vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Hello, XX/XX/XXXX I opened up a credit card acct. with Wells Fargo. The credit card was eventually Charged-off of my acct. with a balance of {$400.00} owed. In XX/XX/XXXX I decided to dispute the account and noticed that Wells Fargo had increased the amount due to {$670.00} and also added the late payment dates of XX/XX/XXXX and XX/XX/XXXX even though the acct was already Charged-off. I wanted to make sure this wasnt an illegal practice of aging or something different. Thank you

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 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I spoke with XXXX XXXX regarding a collections that they stated was mine. I sent a letter asking them to verify and validate the debt, but I never received a response. I informed her that this was in violation of the Fair Credit Reporting Act. This account need to be deleted immediately because I know that they don't have access or any kind of documentation available on this debt. This collection can't be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: R & B Corporation of Virginia
State: NY

Complaint narrative:
XXXX and XXXX  keeps saying an collection on my credit report is verified but dont explain how. The company is in XXXX XXXX and I live in XXXX. I have never reside in XXXX XXXX. I have never received a bill or collection letter from this company. I have proof of where I have been living for the past 10 years. Where is the proof that I lived in the location that the services were provided? How was it verified? I had collection shield send a validation and verification letter but the company never responded within the 30 day timeframe. So how is XXXX  and XXXX validating this account? I will have to seek a lawyer to sue XXXX, XXXX  and credit control corporation if this fraud account isnt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THESE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DON'T KNOW HOW THIS HAPPENED AND I HAVE NO IDEA OF ANYONE WHO WOULD BE ABLE TO DO THIS TO ME. I BELIEVE THAT I HAVE BECOME A VICTIM OF IDENTITY THEFT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. 
I AM ASKING THAT RE-INVESTIGATION TAKES PLACE ON THESE ACCOUNTS AND INQUIRIES. I WOULD ALSO LIKE FOR ALL THE NEGATIVE ACCOUNTS AND INQUIRIES BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-02-24 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THESE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DON'T KNOW HOW THIS HAPPENED AND I HAVE NO IDEA OF ANYONE WHO WOULD BE ABLE TO DO THIS TO ME. I BELIEVE THAT I HAVE BECOME A VICTIM OF IDENTITY THEFT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. 
I AM ASKING THAT RE-INVESTIGATION TAKES PLACE ON THESE ACCOUNTS AND INQUIRIES. I WOULD ALSO LIKE FOR ALL THE NEGATIVE ACCOUNTS AND INQUIRIES BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Utah System of Higher Education
State: CA

Complaint narrative:
I spoke to a representative on XX/XX/XXXX and requested that they do not call me during business hours, which is my right as a consumer to do. I then emailed the company to request the same. Today, XX/XX/XXXX UHEAA violated my rights by calling during business hours. 

I have already mailed the forms needed for my loan to be reassessed, at this point this is harassment and a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Minto Financial dba Minto Money
State: IN

Complaint narrative:
I applied for the loan online on the minto money website on XX/XX/20 and I was contacted by a representative named XXXX on XX/XX/20 around XXXX. I asked why he was calling from a XXXX area code if the company is from Alaska to later find out that is only a PO box address. I gave  them my social security number and my bank account routing and account numbers as well as my full name, address and phone number. I don't know what to do. This is a scan for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: AZ

Complaint narrative:
I received a letter out of nowhere from National Enterprise Systems today XX/XX/2020 stating that I owe {$120000.00}. The original creditor is XXXX XXXX  whom I never had any credit card or associations with. I believe this is fraud as my social security might have been compromised. I called National Enterprise Systems and told them I do not know what this debt is nor do I see this on my credit report and they kept assisting I pay, I asked them why would I pay if I don't even know what this is? 
I then called the original creditor, XXXX XXXX  and told them I don't have a card with them. They attempted to look me up in their system using my full name and social security number. When they couldn't locate me they told me to disregard the letter and that XXXX XXXX has been experiencing fraud. I do not want this on my credit report as this is not my 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 2020-02-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a dispute to Experian regarding an account with XXXX XXXX XXXX that was reporting inaccurately on my credit file. The account was opened on XX/XX/XXXX, but Experian does not show any payment history from XX/XX/XXXX to XX/XX/XXXX. Thus, 10 months of payment history are missing and the account is incomplete. I sent Experian proof that the reporting is incomplete with my dispute. 

On XX/XX/XXXX, Experian responded by saying the account was updated. However, the payment history I disputed as incomplete did not change and was still missing 10 months of payments. Even if XXXX XXXX XXXX verified the incomplete information, Experian did not conduct their own investigation into my dispute. The FCRA requires Experian to delete incomplete information that is not corrected, but Experian did not do so.

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 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I spoke with XXXX XXXX regarding a collections that they stated was mine. I sent a letter asking them to verify and validate the debt, but I never received a response. I informed her that this was in violation of the Fair Credit Reporting Act. This account need to be deleted immediately because I know that they don't have access or any kind of documentation available on this debt. This collection can't be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: TX

Complaint narrative:
I asked for a XXXX XXXX dollars loan and I didn't know they send the money to my account and when the first payment is due two days  before I got the money. And not they are calling n email about I owe them XXXX now n try to sue for XXXX and I don know where all the come from. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received a letter out of nowhere from XXXX XXXX XXXX today XX/XX/2020 stating that I owe {$120000.00}. The original creditor is CITI Bank whom I never had any credit card or associations with. I believe this is fraud as my social security might have been compromised. I called XXXX XXXX XXXX and told them I do not know what this debt is nor do I see this on my credit report and they kept assisting I pay, I asked them why would I pay if I don't even know what this is? 
I then called the original creditor, CITI Banks and told them I don't have a card with them. They attempted to look me up in their system using my full name and social security number. When they couldn't locate me they told me to disregard the letter and that CITI Bank has been experiencing fraud. I do not want this on my credit report as this is not my 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 2020-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
XX/XX/XXXX called and requested payoff amount to payoff XX/XX/XXXX. Amount given and paid in full XX/XX/XXXX XXXX checked online to make sure payment posted and {$24.00} late fee assessed. Called customer service and explained I was never informed there would be a late fee if paid XX/XX/XXXX and obviously amount not added to payoff amount. Requested the late fee be waived. Rep said he would request waiver. 
XXXX checked online fee still not waived called back told takes 24-48 hours XXXX checked online again still not posted called again informed that it was approved but they are waiting for it to be posted can take up to 4 days XX/XX/XXXX checked online again still not posted called back was told it was approved and they had some kind of system update causing issues please be patient. 
XX/XX/XXXX called and checked again no changes. A lot of apologies but no assistance. 
Called a few more times given the same story it has been approved waiting for it to be posted internal issues because of update apologies and request for patience. 
XX/XX/XXXX checked online again still not posted call again and request satisfaction department, speak to woman who acknowledges approved waiver says it has not been posted but she would put in request for release since it was approved should receive a fax copy in 48 hours. Never received XX/XX/XXXX called to 2 separate departments and was told NO managers to talk to department who posts credit gone for the day but they would send an email to have it reviewed and expedited, but release would not be issued until credit posted. 
3 weeks I have waited 3 weeks of being given the run around, 3 weeks of no one fixing the problem and 3+ weeks of waiting for a satisfaction because they cant fix problems on their own system update.

I and no one else should be punished because of their internal problems. I can not get clear title without a release from them to sell my car. It is unacceptable, they make promises and dont follow through, I am worried they are gon na report this on my credit as past due when it is paid in full. I have read numerous complaints about them and their predatory, unethical and useless customer service practices. They want their money and will ruin your credit to get it but wont complete the process once they receive their 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 2020-02-24 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: NY

Complaint narrative:
Equifax and XXXX  keeps saying an collection on my credit report is verified but dont explain how. The company is in XXXX XXXX and I live in XXXX. I have never reside in XXXX XXXX. I have never received a bill or collection letter from this company. I have proof of where I have been living for the past 10 years. Where is the proof that I lived in the location that the services were provided? How was it verified? I had collection shield send a validation and verification letter but the company never responded within the 30 day timeframe. So how is Equifax and XXXX   validating this account? I will have to seek a lawyer to sue Equifax, XXXX  and XXXX XXXX XXXX if this fraud account isnt removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  and Experian keeps saying an collection on my credit report is verified but dont explain how. The company is in XXXX XXXX and I live in XXXX. I have never reside in XXXX XXXX. I have never received a bill or collection letter from this company. I have proof of where I have been living for the past 10 years. Where is the proof that I lived in the location that the services were provided? How was it verified? I had collection shield send a validation and verification letter but the company never responded within the 30 day timeframe. So how is XXXX and Experian validating this account? I will have to seek a lawyer to sue XXXX, Experian and XXXX XXXX XXXX if this fraud account isnt removed from my credit 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 non-monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a dispute to XXXX regarding an account that Bank of America is reporting on my credit report. The account was opened in XX/XX/XXXX, but the account does not show any payment history from XX/XX/XXXX through XX/XX/XXXX. 10 months of the payment history are missing and the account is incomplete. 

XXXX  responded to my dispute on XX/XX/XXXX and said the account was updated ; however, the account was no removed or corrected. The 10 months of payments are still missing from the account. This means Bank of America verified the incomplete information as accurate to XXXX. The FCRA requires Bank of America to correct or remove inaccurate or incomplete information from my credit report after I submit a dispute through the credit bureau. 

I'll also add that Bank of America has deleted the account from my XXXX, XXXX, and XXXX credit reports. I am unsure why they are verifying inaccurate and incomplete information to 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 2020-02-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I received a letter for the creditor in question that was on my credit file as proof that the account that they have placed on my credit file was reported in error. 

Then, I mailed the copy of the letter of proof from the creditor to the credit bureau. The credit bureau refused to remove the creditor from my credit report file.

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 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2015 I divorced my husband. At that time he signed the property over to me in the divorce. I was already a borrower on the Note. My attorney did a warranty deed that was signed by a judge and filed properly. Bank of America will not acknowledge me as owner of the property only as a successor in interest. I have maintained all insurance and paid all property taxes and made all mortgage payments on time for the past 5 years to no avail with Bank of America. Two weeks ago I received a letter from Bank of America Stadium that the title was transferred without their permission and that they could foreclose on my property or accelerate the note. They won't even talk to me to resolve this situation. I have on three different occasions sent to them a copy of my divorce decree the warranty deed and the judge 's signature in this situation. All of this is giving me extreme XXXX  and I'm unable to sleep and I'm having medical problems due to the XXXX. I just want some help in resolving this situation once and for all.

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 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation