vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Notified XXXX XXXX on XXXX that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).  Never received any mail from 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 2018-01-10 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: PENTAGON FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I have fraud alerts on my credit reports and someone is trying to open up accounts on my credit that is not myself and whenever the credit grantor attempts to contact me as instructed on my reports the accounts are not allowed to be opened because I had no knowledge of the attempts. However these inquiries are still allowed on my credit reporting. Please remove them. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and Pentagon F C U

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 2018-01-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My home was flooded with Hurricane Harvey. I requested forbearance with Bank of America. I have come to learn these months of rebuilding my home, my mortgage is being reported negative.

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 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
These credit bureaus, and these collection companies have admitted that my credit file has been breached. With the help of these thieving collection companies, my personal information is being used all over Georgia with impunity. These collection companies know very well these are not my accounts ; however, these collection companies are seeing blood in the water, and they are focused like the sharks they are. 

We must close these collection companies, and they are unabashed in corrupting my credit report. This is unacceptable and unenforceable, and this is an unscrupulous bid by these companies to inject itself from legitimate deeds against them. My Social Security number, birth date, address, driver 's license information is in the hands of criminals supplies by these collection companies and XXXX, XXXX, XXXX, and XXXX. 

This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. Lock-up these managers at these collection companies, and the credit bureaus. They are smooth and courageous criminals. This situation emerged since my personal data is cherished to thieves, these bureaus, and these collection companies are in the business of making money legally, and/or illegally. 

These companies are much more than a credit reporting agency. It is a data broker, and thieves who are living like fat rats. It collects information from all of us, analyzes it all, and then sell them. If they think I will kick the can down the road when it comes to my credit. Well, I got news for them today, I am not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Federal Adjustment Bureau, Inc.
State: IL

Complaint narrative:
The bankruptcy is over 7 years old and should be removed from my report.

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 2018-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Banks has engaged in a pattern and practice of lending consumers " overdraft '' lines of credit at exorbitant interest rates to its customers with no notice of such loans, and no prominent disclosure of the interest rate at which such loans are made. Citizens then lets the loans languish while the consumer has more than enough funds to pay the loans off. Citizens has been able to do this by encouraging the use of " paperless '' statements. In my personal experience this has happened on several occasions to the point where I finally cancelled the overdraft feature of my account in XXXX of XXXX. I was certain I had paid the full outstanding amount of any overdraft loan at that time, when approximately two years later I learned that I had yet another overdraft outstanding balance from XXXX. I have been caused to pay {$1000.00} on this {$2000.00} loan in the course of two years when I easily could have paid it off. I am on the phone now with Citizens Bank ( have been on hold for one hour ) and they are telling me that I have to GO TO A BRANCH to pay the overdraft loan when I have {$34000.00} in my account. I need to pay the {$2000.00} immediately because I am applying for a mortgage and will suffer irreparable harm if I am preventing from doing so. I believe Citizens is intentionally making the repayment of such amounts so they can continue to profit from the unfair, onerous interest amounts they charge consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
This account was opened fraudulently as a result of ID theft. Furthermore it was previously dismissed as fraud when XXXX XXXX attempted to illegally collect on the 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 2018-01-10 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/XXXX17 XXXX XXXX XXXX XXXX placed a hard inquiry on my XXXX report. I have called the company two different times and was told by two different representatives that XXXX XXXX XXXX is a department that does n't exist. The representatives each told me that it 's nothing that they can do and to call the reporting bureaus. The only credit report it 's showing up on is transunion. I have called transunion numerous times and the representatives are not willing to help either. Transunion is telling me that they do n't dispute inquiries and to call 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 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I made a deposit of {$1000.00} at XXXX XXXX PST XX/XX/XXXX from my XXXX XXXX XXXX checking account. I also made a second deposit of {$1000.00} at XXXX XXXX PST XX/XX/XXXX from my XXXX XXXX XXXX checking account. I was sent an email ensuring that all my funds would arrive within 2-4 business days so that I would be able to utilize them. At the time of writing, it is XXXX PST XX/XX/XXXX and my funds have not arrived yet. 

I have tried calling the customer support of Coinbase, but they have been of no help to me. They say that " the funds will eventually arrive '' but I have plans with the money that have been postponed due to the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: PA

Complaint narrative:
ERC on XXXX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested ERC to remove incorrect information off my credit report. More importantly, ERC are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: CA

Complaint narrative:
I am repeatedly being called by Nationwide Recovery. The preliminary call is a robo-call asking to return a call to XXXX. I have received these calls 1-2 times per week for several months. On 3 occasions I have called back to speak to a representative. In each case I have been informed that they have no debt associated with me. On one occasion I asked to speak to the supervisor. I was transferred to a voicemail and left a message explaining my situation and my concern that I was being harassed. I left contact information to get back to me to discuss my concerns. I was never contacted by the supervisor, however, the robo calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the credit bureau responded back with verified and updated. After calling them, they told me if I believe this was unauthorized, please contact the creditor and still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my TransUnion credit report. Regarding the following inquiries. 1 ) XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX, & AGAIN on XXXX XXXX, XXXX, XXXX ) XXXX XXXX  Inquiry from XXXX XXXX, XXXX, 3 ) XXXX XXXX Inquiry from XXXX XXXX, XXXX, 4 ) XXXX Inquiry from XXXX XXXX, XXXX, 5 ) XXXX - Inquiry from XXXX XXXX, XXXX ( and ) XXXX XXXX, XXXX. I have disputed these unauthorized inquiries for several months with no help from the companies or TransUnion. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature from all companies inquiries. I have NEVER applied for credit online or in the store with any of these companies. I have had no response from certified letters sent to several of these companies. XXXX XXXX service is a third party for another company and keeps telling me that they will not investigate these two inaccurate inquiries that they requested on my credit file. XXXX XXXX  Company keeps referring me to the credit bureau to investigate or Veterans home loan. It is NOT my job to track all of these companies down. These are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. XXXX XXXX responded that there two inquiries were not authorized by me but they needed an updated address for a bill. I DID NOT AUTHORIZE XXXX XXXX to pull my credit not once but twice they pulled it to find my address??? ABSOLUTELY no reason to pull a HARD inquiry on my credit report without my authorization! I am demanding that all of these unauthorized inquiries be deleted from my credit file immediately! I am demanding that TransUnion do their job and abide by the laws!!

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 2018-01-10 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: TX

Complaint narrative:
My home was flooded with Hurricane Harvey. I requested forbearance with XXXX XXXX XXXX. I have come to learn these months of rebuilding my home, my mortgage is being reported negative.

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 2018-01-10 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: Credit Karma, LLC
State: MO

Complaint narrative:
XXXX, XXXX and XXXX has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: FL

Complaint narrative:
The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. The first account is with " XXXX XXXX XXXX '' for {$3800.00} with account number # XXXX. The second account is with " XXXX XXXX XXXX '' for {$1400.00} with account number # XXXX. I have spoken to representatives at both companies and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

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 2018-01-10 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: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA

Complaint narrative:
I have fraud alerts on my credit reports and someone is trying to open up accounts on my credit that is not myself and whenever the credit grantor attempts to contact me as instructed on my reports the accounts are not allowed to be opened because I had no knowledge of the attempts. However these inquiries are still allowed on my credit reporting. Please remove them. Iberia Bank, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and 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 2018-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo took {$290.00} deposit and are saying they didnt get it when XXXX XXXX has sent me and then all the information showing they got it, I was using the money Friday and Saturday when I got up the account was overdrawn. They still havent given me the money, now my account is overdrawn. They also closed my savings account when I had claims open, they owe me over {$1000.00}. They wont give me 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 explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Schreiber Law Firm, PLLC
State: CO

Complaint narrative:
I received several calls from a local number to XXXX ( XXXX ) XXXX XXXX XXXX or XXXX XXXX. The latest call was on XXXX at XXXX XXXX MST. They were attempting to collect a debt from the XXXX XXXX XXXX for a medical bill that was paid sometime prior to XXXX. 
I have not lived in XXXX since XXXX or visited the XXXX XXXX XXXX XXXX since XXXX. 
When I asked the company name for which they were attempting to collect a debt they hung up. When I called back they told me it was for the XXXX XXXX XXXX XXXX threated to send me a subpoena to XXXX county court then hung up again. XXXX XXXX XXXX would not give me the date of the original debt, continued threats to send me a subpoena and hanging up. 
After 4 attempts to call back and speak with them, I gave up. 

I am disputing the fact that there is even a debt and if there was the debt would be 22 years old well  beyond the Statue of limitations for medical debt for XXXX ( 6 years XXXX Revised Statutes Title 13 S.80-103.5 ) and XXXX ( 6 years 78B-2-309 )

Company response to consumer: Untimely response
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Webcollex, LLC
State: PA

Complaint narrative:
XXXX XXXX on XX-XX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: MO

Complaint narrative:
XXXX, XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and..

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed.

Waiting for a Reply, 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 2018-01-10 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: FL

Complaint narrative:
The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. The first account is with " XXXX XXXX XXXX '' for {$3800.00} with account number # XXXX. The second account is with " XXXX XXXX XXXX '' for {$1400.00} with account number # XXXX. I have spoken to representatives at both companies and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

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 2018-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
For over two years Works and Lentz has sent letters to me stating that a lawyer would sue me if I did not pay a medical debt, On the phone Works and Lentz has repeatedly called and informed me that a lawyer has reviewed my account and will be coming after me.

Company response to consumer: Closed with explanation