vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My son 's teen account was hacked. I provided proof as well as police report for the fraudulent transactions. On XX/XX/XXXX, criminals stole a total of {$1600.00} from my sons checking account. On XX/XX/XXXX, Wells Fargo returned {$100.00}. on XX/XX/XXXX, I recieved a letter that stated Wells Fargo " determined these transactions in question may be the result of fraudulent activity ''. Then on XX/XX/XXXX, a letter I received, from Wells Fargo, stated they decided to deny my claim. {$1500.00} stolen money has not been returned to my sons account. Evidence that showed my sons online digital card deactivated, device credentials compromised, and his contact information was changed had been forwarded to the Wells Fargo claims department.

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 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I AM IN THE PROCESS OF PURCHASING A HOME AND WAS PROVIDED A FULL COPY OF MY CREDIT REPORT. AFTER VERIFYING MY REPORT, I NOTICED SEVERAL UNRECOGNIZED NEGATIVE ITEMS THAT ARE PREVENTING ME FROM OBTAINING A MORTGAGE. 

I DID SOME RESEARCH ON THE CFPB WEBSITE AND FOLLOWED THE STEPS TO HAVE THESE ACCOUNTS VALIDATE AND/OR DELETED FROM MY REPORT. FOUR MONTH LATER I FIND MYSELF WITH LITTLE TO NO RESPONSE FROM THE BUREAUS. THEY HAVE NOT RESPONDED TO SEVERAL LETTERS I SENT AND HAVE NOT PROVIDED DOCUMENTATION TO CLARIFY/SUPPORT THESE ACCOUNTS. 

I HAVE PROVIDED ALL THE DOCUMENT NEEDED TO PROCESS MY REQUEST WITH NO SUCCESS. PLEASE FIND THESE DOCUMENT ATTACHED TO MY DISPUTE.

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 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have sent numerous request for debt validation in accordance with 15 USC 1692g. I have requested debt validation on the following dates XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX which is well over the legally required 30 days you had to prove the validity of this dept to me. To date all I have received is 1 copy of a credit card statement on 3 or 4 different occasions. I have made many attempts to request the following information : 1. Full accounting for this account 2. Copy of assignment of purchase from the original creditor.

3. Every charge and what was purchased from the creditor.

4. How you calculated what you claim I owe.

5. Full chain of assignments from charge off to present.

6. Proof that you own the debt with full and clear title.

7. Proof that you were on the original contract I have also disputed with the 3 major credit bureaus as well. I have done my due diligence as a consumer and my rights continue to be violated by there disregard of my numerous request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: PNC Bank N.A.
State: MD

Complaint narrative:
I opened an PNC core visa account 2yrs ago. As the no interest terms was ending I spoke to the manager at the XXXX location and asked if there is a way to extend the no interest. He explained that I could apply for another and transfer the balance if I qualified. The manager at this location I've gone to for banking advice regularly and when I applied for the first Core Visa he took my information and did the application for me. He applied and got me the other Visa and told me to bring in the checks from the new Visa to pay the other Visa balance. I did this and he paid off the balance except {$930.00} XXXXwo days before the payment was due on this card. He explained what he did and told me that the next payment I could pay it or the payment required. The next month I received both bills and paid the new card monthly min. payment but had questions with the old card because it was the same monthly payment I use to make before the balance transfer. I questioned this with that manager and he agreed and said that he would call their credit card service dept. to see why. He told me to not wait to pay it until he speaks with them. I asked  him about them reporting if I don't and he said no because it will be in disputed while he worked on it. I checked in with him a couple of times and he was still working on it. But the last time I called they said he no longer work there. Also at this time I received info about my credit dropping 200 points because of this. None of my PNC accounts has ever been paid late and if my report is looked at it reflects that. Missing payments doesn't fit my history. I've contacted PNC about this and they are refusing to fix this. I was directed by one of their banking officials what to do and feel as if I did everything I should have as a consumer and believe this is been miss reported. It doesn't make any sense that I would pay all of my other PNC accounts and not this account without being told by the manager of the branch. They aren't standing by what they tell their consumers because while working and trying to resolve this with them I agreed with Ms. XXXX in esclation dept. to pay the remaining balance of {$930.00} in full and she would remove the late fees. I paid the balance in full but they still have a {$53.00} bal. that shouldn't be there per our agreement. Now if I don't pay that bal. they will miss report that as well as not paid and continue to ruin my credit. This isn't fair to me as a consumer because I use my credit to make a living as well. PNC needs to fix the errors on my credit report and the balance on the old card per their agreement made by their employees. You go to a banking official to get guidance because that's not your profession and supposed to be able to trust the advice they give. Please help me with this complaint, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BYL Collection Services
State: NY

Complaint narrative:
BYLCollections send us Letter in Mailbox in the name of my Father mentioned on Letter & at our address that they want to collect a debt of {$1900.00} on behalf of XXXX XXXX, XXXX company. But the Fact is that  my father didn't own any Credit Card of this company neither have any other company credit card. 
We want to report about this scam by BYLCollections Company to  send us a fake Letter & try to collect the wrong amount from us through these tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
Kings Credit Services began seizing a part of my wages in or around XXXX to collect on a medical debt. I spoke with a representative of the company ( XXXX XXXX ) after ending my job to setup a payment plan for what she claimed was the remainder of the balance owed. After continuing to make payments for an extended amount of time, I received a balance owed letter in XX/XX/XXXX that resembled the original amount of my debt. Upon calling XXXX, she stated that they had allocated my paid funds to new debts which I was not informed on while the original debt continued to garner interest. When confronted about misapplying funds, XXXX ceased communications. I sent out a letter on XX/XX/XXXX attempting to make a final lump sum payment for the debt. I did not receive any response and followed up via mail correspondence on XX/XX/XXXX. On XX/XX/XXXX I received a response from XXXX with an amount they would be willing to accept based on the payments I had made to date and the amount owed, however in XXXX 's new statement, my payments made-to-date had been altered to show a significantly lower number than I had actually paid. I addressed these false representations in a response to XXXX and received no response. As of my last letter ( dated XX/XX/XXXX ) I have not heard from XXXX or Kings Credit Services. However, I attempted to dispute the collection on my credit report but they refused to cooperate with the credit reporting agency. All of the letters mentioned in this statement have been included as an attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I pulled my credit report and to my amazement, saw that you report this account with multiple lates, charged off etc I also have no knowledge of this account. I disputed this information with XXXX over and over again and the results of the investigation came back " verified ''. Not only am I late on any of my bills with any creditor, would never be late on this account if I had one with you, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. Since I have disputed the late payments and no knowledge of this account with XXXX, and you obviously " verified '' with them, I am very curious as to what kinds of " records '' you may have for this alleged account. Please provide ALL information in regards to this account. This account shows that is a joint account with who? Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: IL

Complaint narrative:
XXXX and TransUnion are fraudulent on my credit accounts XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX U S DEPT OF EDXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   is fraudulent on my credit Account # XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC
State: NY

Complaint narrative:
Hello I have received a notification of a debt owed to XXXX XXXXXXXX  by a Debt collection Agency, for debts from XXXX {$320.00} but I have never heard from XXXX XXXX  about this before. This is very odd that they took six years to initiate this action. According to ACI, the last payment l made to XXXX XXXX was in XX/XX/XXXX ; the charge is from XX/XX/XXXX, and I closed the account sometime in XXXX. I asked for a summary of the debts but what I got does not tell me anything. I have tried to contact XXXX XXXX directly but they are not accepting calls at this moment. The Debt Collector is American Coradius International LLC. Account Number XXXX, Reference Number XXXX. 
What I need is to verify that I really owe this debt, since, as far as my knowledge goes, I keep my bills in good stand, and this is really inexplicable that XXXX XXXX would take this long to initiate this action without having ever contacted me. I need to know that this debt is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: IL

Complaint narrative:
Experian and XXXX are fraudulent on my credit accounts XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX U S DEPT OF EDXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXXXXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   is fraudulent on my credit Account # XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I posted an Ad on XXXX to sell my bunk bed frame for {$100.00}. this guy contacted my on XX/XX/XXXX thru email and ask for phone number. I shared my phone number, he text me that he is interest to buy and will send the check and asked me to confirm once I receive the check by mail.I share my residence address for check mailing. I received a cashiers check next day on XX/XX/XXXX amount {$1400.00}. I was surprised with the amount, he told me that the extra amount is to pay the moving company who will be there for pick up.I was reluctant to accept the check but he assured me everything will be fine then I tried to deposit the check thru mobile and ATM but in vain and by the time I reached bank it was closed this happened three days, finally I deposited the check on Sat XXXX in Bank of America. check was cleared on Mon XXXX. I confirmed him that the check is deposited, he said he will schedule the pick up, next day XXXX he informed me that they need payment thru online transfer since I had the money from the check I transfer the money thru XXXX transfer {$1300.00} ( {$1400.00} minus the bed price {$100.00} and additional {$70.00} for the trouble going to bank multiple times ) to XXXX. next day onwards I had power outage due to storm and were out of power for three days, I tried contacting him thru SMS but he did not reply. when the power was restored I checked my bank account on Mon XX/XX/XXXX and found that he got the check returned amt {$1400.00}, I called bank of America to report fraud that I was duped for {$1300.00} they filed a complaint, I also filed complaint with the local police case # XXXX my concern is how did the bank reverted the cashier check {$1400.00} without my authorization, they said they got call from other bank stating it as forged check and it was returned. on the other hand I lost {$1300.00} to this so called moving company. Is it this easy to make online fraud and get away with it? This guy 's number is still have he just blocked my number, I asked police to trace his number but they did not offer any help. I don't know what to do this is my hard earned money which I needed the most during this difficult time of pandemic, I hope to get my money back

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 2020-08-18 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: MN

Complaint narrative:
i am working with XXXX XXXX XXXX that does credit repair from XX/XX/2019 to the present ..my count in TransUnion and XXXX pass status of limitation. the department of education acc :  XXXX and XXXX also pass status of limitation.

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 2020-08-18 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: MS

Complaint narrative:
This is my third attempt to resolve this issue. My name is XXXX XXXX and this complaint is done by me. Experian did do an investigation and responded by saying they did not believe I was responsible for summiting the claim, which is an insult to my intelligence and ability find information given by the FCRA.

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 2020-08-18 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: Colony Brands, Inc.
State: GA

Complaint narrative:
I have attempted to resolve this matter from since XX/XX/2020. Colony Brand XXXX XXXX XXXX XXXX XXXX has placed an hard inquiry on my credit report that should not be on my report. I have spoken to both XXXX  and Colony Brands on multiple occasions about this matter. They both have given me the round around, and willfully neglected to follow through their promises to get the matter resolved and get the item deleted from my account. As per requested by XXXX, I have also sent a notarized affidavit that the item was not my item, and they refuse to follow through with said information. I was told by multiple representatives at Colony Brands that they will be communicating with XXXX  about said matter, however they have delayed and not reported the inaccuracy of the inquiry as of XX/XX/2020. XXXX is willfully closing my disputes and ignoring any written legal documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: TN

Complaint narrative:
Equifax 's information being reported is delayed and inaccurate on myself. The other 2 reporting agencies are within 30 points of each other and equifax is more the 90 points off. When calling them to inform them their information is false, they changed subjects, offered no course of action to update personal information, and they take more than 60 days to update any information. I have been improving my credit reports for the past 60 days, and equifax keeps dropping my score. They have no current information on myself other than an address and delinquent accounts. Any positive information is not carrying any weight to change for improvement. 

Equifax should not be so far off it prevents any individual from receiving services from any organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm enrolled in the Equifax XXXX XXXX plan. I call Equifax about once a month to get an update on my score. Each time my score changes. I haven't done ANYTHING to adversely effect my credit. Why would it drop 35 points if nothing adverse has been done in the past 30 days. I don't understand why the up and down on my score. I've paid everything on time since XXXX. If it is because of VERY OLD late payments what makes the score go up then back down? It's very hard getting a correct answer from Equifax, there representatives have such strong accents and it's hard to understand. Additionally I've called creditors and they will tell me they reported to Equifax, but when I call Equifax they don't have it. XXXXXXXX XXXX  reported for BOTH of my credit cards on XX/XX/XXXX but oddly Equifax only received one. 


1. XX/XX/XXXX my score is now XXXX 2. XX/XX/XXXX My score was XXXX 3. XX/XX/XXXX My score was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted 3 different disputes with Equifax regarding my student loans with XXXX. I have also contacted XXXX. My payment history is incorrect I have called and have been placed on hold and hung up. My score went down 82 points in XXXX. Once I updated my account I only received 50 points back. Last week I lost another 52 points on account of student loans. 

I have also disputed XXXX XXXX XXXX collecting on behalf of XXXX university. The balance has been paid in full but they reduced it to {$300.00}. I reached out to XXXX XXXX XXXX and was told I have paid it but they were not allowed to send proof of payment. 

After 3 months Equifax continues to say they update the accounts but have not. No one is willing to help explain why my score is dropping as I have been paying off all of my debt. 

I have also requested proof of a dispute by certified letter on 3 different occasions.

Company response to consumer: Closed with non-monetary relief