vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I dont have a debt with them they are calling in regards to someone with the same name as me and Ive asked them nicely to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX i was contacted by a scamer. thru his process i made the mistake of opening my account. when i realized this was a scam. i called usaa to freeze my accounts. i needed to stop payment on my accounts. i spoke with XXXX who refused to do that.. instead she wastes time changeing my account security. when she should have froze my accounts first and then changed the security on my accounts. by doing this she bought the scammer time. when she finished with me she did not report the scam. i had to call again to stop payment on my accounts. this got the scammer more time to scam my accounts. if usaa would have co operated with me there would have been a different outcom. i never received a copy of any dod when i opened the savings account. t have had a checking account with this bank since 2015 and never was made aware of any dod.evidence shows XXXX did not follow the proper protocal. i need the XXXX back in my savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems of the Fox Valley, Inc.
State: WI

Complaint narrative:
I am federally protected consumer and CREDIT SYSTEMS OF FOX VALLEY has damaged my reputation and cause financial injury. pursuant to 15 usc 1692a, CREDIT SYSTEMS OF FOX VALLEY violated my right to individual privacy by gaining access to my personal information, furnishing information of an alleged debt to my consumer report which damaged my reputation and causing financial injury. I have been denied credit because of this allege debt on my consumer report. 



CREDIT SYSTEMS OF FOX VALLEY violated 15 USC 1692c ( a ) because they did not received written permission from me a federa lly protected consumer to have my personal information or to communicate with me. 

CREDIT SYSTEMS OF FOX VALLEY has used abusive language in their communication to me about this alleged debt and have committed a number of other violations according to 15 USC 1692. 

CREDIT SYSTEMS OF FOX VALLEY has deleted accounts from my consumer report however deletion is admission to the numerous 15 1692 USC violations they committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Received my Citi Costco Visa bill noticed at least two charges by XXXX XXXX two I don't do business with. I called Citibank frauds and they said they would investigate the two charges as fraud. This was done on or about XX/XX/XXXX. I called last week XX/XX/XXXX cause the new bill charged me interest of XXXX due to them not taking the XXXX XXXX charges to the side. Citi card customer service said to call back today XX/XX/XXXX. To check on the fraud investigation, customer service female hung up on me before I could get name. Then called customer service rep. Said I just added fraud on XX/XX/XXXX, which is incorrect cause I called in XXXX and Citi frauds only put one of the three XXXX XXXX charges as fraud and credited me back, so two are left. They are incompetent and have no reference number to go back at them with, so they say we don't see any fraud complaints from you. Please help. Charging me interest on fraud and have a XXXX XXXX attitude toward corrected such fraud.

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 2020-11-19 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: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME THEY STOLE MY IDENTITY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME THEY STOLE MY IDENTITY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-11-19 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
In a XX/XX/2020 telephonic communication with a supervisor connected with American Express ( AMEX ) XXXX  card accounts, the supervisor accused me ( CARDHOLDER of the credit card at issue ) of committing a fraudulent credit card transaction by receiving cash for a charge rather than receiving goods or services. However, no specific transaction was identified by the supervisor, and no such transaction has been made by CARDHOLDER. 

In a XX/XX/2020 letter from AMEX, CARDHOLDER was tacitly accused of credit card fraud in writing, but no specific transaction was identified in the letter. Again, no such transaction has been made by CARDHOLDER. 

A full description of events relevant to this complaint is being submitted, along with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications regarding the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and have yet to receive any response.

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 2020-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd.
State: MN

Complaint narrative:
Cash Store loan was paid. Now they are saying it is not. I am receiving threatening calls to my employer, friends, home, relatives, etc. They are threatening to show up tp my home and employment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: MS

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
This company place a collection on my account from 2015 I have not been notified, I have not been given the the right to dispute this bill, I woke up and my credit dropped over 40 points. I called the company they were very disappointed trying to strong arm me during a pandemic for a bill they couldn't verify. From 2015. I have two health insurance companies and im 100 % covered so if I was notified it could have been taking care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications regarding the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and have yet to receive any response.

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 2020-11-19 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: SC

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: SC

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2020-11-19 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: SC

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
I write to you about my Citibank banking account I opened while I was studying in the US. 

On XXXX XX/XX/2017, the Bank notified me by mail that they were taking action to close my account, and they wrote to me that they were going to mail me a check for the remaining balance in my account after it closes ( almost XXXX XXXX usd ). 

I didn't take any action and just waited for the check. 

Subsequently, on XXXX XX/XX/2017, the Bank confirmed to me by mail that my account had been closed, but, contrary to what was written in the previous letter, they asked me to provide instruction otherwise the funds were being held by a Citibank branch. 

So, on XXXX XX/XX/2017, I wrote the instruction, but unfortunately, I haven't received anything so far. 

Later, I called Citibank several times and wrote them a couple of letters requesting to send me back the remaining balance. 

Citibank has never answered to me and they still keep unlawfully my money.

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 2020-11-19 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was contacted by Wells Fargo 's automated service on XX/XX/2020 of insufficient funds in my account. The auto-payment of the credit card, which had been suspended, was reactivated without warning and drafted from the wrong account. 

As a result, I have incurred a {$35.00} returned payment fee. It also seems my credit was affected. I made Wells Fargo aware on XX/XX/2020 by phone call that the amount needed to be reversed and all automatic payments needed to be suspended. I noted on this phone call that I would like written resolution, as well as an email confirming that I had contacted them on the matter. 

I received a confirmation of my complaint on XX/XX/2020 stating that the matter would be resolved, at the latest, within 10 business days. It has now been 11 business days and my account has not been credited with the fees that were erroneously charged to me after an automated charge that was cancelled was run against the incorrect account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
I am a victim of Debit Card Fraud. XXXX XXXX and XXXX XXXX stole my card and stole {$6000.00} from me. They have both been arrested and we are waiting for a court date so that I can press charges. Way 2 Go card company, issued by Georgia Department of labor has everything they need per XXXX XXXX County Police Department to refund my money. They still have not given my money back. I'm not sure why. A crime was committed and Way 2 Go is letting the criminals get away with stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: PA

Complaint narrative:
I tried to solve my credit problems with the credit bureaus, because they are reporting inaccurate information that is affecting my credit score. I have Inquiries that I didn't authorized, and negative accounts that should not be there.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: One Technologies, LP
State: UT

Complaint narrative:
We have been charged XXXX every month from XX/XX/XXXX to XX/XX/XXXX by " XXXX ''. We never signed up for any service or product from XXXX. We called them and asked them to stop all charges and refund our money. They said that they would " try ''. We have no idea how this company gained access to our bank account information. We did not give it to them. This company was fine XXXX XXXX for this fraud in XXXX and it needs to happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: NCB Management Services Inc.
State: FL

Complaint narrative:
I've sent numerous certifies letters to all 3 major credit bureaus including the Collection agency NBC MANAGEMENT SERVICE ( XXXX ). They're reporting a debt that I'm not familiar with and they have not explained to me where this debt is from nor have they validated the debt for me Its been over 60 days and this is really starting to hold me back from me closing on my home for myself and children. Im a hardworking single mother and this just isn't right. I really need assistance with this matter, Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

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 2020-11-19 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

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