vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-12-23 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 got a collection notice letter stating that I owe {$770.00} from XXXX XXXX XXXX. However, I was never used XXXX XXXX XXXX. This is the first time Afni, Inc. contacted me. 
I have not call back or requested them to provide a validation letter. 

Anfi Letter received on XX/XX/2020 Balance due {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-12-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against two collection agencies, a Crown Asset Management , LLC, as well as a XXXX, XXXX XXXX XXXX. 

This XXXX, XXXX XXXX XXXX is claiming that they are collecting a debt for this Crown Asset Management , LLC, in the amount of {$3900.00}. 

And I am writing to complain to your agency because I do not owe this debt that Im being charged. 

This collection company Crown Asset Management , LLC, has never contacted me in any way to verify if I knew of, or to find out if I owed this balance that Im being charged. And according to the attached letter, this debt came from XXXX XXXX XXXX XXXX 

In XXXX, I did have a XXXX credit card, and the creditor deceived me with the terms. When I first got the card it was supposed to be 0 percent interest for the first year, but that is not what XXXX XXXX XXXX XXXX did. 

After I had used the card, after 6 months they started charging me a high interest rate, when I wasnt supposed to be paying any interest at all, and I did complain about that at the time, and I had filed a complaint about the issue. 

The interest that they were charging me on the card, drove the balance up high, and I did pay the balance off in full at one point. 
I had, had to have my card replaced at one point, but my balance never seemed accurate, I had always felt as though I was being over charged, I had called and discussed this with them over and over, and got nowhere. 

I have not had anything to do with XXXX XXXX XXXX XXXX XXXX for at least a year and a half, and they are making it look as though I have been doing business with them in XXXX, so as to add a fraudulent status date, and high balance owed onto my credit file, to destroy my credit. 

I did not run up any balance to {$3900.00}, from the statement that I was able to find, you can see that XXXX XXXX XXXX XXXX has been adding over {$100.00} plus dollars in interest charges, and fees monthly to this credit card account that they have passed on to these collection agencies. 



I am disputing this debt, I do not owe anyone {$3900.00}, and before Crown Asset Management LLC passed on this debt to any other person, or collection agency, they should have had the decency to notify me about the debt first. 

And worse, I have had no dealings with XXXX XXXX XXXX XXXX XXXX for least a year and a half, why would they want to place false fraudulent status date information onto my credit files showing as if I have an open account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have continually attempted to resolve this issue with both of these companies but they have refused to fix this issue. 

I have repeatedly disputed this XXXX XXXX account that continues to exist as an outstanding balance on my credit report. XXXX XXXX and Portfolio Reacovery Associates refuses to correct this issue.They are only concerned with getting the money but is not concerned with correctly reflecting the accurate information on my credit report. 

XXXX XXXX referred my account number ending in XXXX to Portfolio Recovery Associates. Portfolio assigned a different number to this account XXXX and I paid this account in full to Portfolio recovery associates on XX/XX/. 

Portfolio only reported to the credit bureaus that the collection account was paid in full, not the XXXX XXXX account with the original number ending in XXXX. Portfolio never reported to XXXX XXXX that this account was paid or maybe it did and XXXX XXXX refused to update to all three credit bureaus that this account has been paid in full. The account has two different numbers, one resides with XXXX XXXX and the other with Portfolio recovery associates but this is the same account. 

I have attached the documentation that this account has been paid in full from Portfolio. I called XXXX XXXX last month and they assured me that they would get this taken care of and will collaborate with Portfolio Recovery Associates that this will be taken care of. It never was. My credit report from all three bureaus is unfairly and inaccurately showing that I still have an oustanding balance with XXXX XXXX with the account ending in XXXX and this is incorrect. This account has been paid in full with Portfolio recovery associates. I have also attached how this account appears on my XXXX credit report. This is laziness, unprofesionalism and unethical behavior on the part of XXXX XXXX and Portfolio recovery associates to refuse to correct this on my credit report. 

I also called Portfolio recovery associates last month and told him that Portfolio had assigned a different number than what XXXX XXXX had one file and they are only reporting for the collections account. The beligerent, hard-headed man that I spoke to refused to listen to me and insisted that there was only one number assigned to this account and it was the account number originally assigned by XXXX XXXX. 

Please impose penalties on both of these companies for violating the provision of the Fair Credit reporting act for failing to report accurate information to consumer credit reports and enforce them to update that my XXXX XXXX account has been paid in full because the collections account by Portfolio recovery associates and XXXX XXXX account are on in the same. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: MD

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have had an ongoing issue with Wells Fargo and closing my account. I have companies that debit my account for bill payments every month. I attempted to contact certain merchants/creditors to stop debiting my Wells Fargo accounts. I was beginning to overdraw my account. I asked wells Fargo to close the account around XX/XX/XXXX. They said it had to be at XXXX and no pending charges. I go control back inXX/XX/XXXX, but XXXX the same thing started happening but this time Wells Fargo never responded to any of my messages but one. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted them to close the account. I have paid over 600 dollars in overdraft fees. I am sick of them giving me stupid policy answers. I worked for three banks in a span of 13 years. Wells Fargo 's business practices are unethical and harm the client. There was a period of about 3 or 4 days where there were no pending charges and the account was XXXX. I send messages on XX/XX/XXXX to close the account. They did nothing. I have asked them repeatedly to do this. This account was opened online and will be closed online. I do not have a relationship with any servicing branch. I want my fees returned to me in the form of a cashiers check so that I can have my money and to bill me for the remaining amount and close the account to all debit posting. They know what to do but refuse to do it because they are greedy. If there is no resolution by the end of the week and I do not care that it is XXXX, I will continue to escalate this to my attorney. I am done with you people at Wells Fargo. Give me my money back! All of it! Or pay another class action because I see this as a huge problem.

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 2020-12-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Been trying to get XXXX XXXX collection account and numerous inquiries that I did not authorize ; Ive spoken with representatives from XXXX, XXXX, XXXX and Equifax the payment before collection has been verified and was advised that they would send a letter to all 3 credit bureaus to remove the collection and I would receive a copy in mail I have not received confirmation of deletion letter yet nor has the 38 inquires been removed from XXXX Equifax Credit reports. I am currently in process of closing on property and these entries are having a negative impact on securing loans and moving forward ; this account was satisfied before it went to collection not sure where these inquires came from deleting will be greatly appreciated. XXXX REMOVE INQUIRES AND COLLECTION PLEASE DO NOT REINSERT ANY STATEMENTS, FRAUD ALERTS, SECURITY BLOCKS, OR FREEZES WOULD LIKE TO KEEP " OPT-IN '' FOR PROMOTIONAL CREDIT OFFERS*.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
my case is with edd and bank of america. 
Since XX/XX/2020 purchases have been charged to my account that I did not authorize. They were in different states in a single day and together they totaled XXXX dlls. Since that day I noticed it in my account and quickly I spoke to BofA to report the fraud ... from then and after calls, long waiting times, different people, different responses. Report to the police, documentation that supports my claim ... The last call I was answered was on XX/XX/2020 and the answer was, your case closed your account canceled and we no longer have to speak with you, I asked to speak to a supervisor and he told me that edd had my account closed due to fraudulent activity to fix me with them. talk to a rep XXXX he said no way, they can't and don't do that. that BofA was in charge of the money and that they have to answer. now I am the same as at the beginning. Without money, the account closed, the case closed and that I no longer speak to them. they blame each other.

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 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: MD

Complaint narrative:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
At the very beginning I spoke to the company XXXX XXXX and explained my loss of income due to loss of home and job. They were in agreement that when back on my feet I will continue to make payments as I always previously had. Well they put me into collections and as I spoke to the debt collector she threatened me with legal action over a debt that was Incorrect anyway. The debt amount is extremely over and I told them I am unable to pay this amount nor would I unless the amount was corrected. They sent me paper for court and have been beating my credit down to the ground

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one bank contacted me about a month ago, asking me about my deposits and withdrawals. They said i have high deposits and high withdrawals. Theh asked why and i explained that nothing has changed in my banking activity for the almost 5 years i have had this account. I asked if there was a problem and they said now. Now i received notification that my account is closing in 14 days. With no actual, real, specific or honest reason as to why. I would like them to give me the the reason why they decided to close my account. Generic policy disclosures will not be acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XXXX XXXX gave me two account numbers from Bank of America to get the money he borrowed from me back. After I started to get the money into my account, my bank blocked my account, and then when I called my bank, they told me that my account was at a negative XXXX dollars because it was a bad check. I would like for Bank of America to look into the accounts because it is upsetting. I want to know who the bank account belongs to, and I also want this person to get arrested for fraudulent this is awful. The bank accounts ' routing number is XXXX account is XXXX and the other one is XXXX. I would like for bank of America to get to the bottom of who that person is who's scamming hard-working people. It happened in XX/XX/2020 2020

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