vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Butler and Associates, PA
State: NC

Complaint narrative:
I received a notice of a debt against myself and a hospital from a law firm. My wife, who has POA for me called the law firm while I was out of state. They refused to speak to her. She called the hospital the debt claimed to be from. She was notified that there was no outstanding account. She called the agency they send debts to and was told they have no account for my either. They did some digging and found out the law firm bought a debt that was XXXX XXXX XXXX from my deceased wife, attached a civil court case number and my name to it, and sent me a threatening letter saying I was being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TX

Complaint narrative:
I am requesting immediate deletion of the following account : XXXX XXXX  Acct # XXXX I have disputed this account many times disputing the accuracy of this account. Each time that I have disputed the account comes back as verified. It is CLEAR this account has not been accurately verified as each time the account is disputed the balance changes. As of reporting on XX/XX/XXXX, the balance listed on my credit report for this account is {$1200.00}. The next credit report pulled on XX/XX/XXXX, lists a balance of {$1200.00}. Im not sure how the balance can decrease on a closed account and no payment has been submitted. The report on XX/XX/XXXX, not has the balance as {$1400.00}. That is a pretty big increase. The next change in the amount for the account comes on XX/XX/XXXX, with the balance now being listed as {$940.00}. That is now a pretty big drop for an account that has not been paid on. How can this account indeed be verified with such inconsistency with the balance? It is my right for fair and accurate information to be reporting on my credit report. This is neither fair NOR accurate and after several attempts at disputing I am now requesting immediate deletion of this account. 
Thank you, XXXX XXXX Attached : Proof of the balance changes on the account listed with Experian.

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 2021-09-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Ive written equifax on multiple occasions explaining to them that I did not authorize or verify multiple hard inquiries that were reporting on my consumer credit profile and ask for them to be removed immediately. They never even took the time to write back. I never gave consent for Equifax to report this information and my consumer rights are therefore being violated. 

15 usc 1681b ( a ) ( 2 ) states In accordance with written instruction of the consumer to whom it relates. 

I never gave written instruction or consent of any kind therefore my consumer rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or about XX/XX/2021 I mailed a demand letter to Equifax, regarding alleged accounts on my credit reports of which I am not familiar because the account numbers states. 
XXXX, XXXX XXXX, XXXX XXXX I notified Equifax in the letter that pursuant to the FCRA 623 of their responsibilities and pursuant to FCRA 611 ( 15 U.S.C. 1681I ) Procedure In Case Of Disputed Accuracy they are to investigate and delete any inaccurate information on my credit report. As of XX/XX/2021, I have not received any response regarding my demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
to whom it may concern, on XX/XX/ I mailed out a certified letter through US postage seeking a full disclosure of a previous re-investigations on the following negative items on my account which appear as follow ; XXXX XXXX Account # XXXX. Balance {$11000.00}. 

XXXX XXXX credit card Account # XXXX. Balance {$680.00}. 


XXXX XXXX credit card Account # XXXX. Balance {$110.00}. 

A second XXXX XXXX credit card account which appears to be double account with a slightly different account # XXXX with a balance of {$590.00}. 

XXXX XXXX XXXX Account # XXXX Balance {$0.00}. 
XXXX Account # XXXX. Balance {$400.00}. 

This credit reporting agency is in direct violation of the FCRA rule 611 ( a ) ( 6 ) ( B ( iii ) which states that the consumer may request a description of the procedure used to determine the accuracy and completeness of the information. And shell be provided by the credit reporting agency. 
I also specified in my letter that any automated response or e-Oscar digital verification method would be unacceptable.

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 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates failed to provide proof of authority to validate said alleged debt and assumed the role of debt collector ; they have no power to validate or state that I owe any alleged debt pursuant to 15 USC 1692 ( c ) ) ( c ) as the consumer I have the right to dispute or refuse payment of any said alleged debt. I have never entered into any agreement with Portfolio Recovery Associates, so there is no evidence I have any outstanding liabilities or obligations or any consumer transactions with Portfolio Recovery Associates. Under the doctrine of ultra vires, a contract made by a corporation beyond the scope of its corporation powers is unlawful, making the contract null & void and Portfolio Recovery Associates only provided proof of contract were statements and transaction history which isn't a substitute for a wet signature contract. Portfolio Recovery Associates willfully committed fraud and identity theft by stealing and using my identifying information without my authority. As a consumer and natural person, I owe no debt to Portfolio Recovery Associates and want them help accountable for all the violations they committed ( see attachments for details ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.

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 2021-09-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
Early in the year, I called for Mortgage Insurance removal, and spoke with a representative. They advised they would need to send a removal packet in the mail. What I received was an informational packet with a number to call to remove PMI. I called again and requested to be transferred to the PMI department. I was advised that Citizens does not have a mortgage insurance department, and again a packet would be sent in the mail. It has been a month, and no packet has been received. With the additional principal I have been paying, and the comparable prices in my neighborhood being up 31 % ( per their website ), I should qualify for PMI removal. I am requesting to immediately start the process for PMI removal, and XXXX  to Credit towards my Principal the amounts paid towards PMI since my initial phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.

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 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Back in XX/XX/2021 with Wells Fargo, I was told there was only a {$35.00} fee to wire transfer money to XXXX and those were the only fees I would incur. Well I came to find out, it cost me about {$700.00} more to wire transfer the amount of money as Wells Fargo had what I consider XXXXhidden fees '. A the time they said the exchange rate I was bring charged was the 'going rate '. After I made a complaint, they did respond stating they had a different rate to cover risks, cover costs they incur, etc. In all of the paperwork they gave me at the end, it might have been in the fine print but what they tell you verbally is completely different. I complained that these are hidden fees and they are basically lying. 

Today, I called a local branch and asked about exchanging US dollars to Euros for my trip with Wells Fargo and was told that a local branch could handle and there was no fee at all. Not even the {$35.00} fee. Just the current foreign exchange rate. Once again, this cost me an extra {$260.00} to exchange the money due to their exchange rate being so much higher. On their marketing document at the bank in very small print it states 'The exchange rate applied to a transaction includes a mark-up, which is an amount over and above the costs of funds to Wells Fargo and it is designed to compensate Wells Fargo for several considerations, including without limitation, risks taken, costs incurred, services rendered, as well as a return for the Wells Fargo on the transaction. ' Nothing I signed stated that I acknowledge this 'mark-up '. This is merely on the marketing brochure in the branch. Nothing on the receipt I received states this information. 

I just feel this is a deceptive practice being run by Wells Fargo and that their employees need to advise all customers making a foreign exchange transaction that there is a 'mark-up ' fee and be very clear on the disclosure, with customer signature, of what fees they are paying above and beyond. 

Why is the CFPB allowing this type of deceptive practices to happen?

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 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CARD Corporation
State: MO

Complaint narrative:
On XX/XX/3021 My account was hacked. I woke on XX/XX/2021 and checked my account and all my money was gone. I contacted my card company and filed a dispute, I was told that I WILL get a provisional credit applied to my account if I provide my dispute form within 10 days. I said ok and sent the card company my dispute form. So now here it is XX/XX/2021 and I was told the dispute team made a decision on XX/XX/2021 that my claim was denied. I informed the rep that when the money was taken out of my account I was sound asleep due to the fact that I had to work the next morning. The reason they say I was denied was because the merchant told them that I was aware of the charge, but that is not true. I asked for the merchants info and the card company could not provide me that info. So as you can see I am clearly frustrated about this issue. I have bills to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.

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 2021-09-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
My card has been blocked for 48 hours. I've called de bank more than 20 time. i got response 4 times but the 4 times the bank tell me that the issue will be resolved in 2 hous. its been days, the bank doest not want to resolve anything. FirstBank does not provide any other numbers or emails or contact information of someone who can assist me. this is very serious for me, the damage is big.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one charged me {$120.00} in interests AFTER i paid my statement balance in full. They claimed their policy is that I have to pay the statement in FULL two months in row to avoid interest being charged. I have paid over {$1000.00} in interest in 2021. They are deceptive. I am not paying the fee and I want it waived. A supervisor " XXXX '' basically told me to read the back of my statement... .well, my statement is email to me and there to no back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XX/XX/2021 I moved out of XXXX XXXX ' XXXX XXXX XXXX. In XXXX I received their Move Out fees, for {$1800.00}, which I promptly paid with a Cashier 's Check From XXXX XXXX XXXX XXXX. On XX/XX/XXXX the cashier 's check cleared through the bank utilized by XXXX XXXX XXXX. 

In XX/XX/2021 I received a letter from Pro-Collect stating that I owed {$1800.00} to XXXX XXXX XXXX. I informed them on XXXX XX/XX/2021 that the Debt was not valid, That I had filled for Chapter XXXX Bankruptcy and to contact my attorney, and as courtesy I provided them a copy of the trace provided to me by XXXX XXXX XXXX XXXX to the email listed on their website XXXX along with the account information. 

On XXXX XX/XX/2021 I received a notification that pro-collect " flagged my account as collections. '' I logged into XXXX XXXX to verify they had done so with other credit agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
This letter serves as my complaint against Citibank NA as it relates to client/consumer access to Citi.com. As of the date of XX/XX/21 Citi customers have not been able to successfully log onto the website located at www.citi.com at all. I contacted a Citi representative on XX/XX/21 @ approximately XXXX PST about the matter. Her name was ( XXXX ) with reference number XXXX and she indicated that she was a Tech 2 website support person. I contacted XXXX at phone number XXXX. XXXX indicated that the website sign-in issue was an on-going issue that Citi was well aware of since XX/XX/21 and that they were diligently working to correct the problem. She then indicated that she would call me back within 24-48 hours about the matter. As of XX/XX/21 @ XXXX PST, I still do not have access to log into my online banking account. Attached is a screenshot of what happens when a customer attempts to log into the website. I also never received a return call about the matter from ( XXXX ) as she indicated she would do. This is horrible customer service and this type of practice is putting customers is jeopardy.

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 2021-09-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On or about XX/XX/2021 I mailed a demand letter to TranUnion, regarding alleged accounts on my credit reports of which I am not familiar because the account numbers states. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT ED XXXX, In the letter I notified TranUnion that pursuant to FCRA 623 of their responsibilities and pursuant to FCRA 611 ( 15 U.S.C. 1681I ) Procedure In Case Of Disputed Accuracy they are to investigate and delete any inaccurate information on my credit report. As of XX/XX/2021, I have not received any response regarding my demand letter.

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