vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CONVERGENT OUTSOURCI XXXX Balance {$640.00}

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 2021-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the following accounts with erroneous information. 

CAPITAL ONE AUTO XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ; CAPITAL ONE XXXX OPENED XX/XX/XXXX BALANCE : {$0.00} ; CAPITAL ONE XXXX OPENED XXXX XXXX XXXX BALANCE {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on PHEAA ( XXXX XXXX XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the following accounts with erroneous information. 

XXXX ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$5100.00} ; XXXX  ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$11000.00} ; XXXX  ( XXXX XXXX XXXX ) XXXX OPENED XX/XX/2020 BAL {$19000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$7800.00} XXXX XXXX {$1000.00} XXXX {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXXDate of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XX/XX/XXXX XXXX tried to withdraw {$800.00} from my account, Wells Fargo declined the payment for insufficient funds. Many attempts were made to withdraw these funds. 
After many more attempts were made, an associate for the Wells Fargo decided to let me know I am a divorced woman and I was given a last chance checking account, which means My account has many limits which has been on the account since opening in XXXX. 
The amount for any withdrawals can not exceed {$500.00}. 
On XX/XX/XXXX Wells Fargo charged {$35.00}. for overdraft fee which Wells Fargo forced to happen, plus refusing to pay because over limits on the account! 
With this last chance checking account Wells Fargo holds all transactions until their system makes a decision wether to pay said transaction. This causes my account to back up with so many transactions I can not make out what Wells Fargo is doing, they seem to have a lag time on last chance accounts. 

I have proven to myself I AM A DIVORCED WOMAN AND I CAN TAKE CARE OF my credit score, my recent vehicle purchase and two new credit cards all with absolutely No help from Wells Fargo!

Wells Fargo refused to allow a one time limit increase on my debit to allow the down payment to go through, that was when I was told, since I am a divorced woman, I was given an account with very limited access! 
Now my new vehicle I just purchased is in danger of being repossessed because Wells Fargo has decided to discriminate against a divorced woman. I have four direct deposits going into my Wells Fargo account and that has been set that way since opening the 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 monetary relief
Consumer complaint received 2021-11-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX {$0.00} XXXX  / XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: FL

Complaint narrative:
XXXX XXXX XXXX refuses to remove the balance of {$33000.00} from my credit report. My XXXX was traded back in XX/XX/XXXX and paid in full by XXXX of XXXX XXXX. I have a paid in full letter from XXXX but they refuse to update and report the balance as {$0.00} to all credit bureaus and this is lowering my score and debt ratio. According to them they will remove this amount in XXXX which makes no sense since the balance is {$0.00}. Very unfair and makes no sense.

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 2021-11-13 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: FL

Complaint narrative:
XXXX XXXX XXXX refuses to remove the balance of {$33000.00} from my credit report. My XXXX was traded back in XX/XX/XXXX and paid in full by XXXX of XXXX XXXX. I have a paid in full letter from XXXX but they refuse to update and report the balance as {$0.00} to all credit bureaus and this is lowering my score and debt ratio. According to them they will remove this amount in XXXX which makes no sense since the balance is {$0.00}. Very unfair and makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX refuses to remove the balance of {$33000.00} from my credit report. My XXXX was traded back in XX/XX/XXXX and paid in full by XXXX of XXXX XXXX. I have a paid in full letter from XXXX but they refuse to update and report the balance as {$0.00} to all credit bureaus and this is lowering my score and debt ratio. According to them they will remove this amount in XXXX which makes no sense since the balance is {$0.00}. Very unfair and makes no sense.

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 2021-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NH

Complaint narrative:
On XX/XX/2021 I went to the Amerisave webpage and checked my rate for free. A chat popped up and I said I wanted the offers emailed to me as I didn't have time to be on the phone. They said no and I said ok, I will be looking for another company. about 10 minutes later I got a call from them. I told them I just said I didn't have time for a phone call. He kept pushing and I told him I don't want to use a company that can't take simple instruction and to leave me alone. I told him I would not be using this company. This morning XX/XX/2021 I got an email thanking me for my mortgage application. That never happened! It also said things about my credit report. I most certaintly did not fill out an application and made it clear in writing and verbally I would not be using this company. I also did NOT give permission for any sort of hard credit pull. I want any credit pull wiped and any application they submitted without my approval to be deleted. I also want accountability for breaking federal law in pulling my credit without my permission and for aggressive business practices of submitting an application that I did not fill out or approve of. I also did not make an account and that needs to be deleted as well. They sent a soft credit pull document but when I click it I have to log in. I do not have an account and I can not see what the document says. This must be illegal!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX I paid my property taxes on my XXXX XXXX XXXX county clerk. I mailed and also faxed documentation to XXXX XXXX on XX/XX/XXXX. They have received the documentation and noted my account and assured me it would take 24-48 hours to update on my account. On XX/XX/XXXX Toyota received a check from XXXX XXXX out of XXXX, Ky for my property taxes Toyota indeed cashed the check, check # XXXX in the amount of {$28000.00} it cleared on XX/XX/XXXX. Toyota  has still NOT updated my account, my account is still showing I owe property taxes {$360.00}. 2 months have been dealing with this talked to different agents almost everyday, Im not getting anywhere everyone I talk to tells me different information. I need this resolved ASAP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
* My XXXX had a Chase XXXX Visa * Account was opened XX/XX/XXXX * Business name is XXXX XXXX. 
* For 14 years XXXX XXXX. paid this account never missing a month * XXXX XXXX is a XXXX XXXX XXXX XXXX * Chase never recorded payment on my personal credit account before * XX/XX/XXXX, XXXX Hit a bump in the road renters stop paying their rents due to covid-19. 
* XX/XX/XXXX was first time ever XXXX missed a visa payment * Chase put missed payment on my personal credit report that month and every other month after changing the XXXX  account to a personal account with credit agencies and sending me a credit card with my name on it instead of the XXXX name XXXX as usually. 
* I never signed the credit card on the back accepting personal payment * My XXXX XXXX XXXX made 14 years of payments that was never reported to the credit reporting agencies as a personal account. 
* First reporting in XX/XX/XXXX, on personal credit my XXXX  owed in the area of {$3500.00} that chase posted on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
In XXXX of this year, my wife of XXXX years of a happy marriage passed-away from a long, lingering illness. As is the case with such long marriages, we had divided our household responsibilities and assumed the care of various elements individually. 
In this case, my wife took complete care of all our finances, including banking, installment loans, credit accounts, utility bills and the like. I had no input or knowledge of such activities during our long marriage, except to say that I trusted my wifes judgment in such matters completely. 

Upon her passing, I had to take over the responsibility for such matters myself. Although she left me good records, I was not privy to her decision-making process, and so I did not know the particulars of any such matters. This is not to be construed as a criticism of my wife, it is only a statement of how we conducted our affairs as a couple. 

Upon researching our banking and credit matters, I discovered that my personal credit rating was rather low, and I found that I was being associated with an unpaid debt, XXXX which I found no mention of in my wifes financial accountings. 

It is about this alleged debt that I write to you today. Midland Funding has a claim against me on my credit report. I have asked them, in writing, to substantiate that claim, but they have never done so. By that, I mean I have asked them to send me any evidence that I personally participated in this alleged account. 

I have asked for anything that evidenced a signature, a contract, anything that I might have personally done to incur this indebtedness, but they have not provided that to me. They send fragments of computer records, but those are so susceptible to fraud as to be unreliable indicators. 

I have disputed this alleged claim against me several times, using the credit reporting agency dispute process, but Midland simply says that their records are correct. Their continued reporting of this alleged debt against me, without proof of my involvement, continues to defame me and reduces my creditworthiness. 

Therefore, I have taken this extreme measure to ask that the people to whom I have addressed this letter require Midland to either produce concrete evidence of my personal involvement or remove the claim from my credit report. 

With respect, I sincerely request that the claim against my reputation be removed if Midland can not substantiate it against me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, PA XXXX. RE BankAmerica. Consumer Checking Acct XX/XX/XXXXChecking BA XX/XX/XXXXXXXX, Transfer scheduled to XX/XX/XXXXAcct XX/XX/XXXXXXXX XX/XX/XXXXCFPB, I am filing a complaint against BankAmerica XX/XX/XXXXreport a bank error, XX/XX/XXXXXX/XX/XXXXrecoup the loss I incurred because of it. 
On XX/XX/XXXX, XX/XX/XXXX @ XXXX XX/XX/XXXX, I sent a transfer of {$600.00} XX/XX/XXXXmy account at at XXXX bank ( XXXX ), called an outside bank. This was made XX/XX/XXXXfrom my inside my user profile at BA electronically. I paid for my transfer in 1-3 days I placed it before the bank opened XX/XX/XXXX. 
It never processed until the next XX/XX/XXXX. When funds didn't arrive at my XXXX bank ( Acct XXXX XXXX ) in time XX/XX/XXXXbe debited for a bill scheduled, XXXX paid it, XX/XX/XXXXaccessed a fee of {$36.00} I ask your office XX/XX/XXXXdirect BankAmarica XX/XX/XXXXremburse me for {$36.00} overdraft fee. It processed outside the normal schedule which I paid fo ( XXXX days ), Even as I contacted B/A on XX/XX/XXXX, morning, XX/XX/XXXX, XX/XX/XXXXsimply request XXXX reach XXXX anytime XX/XX/XXXXinform them said transfer was being sent BA refused, adamantly XXXX 
BA states XX/XX/XXXXisn't a banking day -- despite that I submitted my transfer before the bank opened that day. 
Thank you for your attention in this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 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 2021-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2021 my bank charged me too overdraft charges when no overdraft occurred. I have called them to ask that they credit me, which they did on the one but stated their system would not allow them to credit me the other. As you can see my balance before they charged me overdraft fees was {$270.00}. This printout ( attached ) is what I pulled from my computer. There shouldn't be two balances, what I see and what they see, there should only be one correct balance. And if they are going to use a different balance, that is what should be shown to their customers. Though not sure how there would be two balances in the first place. 

I asked them how they are even able to charge fees when no overdraft actually occurred - according to their records- which I accessed my computer ( attached ) and phone. 

They said what I can see on my phone shows a different balance than what is actually in my account? This is ridiculous, a bank that wants you to do all of your banking via your mobile, doesn't give you the correct balance information? How is one supposed to be able to accurately track their balance information if they don't show you the correct information? 

This isn't the first time they have done this, they have done it numerous times. I think this agency really needs to do more to look into Bank of America 's practices, what they seem to be doing doesn't seem legal.

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