vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX sent me to collections ( Convergent Outsourcing ) for an a box which I returned to their office years ago. They included {$200.00} for the box and {$75.00} for a " Last bill ''. As stated earlier the box is in their office and I don't know how I was being charged {$75.00} for a last bill if the account was always on autopay and when I closed out the account there was nothing due. After years of going back and forth they finally removed the equipment charges on XX/XX/20 but they refused to remove the {$75.00}. I chose to stop fighting them and pay the {$75.00} with the promise that they would delete my collection from my credit because it should've never gone to collections to begin with. On XX/XX/20 I paid this " last bill '' ( I felt I didn't owe ) and they requested deletion of the collection. As of today, this collection is still reporting on my credit and the collection agency and XXXX refuse to remove this.

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 2020-09-04 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:
Credit / ID security breach XX/XX/XXXX. Issue resolved XX/XX/XXXX. Experian removed the fraudulent activity from my credit report, but my credit report did not return to the pre-breach score. The stolen ID fraud activity reduced my Experian score by 12 points. After the correction, it increased by only 6 points, which causes my score to dip down below the next credit level by 2 points. Experian refuses to repair or even make a note in my file about the event, which will impact my ability to secure a lower interest rate on a purchase.

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 2020-09-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I owed Citibank 2 loans and was making 2 separate payments through my bank only to find out that one of the loans was discharged back in 2011. 

I asked Citibank to email or mail me a list of every payment that they have received from me. They were not able to do so. 

I then requested that the debt collection company XXXX XXXX XXXX send me a list of every payment that I have paid to them since 2011. 

Payments from my bank are missing and I have no idea where this money went. However I have proof that I paid because I used bill pay through my bank which kept track of every payment that I have ever made to Citibank. 

I emailed the president of Citibank and contacted all of these different people at Citibank and no response, no name, number nothing. I then thought I resolved this and made an online payment to pay XXXX XXXX XXXX and they refunded me my money saying my account is on a hold because I requested verification. I saved the receipt and all emails to Citibank. 

I need help, who do I make payments to, to help pay down this loan? 
Where is the missing money? 
What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
Receive calls GLA Collection Company. It is for a party not living here. Latest tactic is to block us from hanging up. We have been getting the call daily. 

We are prepared to file aggravated harassment charge if appropriate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: FL

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
XXXX. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account.

2. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For TRANSUNION 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you 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 2020-09-04 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: FL

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX  XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so. 

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you 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 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Amcap Investments, LLC
State: TX

Complaint narrative:
We just refinanced our home and our loan was sold to AmCap Mortgage, LTD. My loan number is XXXX. Our first payment was due on XX/XX/XXXX and I set up recurring payments of {$2800.00} which is the total amount due each month. My XXXX pymnt was drafted out of my checking account for {$2800.00}. On XXXX a pymnt was drafted out of my account for {$3400.00} which I did not authorize. This caused an overdraft of my checking account and I was charged {$30.00}. I contacted AmCap several times- I was always on hold a minimum of 20 minutes and transferred several places and sometimes disconnected. I sent inquiry messages which were not returned for over a week. I first contacted them on XXXX when I saw the charge. I resorted to trying to chat with an agent. Each time I was told that this was done by me ( understand I set up a recurring pymnt for my minimum and never authorized this ) and applied towards my principal. I was on XXXX to send a copy of the bank transaction and my overdraft fee. I sent on XXXX. I had to f/u several times and each time was told I authorized this. I finally got to someone named XXXX who said he apologized for the error and submitted the paperwork for a refund. Again, I did not receive a refund. I contacted them again and finally talked to a " supervisor '' on XX/XX/XXXX and was told it was approved and would be processed within 2 weeks. I was very upset about this because this is still money out of my bank acct that was not authorized and I needed to be reimbursed. He told me he would try to rush it. Today has been 2 weeks and I still have not received a refund. I just did a chat with a " XXXX? '' and they said it still has not been approved. I want a refund asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My old landlord, who I stopped renting from in XXXX, claimed I owed them over {$4000.00} in damages. We legally disputed the charges and went to civil court. They failed to show, so the judge ruled in my favor and dismissed the debt. Then, back in XXXX, the amount of the damages appeared as an unresolved debt on my credit score with XXXX and Equifax. The development company I had rented from sent the debt to collections illegally, as they never attempted to reopen the case in court. I have reported this to both credit agencies several times and sent XXXX a letter from my lawyer stating that the debt is resolved. The account still shows open on my credit report. Additionally, on XX/XX/XXXX, XXXX tried to make a {$25.00} payment on said debt without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a complaint against Capital one reporting an unauthorized hard inquiry on my credit report. i received their response that they sent a request to the credit bureaus to remove that hard inquiry. BUT ACTUALLY Capital one sent a notification to XXXX asking them to remove my Capital One account instead of removing the hard inquiry. i called XXXX   and they referred me to Capital One. Capital One was unable to handle this case, wasted a working full day on phone communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
I became aware of the debt when I received a message from the credit bureaus that I subscribe to, XXXX XXXX XXXX XXXX, showing a new derogatory item was placed on my report. I immediately reviewed for accuracy and confirmed this is not my debt. I sent a letter via certified USPS mail to Afni, Inc on XX/XX/2020. I have confirmation of delivery. 
To date I have not received a response as to an explanation of this debt that they claim I owe. 
Today I am mailing yet a second letter as a follow up to my first letter in the event I receive a response or a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: GA

Complaint narrative:
Since XXXX I have been disputing and challenging the accuracy of these files on my credit and so far no one has validated it. I sent multiple letters and they have yet to adhere to 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 2020-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am writing to complain PNC 's poor check deposit and fraud defense system! 

I am an international student. In XX/XX/2020, I, unfortunately, ran into a scam based on an employment opportunity at the XXXX XXXX University XXXX XXXX XXXX posted on XXXX. 

The fraud mailed me a check ( {$7800.00} ) to deposit for purchasing equipment for the " remote job ''. I deposited in the local PNC branch, and I told the fraud that I need to wait until the pending ends, which means the check is approved by PNC and posted on my bank account. 

However, PNC just used 1 day to approve the fake check and posted the money ( {$7800.00} ) to my bank account. I trusted PNC and sent money to the fraud. I was thinking I was using the money in the check only! Then, after 1 day, I realized the " employer '' was a fraud. So, I called XXXX immediately, and I also called PNC and PA Attorney General to report this scam. Right after 2-3 hours, in the afternoon, PNC told me the check was returned unpaid! And they wanted to blame on me for sending money to the fraud! I highly doubt PNC 's security system on checks. It was even me who told them there was a problem! As a XXXX XXXX, I have no ability to tell whether the check is true or fake. And I even don't know that when money is posted on your account, it can still be bounced back. To me, PNC failed me by posting the fake check in 1 day. There was no single alert for fraud or scam at all! It's a scam supported by the bank! 

If PNC, in the end, refuses to take their responsibility for this case and wants to blame everything ( {$7800.00} ) on me, I can't even afford to pay all the lost money which is more than I have! 

I am a hardworking person who has a XXXX of XXXX XXXX from the XXXX XXXX University. I pay taxes and try so hard to be a valuable element for this society. Please help me by standing against this bank system full of flaws!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: CA

Complaint narrative:
On my Sears Credit Card account ending in XXXX, I was charged {$800.00} for a purchase at " XXXX XXXX  '' earlier this year. I do not recognize this purchase, nor do I recall it, so I believe this is a false and fraudulent transaction. I contacted Sears Mastercard online and notified them of the billing dispute. The account ending in XXXX was terminated and I received a new account ending in XXXX. I received correspondence from Sears Mastercard dated XX/XX/2020, stating that they were investigating the alleged charge. On XX/XX/XXXX, I received another letter stating that the investigation was completed and that that disputed charge ( and another one ) had been deducted from my account plus related fees and interest. The billing statement for XX/XX/2020, indicated a credit for {$800.00}. Then, the billing statement dated XX/XX/2020, contained a purchase for the same amount : {$800.00}. I contacted SearsMastercard by telephone and spoke to " XXXX '' and asked why the disputed charge and been added on to the new account ending in XXXX. She said SearsMastercard would look into it and contact my by mail with their result. I received a letter from them dated XX/XX/2020, stating that they had determined that I was responsible for the {$800.00} charge because I had not identify disputed transactions. The billing statement dated XX/XX/2020, indicates that the disputed {$800.00} has not been deducted from the new account. On XX/XX/XXXX, I wrote to Sears Security Operations ( who had written the XX/XX/XXXX letter to me ) stating that I had identified the disputed charge, that it was the {$800.00} arising from an alleged purchase at " XXXX XXXX. '' and that I continue to dispute any such charge and asking them to provide me with any contrary information and documents they might have. To date ( XX/XX/2020 ), I have received no response from Sears Security Operations or SearsMastercard. I continue to dispute the {$830.00} charge.

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 2020-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
The cash app has to be in cahoots with the scammers. I had an issue with moving money to my bank account and hit get help. Immediately went down the rabbit hole where they took all {$500.00}. Then to insult they called back. I tried calling the number for the company and they said I had to go through the app and tried taking me through the prompts which were incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I was contacted by RS Clark and Associate about a debt that I paid in exchange for this being removed from my credit record. They never sent the document XX/XX/XXXX as promised and this is still on my credit report erroneously. An email was sent XX/XX/XXXX but I can not download it off XXXX website. There are no records only my bank payment to RS Clark which seem to no longer be in business. The account was # XXXX XX/XX/XXXX R S CLARK & ASSOCIATES XXXX TX XX/XX/XXXX for {$93.00}. 

Can you help me to get this off my credit record as per my agreement with RS Clark? I was never notified of this outstanding debt. Please assist. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Regions Checking account was closed without my knowledge or consent. I went to the local branch as directed by the Customer service representative. The representative on the phone told me they did not have the ability to unlock the account, but I could go into the branch and have it unlocked. I went down to the local branch on XX/XX/2020, at XXXX XXXX. I asked why the account was being closed? The branch manager joins in on the exchange between the banker and myself. I was given no reason besides fraud/security put a hold on it, and Regions Bank no longer wanted to handle my accounts. I was told the bank account wont close officially until the XXXX of XXXX. At which time they would then send a check and it could possibly take up to a month. I had a balance of {$500.00} and had inheritance that was deposited twice a month to that account from Regions investment. I am glad to be gone from that bank, but why cant I get my sooner?

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