vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
For years 2 debt collectors have been trying to recover a false debt from me. I have checked my credit report multiple times over those years and the debt never appears and my identity has never been compromised. These so called debtors do not have my full correct name, and claim the charge is for purchasing gasoline in Nevada. I live on the East coast and have not owned a car in 20 years. Somehow these companies have my mailing address. The first company that approached me on this was : XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, XXXX XXXX After sending them a registered letter informing them of all the reasons they have the wrong person, I reported them to the Consumer Financial Protection Bureau. Shortly after I started getting letters to collect the same debt from : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX I sent this company a similar registered letter, telling them if they bought the debt from XXXX XXXX XXXX that I had reported this in 2016 to the Consumer Financial Protection Bureau. XXXX XXXX XXXX via Resurgent Capital Services ( XXXX XXXX XXXX, XXXX, SC XXXX ) recently sent me a lengthy request for proof of my identity theft ( which never happened ) and asked for more information about my identity. This is screaming RED FLAG to me, and I believe these false companies posing as debt collectors are actually the identity thieves. I will not be replying to XXXX XXXX XXXX any further, and instead I am sending this information to the Consumer Financial Protection Bureau hoping they will pursue this false, predatory claim. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
wells fargo is malicioulsy preventing me from utlitzing a legal POA on my mother.

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 2021-04-29 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: WA

Complaint narrative:
Basically after a brief search of my credit history yielded no current history since roughly XXXX. I reached out to all 3 credit card reporting agency 's, they said that my creditors were not reporting my status? Finding that odd since I have been with the same financial institute for years. I asked them and they have been, they also submitted a dispute with all 3 agency 's. The result was determined because I only have one name these agency 's were and are not reporting my history.

I called all 3 explaining what my legal name is. After several attempts they finally said send a letter with proof of ssn, and drivers license. Which I did and then waited several days. I received from TransUnion 2 documents of the same content with different dates showing no corrections. 
I then started to call all 3 agency 's only to find that even though TransUnion said they received the letter they weren't reporting? For what reason I could not understand. My call was routed outside of the XXXX to XXXX I believe, I am not sure why my credit history and or reporting is done outside the XXXX. 
I did not feel comfortable as I had given out enough personal information and still they are not reporting my history. I am a XXXX old man and a business owner with no credit history?? These 3 agency 's I assume because of my name are not reporting or making public my credit history????????????????

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 2021-04-29 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: MD

Complaint narrative:
This is an admission of documentation for the following complaints : ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO EXPERIAN XXXX I forgot to attach with the original complaints.

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 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Hello my name is XXXX XXXX I opened an American Express card back in XXXX of XXXX with a starting balance of {$6000.00}. In XXXX of XXXX my credit limit increased to {$12000.00}. When I called in to add a AU American Express offered me the gold card on XX/XX/XXXX. I added my brother and sister to my gold card when American Express opened the gold card. I was using the card and every time I used the card, American Express would block it. By them blocking the card that resulted in me paying the balance on the card every time we used it. American Express still blocked the card. On XX/XX/XXXX I received a email from XXXX XXXX, phone number XXXX Extension : XXXX, asking for form 4506-C. Me and my family submitted it over right away. 
Me and my family income is over {$90000.00}. They emailed me back and told me they just wanted my tax transcripts, which I sent it right over. I received an email from American Express stating they were closing my accounts, both of them. No explanation as of why they were closing them. I stocks and brokerage accounts, I just started a new business in XXXX and I make well over {$60000.00} and not once did they ask to review my bank statements or anything but as I go online and read the reviews I see where other American Express customers were able to submit it their bank records instead of their tax records for the financial reviews and had their accounts reopen. I feel like this whole situation is absurd and I feel like Im being discriminated. How is it that Im not able to prove that Im financially responsible for these cards by showing bank records but other people are? I have never been late on any of my cards, they have never been over the limit and with the new card the balance was paid every time I spent something, so how was subjected to a financial review? Then to have my cards closed with no explanation is crazy!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource is reporting an erroneous debt on my credit file. I never received a call or notice about this debt and it recently appeared on my credit file. I immediately called Credence Resource and the original creditor to find out what this debt is for. XXXX XXXX says its for an XXXX XXXX XXXX debt but i have not had service through them for a long time and didnt not have them long enough to accumulate the debt that is being reported. I called XXXX XXXX XXXX and they said they can not find where the debt came from and i called the collection agency and they can not find me in their system. If this is a debt i owe i have no problem paying it but i need them to remove this from my credit file and send me my 30 day notice, as i have the right to be notified before this is added on my credit file, so i have time to settle and avoid this showing up on credit again. If it is not my debt i need it removed from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
An account with KIA MOTORS FINANCIAL is showing on my credit report for an account I had with XXXX. I sent letters certified mail to both of these dealerships. XXXX responded and sent me the check proof they sent to KIA MOTORS FINANCIAL that was CASHED by them on MY BEHALF for MY ACCOUNT. ACCOUNT NUMBER XXXX which you can see on the check and on my credit report which is attached. KIA MOTORS has been very negligent and has failed to respond or remove this inaccurate account from my credit report. They sent this account to collections hurting my consumer profile which hurt my ability to get credit elsewhere for THEIR NEGLIGENCE. I requested the account record of all transactions and proof that this company did not receive the check and have no received anything for the past year. They are committing fraud by reporting this information. Please investigate this and remove it from my credit report immediately I have attached all the proof. My credit report, the CASHED check along with my identifications.

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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i went into XXXX to access my credit report online. I received an error message from both Transunion and XXXX  indicating that they could not issue my credit report online. I entered my information correctly for both agencies on XXXX. Both agencies have not given me any answers as to why I'm unable to access my credit report online. Both agencies have not given me any solutions to help me access my credit report online from XXXX. I have not been given any solutions from XXXX as to how to rectify the situation to help me access my credit report online at annualcreditreport.com. I am not interested in receiving a paper version of my credit report. I am entitled to access my credit report online from XXXX and by law and Transunion, XXXX  and XXXX are violating the law by not allowing me to access my credit report online from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted 3 request to experian for a METHOD OF VERIRIFICATION and have received nothing but a letter stating that company reporting information is reporting it correctly. I have not received any information that I request in regards to who is reporting this information. Name and number of contact for the person. I have also request that if it is a 3rd party company that the information be removed from my credit because it is against FCRA to receive and report info from a 3rd party company as they are not able to fully verify my information is correct with that company. As a 3rd party company is not able to provide my full ssn or information as it is a violation of privacy act. ... ... ... ... ... 

I am outraged your company continues to maintain a dismissed or filed bankruptcy as confirmed on my credit report. This unconfirmed unverified dismissed bankruptcy as stop me from obtaining credit. I know for a fact your company receives third party information from a system know as pacer. The PACER system is inaccurate and incomplete since the PACER system does not provide complete social security numbers as that would be against the fair credit report act of privacy laws. The fair credit reporting act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissal or filing. This law clearly states from date of injunction or date of order of relief. It is only fair that according to section 1618 a f of the FCRA that you delete this from my credit report and send me an updated copy.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - [ 1681 ( c ) ( a ) -1 -- -Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EXPERIAN REFUSES TO ADHERE TO MY REQUEST FOR METHOD OF VERIFICATION AND CONTINUES TO REPORT AN UNCONFIRMED AND UNVERIFIED INFORMATION. I KNOW FOR A FACT THAT THIS INFORMATION WAS VERIFIED THROUGH BANKRUPTCY COURTS AS THEY DO NOT SUPPLY INFORMATION TO CREDIT REPORTING AGENCIES AS PROVEN BY THE LETTER ATTACHED TO MY COMPLAINT. IF A THIRD PARTY IS PROVIDING EXPERIAN WITH MY FULL SOCIAL AND ALL OF MY PERSONAL INFORMATION I NEED THE NAME AND CONTACT INFORMATION SO THAT I MAY FILE A DISPUTE WITH THEM FOR VIOLATING THE FCRA PRIVACY ACT.

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 2021-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I really need your help. There's been countless inquiries that were applied to my credit report. I dont know where they came from because I didn't give anybody authorization to do so. My credit report took a hit all because these companies are being deceitful. This isn't right. Somebody must have been applying for things in my name. Section 605B of the FCRA states that these items must be blocked from my credit report while under investigation. I've filed a FTC report because of this, and I really don't want to have to escalate it even more. Please delete these inquiries from my report immediately, or I will have to file for litigation.

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 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XXXX XXXX I discovered my checking account at US Bank had been closed without notice, so I went to my local branch here in Nevada and asked why, They said " your account was closed do to 3 suspicious Unemployment checks from the state of Florida being deposited in your account ". We returned to the local branch a week later to get an update and hopefully get our money, They said it could take a couple months to get a resolution. So I waited 2 months and called the Fraud Department at US Bank. 
Now, the Fraud Department at US BANK says it could take up to a year and until the depositor claims those unemployment checks, I might never get anything 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 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid my account balance in full. I left a balance of XXXX, which was the interest that I incurred during the prior billing cycle. I called Bank of America an asked if they were able to waive it for me as I paid my account balance in full. On two separate occasions I was advised they were unable to do so. I paid the remaining balance on XX/XX/XXXX and my cycle closed XX/XX/XXXX. I received my statement and I am being charged XXXX interest. I called and asked if this could be waived as I paid my account in full. I was told they are unable to do so.So Basically I have to pay interest on interest. At this point I am very disappointed with Bank of America. Ive been with them since I was XXXX XXXX XXXX. If I am unable to have this resolved I will close all my accounts and take my business elsewhere.

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 2021-04-29 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: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/2020, I lost my wallet for several hours while under the influence of alcohol. During that time an imposter went to XXXX in XXXX and attempted to use my corporate XXXX XXXX to make a large purchase which was denied immediately by XXXX. They then used a different credit card ( Fidelity/Elan Services ) to purchase {$5700.00} in items. The imposter also tried to make additional purchases at XXXX XXXX XXXX which was denied by Fidelity/Elan Services, although no notification or alert was sent to me. When the wallet was found I was unaware of such charges since all credit cards were there. When I found out about the charge to XXXX posted on my account I immediately contacted card member services and reported it as fraud. The transaction amount was temporarily refunded until XX/XX/XXXX. I received a letter from Elan Card Member Services stating the transaction had been reversed and I was liable for the purchase and listed the following reason " The card was used by an individual that you had previously authorized to use the card and did not notify us that the person was no longer authorized. '' I've contacted card member services and was informed the case had been closed even though it had never been reviewed by an independent agency. I do not believe XXXX XXXX XXXX XXXX has conducted a reasonable investigation according to the XXXX 'Regulation Z '. After several months of repeated phone calls to case processors and supervisors, the company is unwilling to take the steps necessary to properly investigate this case, including but not limited to, acceptance and examination of the police report, examination of the credit card receipt in which must identify the cardholder or authorized user, review of prior purchasing patterns and locations. Furthermore, when I requested documentation of the reasonable investigation I was denied and told to write a letter to the office of the president for any further communication.

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 2021-04-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Requested to have comments/ remarks removed from credit profile for purchasing of home received notification that request was completed but wasn't actually done. Had to call back and request same thing again and requested that it be escalated was told by previous rep that there was no one I can escalate my issue to and disconnected on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Mr Cooper ( Nationstar ) withdrew four unauthorized payments from my account on XX/XX/26, resulting in a loss of almost eleven-thousand dollars intra-day, as well as incurring of excessive transaction fees from my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On numerous occasions Equifax did not do a thorough investigation and refused to and disregard my disputes and demands to take Certified Services and XXXX, Comenitycapital/wynd, XXXX Vacation Own inquiries off my credit report. They are in violation of FCRA ... You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Company response to consumer: Closed with explanation