vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The dates above, Are all dates I have contacted this company. 
I asked them to fix my account and change my email address, so I could connect to my account and withdraw my deposit to close my account. 
Then after via email communication over a month later after initial contact I was told it was fixed. And that I could log in with the new email and connect to my bank account to withdraw my deposit and it still doesnt work. This company is fraudulent. Its not a number available to consumers to call to speak with customer service. Everything is done via email and most days you get a return reply over a week or month later that doesnt resolve the issue. This company replies to me, not in a timely fashion but does reply to me at the new email but hasnt changed it to the new email within the app so I can withdraw my money and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-14 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
A retirement and cash balance dispersed to me from Wells Fargo and I deposit to my Wells Fargo account at ATM and right away ATM available can used XXXX but then at branch processing they see a large check amount and employee right away placed a hold entirely of total amount for one week and did not follow the hold regulations for straight 7 days, I then right away call to phone bank for customer service and I explained to them no one can not help, then called branch manager at ATM where I make deposit, her name is XXXX and I explain to her, she responded to me that nothing she can do, come to she her on XX/XX/XXXX, she has to time for me, she and all employees from XXXX and XXXX XXXX branch is very bad customer service. No one in charge for XXXX branch, and I ask for district manager to respond that they not allow to provide names or contact information. Now my account being overdrawn and overdraft from my personal line of credit and credit card, I am so ungrateful the way they treated me and other customer. That why I am complaining hopefully they can do something about my account and clear my credit, and change the way Wells Fargo training .Now I need them to straight out and fix the problem for me pay me back all the fees plus my time is value and my compensation will provide.

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 2022-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: HI

Complaint narrative:
On XX/XX/XXXX, I received a debt collection mail at my new address notifying me about a XXXX bill of {$3900.00} that I allegedly owed on XX/XX/XXXX. However, this letter, was dated XX/XX/XXXX. The debt collection company, Convergent Outsourcing , Inc., made it known that I had the option to dispute the debt. The debt collection letter states that " If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe debt. '' On XX/XX/XXXX, I took that course of action and sent a debt verification letter via certified mail. According to USPS tracking, Convergent Outsourcing , Inc. should have received my letter on XX/XX/XXXX. 

Today is Thursday, XX/XX/XXXX. I have not received any response from Convergent Outsourcing , Inc. regarding debt validation. However, the collection information was sent to credit bureaus, which has damaged my credit score dramatically. Therefore, Convergent Outsourcing , Inc., has violated my rights and the terms of the FDCPA.

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 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: MS

Complaint narrative:
In XXXX of XXXX I paid off all my credit card debt. XXXX of those cards was a XXXX XXXX from Continental Finance / Celtic Bank. I accidentally double paid the balance of {$370.00} twice. Thats when the fun starts. Realizing my mistake months later, I called XXXXContinental Finance customer service and asked them to refund the overpayment. In broken English, I was told that they could not do that because they thought that I might be trying to scam them and that XXXX or both of the payments might bounce. Bear in mind that this is XXXX months since both payments were debited from my account. Frustrated, I asked to speak with a supervisor, I was told that one would call me shortly. I also instructed the agent to close my account. He told me that my account was closed. A few hours later, an English speaking agent working from home called me and assured me that I would received a check for both my over payment and half my annual fee in the mail. About XXXX days later, received a check for about {$20.00} ( half the annual fee ) and another check for {$370.00}. Thinking that the matter was resolved, I went on with my life. 

Fast forward to this morning XX/XX/XXXX, I woke up to an email thanking me for authorizing a payment to my XXXX XXXX for {$35.00}. Astonished, I called Continental/Celtic customer service again and spoke with XXXX who did not speak English as her first language and later declined to provide me any employee ID number or other identifying information. She told me that I had a balance of $ XXXX on my account. I said, how is this possible, explained that I overpaid my balance, got a refund for the overage and my account is closed. She informed me that it was not closed. And that my BOTH my payments, made in XX/XX/XXXX, were returned so that I was left with a balance. I tried to explain that that was incorrect, but she just put me on hold them disconnected the call. 

I discovered that my login credentials still work on the website. Continental debited my checking account for {$30.00} on XX/XX/XXXX and initiated another charge of {$35.00} for XX/XX/XXXX. They have also been charging me interest on this fictitious balance. I never authorized automatic debiting of my checking account and certain did not authorize them to reopen my account and start charging me interest on a fictitious balance. 

I need the FTC to please stop these fraudsters.

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 2022-07-14 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: NY

Complaint narrative:
In XX/XX/2021 I sent you a letter regarding inaccurate and unknown things on my credit report. This letter is in response to your response in my CFPB complaints with closed authorization needed, Is it not clear that I have attached my State ID and Utility bill to certify that is in fact me submitting the disputes. I wrote you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: NY

Complaint narrative:
In XX/XX/2021 I sent you a letter regarding inaccurate and unknown things on my credit report. This letter is in response to your response in my CFPB complaints with closed authorization needed, Is it not clear that I have attached my State ID and Utility bill to certify that is in fact me submitting the disputes. I wrote you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit scoring.

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 2022-07-14 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
EOS CCA contacted me in reference to debt that I did not know I could contest and do not owe. I have asked them for verification of debt like a contract between parties or a wet signature they have not provided me, therefore they have vilolated my rights by accessing my report under flase pretense and misrepensentation. 

In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or about XX/XX/2022, I responded to a mail offer for a Walmart Capital One Card. I was approved for a {$2000.00} credit limit and the card was mailed to me. The card is frozen and Capital One asked that I go through an identity verification process. On three times, I sent in copies of my driver license, social security card, utility bill and other identity documents. On XX/XX/2022, a representative contacted me from the fraud department to discuss my application. After verifying information, I was told they would remove the block from the card. As of today, that has not been done. When I call back to speak to somebody, I am told the card is permanently blocked, then transferred to another department. The other department tells me they are working the application. It's like the left hand doesn't know what the right hand is doing. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit reporting agency EQUIFAX INFORMATION SERVICES , LLC has been informed of several UNAUTHORIZED INQUIRIES currently being furnished on the consumer credit report belonging to the consumer XXXX XXXX and has failed to remove or block these unauthorized inquires as required by Federal Law pursuant to the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ]. The term Identity Theft is defined under 12 CFR 1022.3 ( h ) as a fraud committed or attempted using the identifying information of another person without authority. The consumer has identified the unauthorized inquiries provided herein have resulted from Identity Theft and unauthorized use of the consumers personal identifying information and has given notice that these unauthorized inquiries have not resulted from any authorized consumer credit transaction. The credit reporting agency EQUIFAX INFORMATION SERVICES, LLC is in violation of the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ] for failure to block from reporting the unauthorized inquiries no later than 4 business days after receipt and delivery of the notice delivered on Sunday XX/XX/2022 at XXXX sent by way of USPS Priority Express Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is hereby required by Federal Law that this agency immediately remove or block from reporting the following unauthorized inquiries : UNAUTHORIZED INQUIRIES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
XXXX XXXX calls and leaves voicemails at least once per week. On XX/XX/2022 at XXXX EST, XXXX XXXX called and I answered. She informed me she was calling to collect on a debt from XXXX XXXX and asked if I wanted to setup payment arrangements. I said no and asked her to send me records of the debts. 

She said the company would not send me anything, that Ive been disputing the account for years and began calling me names and screaming. She hung up. I called back and asked her to add me to the do not call list and to instead communicate via written letters. I asked her what address she had on file and to update it with my current address. She again began calling me names and yelling telling me to not call her place of employment again. She then hung up after refusing to update the account per my request. 

I called back and she hung up. I called again and she answered and threatened to sue me if I called again, then hung up. I called again and this time was met by a supervisor. I repeated my request in accordance with the FDC act and he said he would add my number to the list. I asked to make a complaint against XXXX XXXX and he said the office was closing up for the day. 

I do not own this debt. Ive supplied the credit bureaus with proof that the debt is resolved with the original owner of the debt and the collection was removed. 

Please see attachments. I was offered a reduced tuition payment and I accepted. My student status was then restored without restriction. 

The collection is not being reported to any of the 3 credit bureaus but this company continues trying to collect.

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 2022-07-14 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: NY

Complaint narrative:
There are items on my credit report that are violations of the FCRA. There is invasion of my privacy and defamation of my character. No consent, Identity theft!

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 2022-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  account number XXXX, XXXX account partial account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX. XXXX partial account number XXXX, XXXX Department of Social Services account number XXXX, have all violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an account without my written consent or instruction.

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 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MI

Complaint narrative:
On XX/XX/XXXX US Bank restricted my Business Checking account due to a chargeback that was disputed over XXXX ( for Business ). I went into the bank on XX/XX/XXXX and they said they are doing a review, will be closing the account ( which has a balance of {$210000.00} ), and mailing me a check. I have attempted to resolve this issue in a timely manner but it has been almost 4 months now with no change of status and I really am in need of this for my business. They have not given any help and are outright rude when I try to get to the bottom of 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 2022-07-14 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: GA

Complaint narrative:
This letter is in response to your response to CFPB with closed complaints with Authorization needed, I have attached my State ID and Utility Bill to certify that is in fact me submitting the disputes and you guys closing it and did not precede with your investigation as per my request you to reinvestigate. I am writing you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 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: Synovus Bank
State: OK

Complaint narrative:
Signed up on the internet for a First Digital card with XXXX XXXX XXXX. Was told I have to pay a XXXX fee upfront. Processed this with my credit union in XX/XX/2022. I was told by customer service at First Digital that I have a XXXX credit limit and after the annual fee is taken out I have XXXX available. Talked to someone named XXXX at XXXX XXXX XXXX XX/XX/2022 and told him to close the account. Cut the card up. Talked to someone named XXXX at the same number yesterday. They wont tell me where they are located. Nothing is secure about this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I emailed the company regarding trying to make a payment online and it wasn't letting me. The did respond to me on and told me I needed to call to them. I didn't get a chance to call and was going to make a payment on XX/XX/XXXX and I woke up this morning of XX/XX/XXXX to find my car gone a XXXX XXXX XXXX they also took my XXXX XXXX XXXX. Nothing on my loan account when I log in states my car was going to be repossessed. I did not get anything in the mail that stated my car was going to be repossessed. I would think I would have been notified that if I didn't make a payment or make arrangements or something my car would be repossessed in so many days.My loan payment was past due {$1500.00}. Now I have no way to get to work.

Company response to consumer: Closed with explanation