vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP
State: OH

Complaint narrative:
We had an electronic check pay on our payroll account. It was not for anyone on our payroll and the " copy '' was not produced by our company.The same person, XXXX XXXX was able to have 3 electronic checks clear on our payroll account. We contacted the police and filed a report. We filled out Domestic Collections Fraud Packets with XXXX XXXX bank ( our bank ). Two of the fraudulent checks were paid back to us in XX/XX/XXXX. One check was for XXXX and the other XXXX. We still have a third check which we have not been reimbursed for. It's for XXXX. I contacted XXXX XXXX and was told that the check was drawn on Key Bank. I was also told that they had 120 days to respond. It has been longer than 120 days and no response. The check I am waiting to be reimbursed for is for {$970.00}, it has a check # XXXX associated with it. It was dated XX/XX/XXXX and posted on XX/XX/XXXX. We filled out our fraud report on XX/XX/XXXX. Our police report # is XXXX with the XXXX Police forgery/Theft/NS department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: MD

Complaint narrative:
I initially entered into an agreement with XXXX XXXX on XX/XX/XXXX. 

Due to financial hardship, this account became delinquent and I subsequently received a collection letter from XXXX XXXX XXXX XXXX for {$230.00}. 

This account was submitted to my credit file on XX/XX/XXXX by XXXX XXXX XXXX. 

I submitted a certified dispute letter to XXXX XXXX XXXX XX/XX/XXXX. 

I never received a response. 

I submitted a 2nd dispute letter on XX/XX/XXXX and informed XXXX XXXX XXXX that they were in violation of the Fair Debt Collection Practices Act. 

I never received a response back from them. 

This account has surpassed the year statute and it is still being reported negatively on my XXXX 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 non-monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX or XXXX which ever name they are using currently has been told to stop calling cell phone number. They have been told verbally and in writing to not contact me they have no permission as does nobody or no company they represent may contact me all past present and future contact permission has been is and continues to be revoked.XXXX continues to call using both manual and Robo calls from multiple spoofed phone numbers.

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 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent 3 letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to the credit reporting agency to dispute the following account: XXXX XXXX XXXX XXXX or XXXX XXXX. This public record does not belong to me. It was my understanding that the credit bureaus are required to check items with the credit grantor reporting the information, and remove any information the credit grantor cannot verify. It was my further understanding that the credit report bureaus must complete investigations within thirty days of receiving a letter. My credit report continues to have inaccurate items on it.

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 2018-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion & XXXX XXXX continues to re-age an charged off account and TransUnion continues to add it with the new date to my report. I have disputed this 2 times in the past but every 3-4 months they put it back on my report as new. It was just added again on XX/XX/2018.

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 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: KMT Group, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX I lost my job and couldn't pay on an unsecured installment loan from XXXX. I had been making payments up until the point I lost my job so the balance owed was only {$2900.00}. It went into Collections where XXXX XXXX XXXX ( XXXX XXXX XXXX ) took over for recovery. They then put a judgment on me. I had signed a confession of judgment which I would it was my bill and made arrangements with them to take {$50.00} a month out of my check. This went on for 5 years from XX/XX/XXXX. I had paid them {$2700.00} over that time and they stopped taking money out of my bank account so I thought the bill was satisfied. It was only until this month XXXX when I tried to refinance my home that I found out they had put a {$4000.00} lien on my property. I called XXXX and tried to find out why. They had advised me that I defaulted in my payment arrangement by not recertifying with them to take money out of my account which I have never done for the 5 yrs they were doing it. They said I was sued ( with no notification or summons for me to appear in court ) and pre-judgment, post judgment plus other fees were added totally now {$4600.00}. 
I was very upset since I cooperated fully with repayment and was doing my part to clear up this debt. I am also very upset that paying in good faith they could not settle the balance owed as paid in full as a lot of creditors do since the left balance was only {$280.00}. I tried to explain that I DID NOT default in my payment arrangements but THEY DID by stopping my payments. They were uncooperative as to helping me rectify this as I pleaded since the balance was only {$280.00} I would pay and they could take lien off and they told me they could not do that because now the creditor wants all their money. I am very upset and would so like to clear this matter up. I do not have {$4600.00} and feel THEY defaulted me and THEY SHOULD clear this up for me. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
My name is XXXX XXXX. I am a XXXX year old female.I went to XXXX XXXX last XXXX for a fix on my XXXX XXXX. They told me it was not fixable and said that I needed to have a new XXXX and a new XXXX.. Gave me a price of XXXX approx. I agreed. They made the XXXX and could not get them to fit. The next time I went back there was a new XXXX there and he said we had to have new XXXX. We made new XXXX and the XXXX did not fit and he proceeded to put a XXXX for another XXXX on my one XXXX XXXX to hold the XXXX. He made another impression for the XXXX, we got that and he could not get either the XXXX XXXX or the XXXX to fit so they didn't hurt. I continued to go back several times with no luck. It is nowXX/XX/XXXX. 9 months I have been going to this XXXX. I made an appt. and returned the XXXX on XX/XX/XXXX. I had to have financing for these XXXX and got a loan with their company XXXX XXXX which is XXXX XXXX. The problem is with the finance company now. XXXX XXXX took my balance down to the price of the XXXX   XXXX but the finance company is still demanding that I pay a XXXX payment for XXXX. I fought with them and they took over XXXX off the bill because I was paying all that time for nothing. I am more than happy to pay the XXXX bill I owe for the XXXX with a XXXX monthly payment that they told me it would be I have made XXXX and XXXX payments and they are still demanding that I pay the XXXX for XXXX. I have agreed to pay them XXXX for that month but they are refusing. In the meantime they are reaming me with late payments huge interest and say I owe them more money than I do. They have also lowered my credit score with their report. I would appreciate any help you may be able to give me to get this corrected. I live on social security and would be more than happy to pay the correct amount due. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Ia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-30 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: OH

Complaint narrative:
I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/2018. I would like to have the judgement removed to to the fact it was obtained illegally and purchased from a third party agency illegal. Thank your for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On XX/XX/2018, I received a letter from XXXX XXXX XXXX   stating that they were trying to collect a debt of {$750.00}. They have the wrong person. I have never heard of the Creditor, they spelled my name wrong and they have the wrong middle initial. This happened a few years ago and I simple called them and explained they have the wrong guy. 
So I thought I would do that again. Big mistake!!! Calling their # sends you to some kind of phone XXXX site. Now they have my # and call 3-4 times a day. 
Their # is XXXX Can you make them stop?? 

Thank you 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 2018-01-30 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: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
There are 2 collections accounts on my XXXX  credit report from a debt collector AMERICAN ACCOUNTS AND ADVISORS that were closed by the debt collector because the " alleged debts '' could not be verified. I have contacted the debt collector by mail and asked them to remove the 2 bogus debt collection accounts from my credit report, they have not responded to me for over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
WHEN I SPOKE TO THIS COMPANY XXXX THEY PROMISED ME A PRODUCT THAT THEY INFACT DID NOT KEEP THERE WORD. I PAID THEM XXXX ON XX/XX/13 BY DEBIT CARD AND AFTER PAYING THEM THEY DID NOT ANSWER MY CALLS NOR RETURN MY PHONE CALLS. I HAVE TRIED TO LET MY BANK KNOW THAT THIS COMPANY WAS A SCAM BUT THEY SAID THAT THERE WAS NOTHING THEY COULD DO. THIS COMPANY WAS A SCAM THEY FRAUDED ME. I NEED MY MONEY BACK. PLEASE HELP 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 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent 3 letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the credit reporting agency to dispute the following account : XXXX XXXX ( Tax lien ). This public record does not belong to me. It was my understanding that the credit bureaus are required to check items with the credit grantor reporting the information, and remove any information the credit grantor can not verify. It was my further understanding that the credit report bureaus must complete investigations within thirty days of receiving a letter. My credit report continues to have inaccurate items on it.

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 2018-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my XXXX and TransUnion Credit reports on XX/XX/XXXX, My XXXX XXXX balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless XXXX, TransUnion and XXXX  update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of  Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting XXXX, XXXX and TransUnion to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of XXXX  report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter - XX/XX/XXXX Copy of XXXX report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter Balance reported {$1700.00} - XX/XX/XXXX Copy of XXXX  report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of XXXX   report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter ; Balance reported {$6800.00}

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 2018-01-30 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: MI

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my XXXX and XXXX  Credit reports on XX/XX/XXXX, My best buy balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless XXXX, XXXX and Equifax update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting XXXX, Equifax and XXXX  to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of XXXX  report for XXXX account # XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter - XX/XX/XXXX Copy of XXXX report for XXXX account # XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter Balance reported {$1700.00} - XX/XX/XXXX Copy of XXXX report for XXXX account # XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of XXXX   report for XXXX account # XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; Balance reported {$6800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Around XX/XX/2017 I realized that someone I did not recognize sent money to my account, it was about between {$100.00} and {$200.00}. I am not sure when it started but as soon as I realized it I called my bank and asked them to return it as I do not know who it is coming from. I was told by my bank that there is nothing they could do on their end because they don't know who it was coming from being that it was a email or mobile transfer. The agent even joked saying its free money go ahead and spend it because there's nothing they could do about it. I was the agent to block whoever it is coming from so that the issue doesn't persist and to file a claim. After this I was under the impression that this issue was rectified not knowing that this person was still sending me money on a monthly basis totaling {$800.00} after a year. I was contacted by the claims department because someone filed a claim because they have been sending money to the wrong person. I explained what has been going on to the agent doing the claim and she said that she would contact me but none did. The bank went ahead and took {$800.00} out of my account leaving me overdraft without notifying me or getting permission. The agent noted that I gave her permission to take the money out because I do not know the sender and we did not have that conversation. after I told her the situation, I was told that she will contact me back. when I called multiple times they were rude and not trying to hear out the situation. The last lady informed me that I should have been aware of this and not spend the money and I called last year to file a fraud claim which was denied because I cant file a fraud claim for receiving money even if it is from someone I don't know. I told her that I wasn't aware that the claim got denied and I was not aware that this person was still putting money in my account in small amounts monthly, she insisted that I should have paid attention and not spend the money and hung up.

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 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XXXX XXXX of IQ data international has called me repeatedly over the last few years threatening that they will ruin my credit. Harassing me about a large lump sum of money I dont owe them. Threatening to call my employers and family members to retrieve money at all costs. Ive seen stories from others on how harassing and vile she can be. Ive asked to be transferred to someone else within the company, a manager or ANYONE else, she just snickers and talks down to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation