing a receipt for the transaction. 

I called to report it to the bank while waiting for the machine to reboot ( approx. 30 min. ) I explained what had happened and was told that I needed to file a claim, and allow 14 business days for the investigation. I declined the process. 

On XXXX XXXX at about 9 am I called the bank branch and spoke with Branch Manager XXXX XXXX. She retrieved the check from the ATM but refused to process it or return it to me. Mrs. XXXX advised me to " contact the writer of the check and have them give me another one. '' The writer refused unless I could return the initial check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called XXXX XXXX and Spoke to XXXX at about XXXX on XX/XX/2021. Their system states the calls are recorded. I let XXXX know that the call was recorded on my end since I was at work. 

XXXX refused to assist me saying that their compay policy does not allow call recording. I stated that they are recording and they can not give themselves a right that they deny me first. Second, Federal law allows one part recording without the other parties knowledge. Thirdly Federal law requires the credit company to allow me dispute the charge. 

XXXX spoke with a supervisor, who she would not name and refused to assist me and disconnected the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  pulled my credit and my wife 's credit ( hard inquiry ) without authorization. 

I started talking with XXXX XXXX  to discuss a loan to build an addition on my home. I provided basic information to XXXX, but I did not give permission on the online form nor did I give permission over the phone. I told the agent on the phone multiple times that I didn't want my credit pulled until the time came. The plan was to pull the credit once the plans/designs for the home addition were completed and ready to process the loan, and the agent knew this. 

XXXX XXXX  then pulled my credit and my wife 's credit ( hard inquiry ) without authorization. The agent I was working with did not take responsibility and their supervisor then told me they can't remove the hard inquiry from my credit report and it was my responsibility to contact the credit bureau and dispute it directly with them by letter or by phone.

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 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I was a discover card member for over 20 years until my home was visited by four unidentified women threatening to force their way in, making threats they have me and my family social security number snd planned to end us. After discovering the identity of one party it was discovered her relative works at Discover bank based on her social media page. An inquiry was made to discover if my account had been accessed recently snd if they could investigate if it has been accessed digitally by employee XXXX XXXX XXXX previously known as XXXX XXXX. They gave me the run around telling me privacy is their priority and they cant help but no charges were made to my account. On XX/XX/XXXX I sent an email to XXXX XXXX XXXX Never read a response So I cancelled my card in XX/XX/XXXX. 
Yesterday XX/XX/XXXX I accessed my online credit report and noticed an inquiry made in XX/XX/XXXX by Discover. If my card was closed in XXXX how could they do an inquiry? 
I called Discover to pose that vary question and was hung up on So I wrote to the emails listed above and await a response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist Bank is taking numerous fees from my account just about every week totaling in {$300.00}. If a charge is sent back Im charged. Im being charged {$36.00} for a XXXX overdraft on my account. Theyre allowing payments to through on accounts even if you have a lock to stop any activity on your account.The bank is allowing companies to keep submitting payments multiple times and charging {$36.00} for each failed transaction and then eventually letting go through and then charge another {$36.00} even when the card is locked.

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 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Good afternoon, I need your help with this issue with 2 collection account with the same company ( Resurgent Capital Services ).

I sent 3 different certified mails ( USPS ), in the las 7 months, getting the same response from Resurgent Capital Services. 
I have been asking for the verification of that debt. In all 3 situations, they send me the same response ( attached : copy of an statement which does not represent a valid validation ). 
I have been sending letters with this response : " Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was a victim of fraud. This situation was reported to the different credit bureau agencies and collections agencies. Last year a complaint was made to the FTC and sent to agencies XXXX, XXXX & XXXX. I'm receiving from a law firm and civil court making collection efforts. The situation has been explained to by letters, callas and annoying procedures are still continuing. 

XXXX 2016, Amount : {$1900.00} XXXX XXXX  XXXX, Amount : {$1200.00} Capital One Bank USA XXXX XXXX XXXX report a balance {$2500.00} XXXX report a balance {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit score dropped 113 points in one day. I have called several times to ask why and they refuse to answer me. I clicked on the see why is changed button and it said no changes found. I am trying to buy a house and this is killing my TransUnion score.

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 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, received a letter stating there was a balance transfer of {$2700.00} to XXXX XXXX XXXX, a second letter stating another balance transfer of {$2000.00} to XXXX XXXX XXXX.I called immediately, Wells Fargo cancelled my card and reissued with a new number. I was told the claim would take 15 to 30 days. Called them on XXXX, they said they would open a claim, called on XXXX, told the claim wasn't filed on XXXX promised a letter in 7 to 10 days, called on XXXX now it will take 30 to 45. Told my name or Social # was linked to these two account. Told to check with the two other banks, I have called both XXXX XXXX and XXXX XXXX, they both said that my name and Social # are not linked to these account. Wells Fargo told me to get written proof from these banks. I faxed the request to both bank. Both banks have told me this isn't the way things are handled. I faxed requests to both banks. On XX/XX/XXXX, XXXX XXXX called, we got on a conference call with Wells Fargo to confirm my namer is not linked. Wells Fargo said that they would open another claim. I have a letter, which was emailed to me, dated XXXX, saying a claim was opened and should take 15 to 20 days. On the XXXX phone call Wells Fargo said the claim was denied on XXXX. One person at Wells Fargo said they would open a claim for me, investigate and then just deny it.

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 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 

Bankruptcy Reinsertion Also, there's an instance that the bankruptcy is being re-inserted in my credit report. It was disputed and has been deleted. It has defamed my character to lenders, held me back from getting my home and a host of other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I attempted to purchase tickets to XXXX XXXX XXXX and the vendor attempted to charge my card multiple times. Citibank flagged this as a fraud and asked if I would like to let the transactions through. When I declined to approve all the transactions, they closed my card and issued me a new one. Two days later, 2 charges appeared on my card posted XX/XX/XXXX for amounts of XXXX and XXXX. I filed a dispute and the merchant agreed to return my money. The credit has still not appeared on my account and they said they cancelled my dispute. Then in XX/XX/XXXX more charges appeared posted on XX/XX/XXXX of varrying amount of either XXXX or XXXX. I have called 3 times over the past 30 days and there has been no resolution. A supervisor noted that because the disputes appeared to be duplicates as the same amount was charged, citi is not looking into them and cancelling the disputes the minute they are filed. I sent multiple emails regarding the siputes and have not heard back.

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 2021-10-08 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: ProCollect, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I sent " On XXXX XXXX. Pro Collect added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I'm no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this is mine. According to FCRA, Pro Collect has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.On XX/XX/XXXX Pro Collect response : '' Procollect received the consumer 's account from our client XXXX XXXX XXXX on XX/XX/XXXX. The consumer owes a balance of {$3100.00}. The consumer 's dispute has been noted and the account has been updated. 
Procollect will mail proof of the debt to the consumer 's address XXXX XXXX XXXX XXXX, XXXX, MS XXXX. I apologize for any inconvenience this may have caused. The consumer may provide Procollect with any correspondence that proves this debt to be invalid by email to XXXX or fax XXXX XXXX. The consumer may contact Procollect @ XXXX to pay the balance in full over the phone with a credit or debit card, or receive additional payment options. If the consumer has any further questions they may contact me, Mrs. XXXX, directly @ XXXX ext XXXX. 
Thank You '' I still have yet to receive validation and proof of debt. It has been past 30 days.

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 2021-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent dispute requests to remove incorrect addresses and to also dispute the negative accounts on my XXXX, Transunion, and XXXX reports on XX/XX/XXXX and XX/XX/XXXX via mail. I have not received any mail or correspondence that a dispute or investigation has taken place. I thought that when you do not hear anything from the credit bureaus in 30 days that is automatic grounds for deletion of the requested dispute accounts due to not validating within 30 days. Please look into this and process this dispute as applicable. If it is my understanding that the disputed accounts will be deleted, I expect this filed complaint to be completed in that manor.

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 2021-10-08 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: AMA Advisors, LLC.
State: TX

Complaint narrative:
They are refusing to help me and continue to report my account late when it has never been late. XXXX EID # XXXX told me today the credit department erroneously marked my account as past due though they still don't own the account and have not owned it since XX/XX/2021. The company who is doing this is XXXX XXXX. The XXXX report number for my case is XXXX. I have also notified the company 's top executives XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others -- all have done nothing to help. These executives can be reached at XXXX. They have turned my life into a nightmare with this credit issue and I need to have this fixed today!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Hello, i have no recognition of this debt collection and it has messed up my credit. I have never owned a sprint phone.i filed a dispute to my experian credit report 3 days ago. I am now on the phone with XXXX filing a identity theft report now. Please help. 

XXXX XXXX Account number XXXX XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$850.00} Balance updated 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 explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
A company name Midland Credit Management is trying to collect a debt from me that is not owed. I never received any credit cards from this company. I sent a letter to the credit bureaus to remove it. I also sent communications to the company but have not received a response. This may be someone else using my credit. I was a victim of fraud in the past. This false debt is having an adverse affect on my credit report and I want it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 

Bankruptcy Reinsertion Also, there's an instance that the bankruptcy is being re-inserted in my credit report. It was disputed and has been deleted. It has defamed my character to lenders, held me back from getting my home and a host of other things

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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:
Someone has been using my social security number to obtain vehicles, housing, etc. Also there are addresses from XXXX XXXX attached to my credit file. I am a Alabama native.and have never resided in XXXX XXXX please see police report attached

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