vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 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: CA

Complaint narrative:
It comes to my attention that there is multiple credit inquiries that I did Not recognize nor authorized consenting to. Please verify these credit inquires from XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX as well from XXXX XXXX. These are Unauthorized inquiries, please verify and provide proof of authorization of original signature of its owner within 5 business days in compliance with FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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}.

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.

-- AUTO ACCOUNT 1. XXXX XXXX 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 2020-10-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I just received a bill from the XXXX XXXX XXXX represented by Convergent Outsourcing for the amount of {$23000.00}. Account # XXXX. It has been 13 years, this loan is from XXXX, and just now they send me this bill, and tell me that they are going to sued me in court. California Statue of Limitations is 4 years.Right? ( Cal.Civ.Proc.Code 312 et seq. ) I file Bankruptcy in XXXX, and this account from the XXXX XXXX was NOT in any of my credit report agency. Today I check my credit report, I don't have any debt account with the XXXX XXXX XXXX or Convergent Outsourcing. 
If I own {$23000.00} it should appear in all my credit report agencies, correct? Why they don't report this debt to the Credit Agencies? By doing this they avoid getting bankruptcy?

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 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My store credit card for XXXX XXXX was financed through Wells Fargo and I've taken advantage of Covid19 payment assistance that Wells Fargo has offered twice this year due to financial hardship due to the pandemic. Since there are no third assistance plans that have been offered my account went into collections 69 days ago as of XX/XX/XXXX. 
On Friday XX/XX/XXXX during an attempt to collect this debt 'XXXX XXXX from the bank called and we started to argue over the repeated calls when at a certain point when we were both speaking over each other I hung up the phone. 
On Monday XX/XX/XXXX this account was closed. 
I believe that he gave a bogus reason to close this account that is not in the playbook for their organization. I believe he retaliated because I hung up on him and now this has ruined my credit with XXXX XXXX. 
I have spoken to numerous agents during the entire collection process and I made numerous attempts to arrive at a solution past the 2nd payment assistance. I did not avoid a single agent that called prior to XX/XX/XXXX 2020 nor did I hang up on a single agent prior to XX/XX/XXXX and nor did my account get closed during any of these conversations with these agents prior to XX/XX/XXXX2020. 
I believe that the timing of the closing of my account on Monday XX/XX/XXXX in relation to my brief phone call with XXXX XXXX on XX/XX/XXXX is also significant and highly suspicious. 
I strongly believe my account would have been in good standing had I not talked to him that day. 

Why is it that all of the correspondence leading up to XX/XX/XXXX all indicated that my account was not closed? 
Now all of a sudden on the XXXX on a Friday after I hung up on XXXX I receive correspondence the following Monday that my account is closed? 

The reason stated on the correspondence dated XX/XX/XXXX was that my account was closed ''due to a violation of the terms of your cardholder agreement, your Wells Fargo Bank XXXX .. ''. 
I believe strongly that there were no actual violations to the terms of my cardholder agreement here. 
I believe the only 'violation ' was one that went against XXXX XXXX XXXX ego and he retaliated out of anger for this 'violation '. 
I read over the cardholder agreement and nowhere does it say that hanging up on somebody who works for the bank is a 'violation '. 
Why would I go through two pandemic payment assistance programs offered this year and have been paying diligently on this account since XXXX to just do away with the entire account? 
It's not consistent with my history with Wells Fargo at all and it doesn't make any sense. 
I did not willfully close this account. It was closed for me out of retaliation by XXXX XXXX 
Supporting proof has been provided.

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 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/07 my wife and I wired money ( {$15000.00} ) from her personal XXXX account to our joint Chase XXXX for the sole purpose of transacting business future business. 

This action was to be completed in minutes as advertised at fee from the original bank at {$30.00}. Hours went by and the funds was not credited to the receiving bank. We called the XXXX and the information was that the funds left there institution as requested. We called Chase and 4 out of 9 customer service rep. Could not see the transaction but 5 could and we were told that there was a hold on the transfer but could not provide any further information. They however was able to verify that the receiving information was accurate so no issue there. 
We have since made numerous attempts to get the issue resolved with no success at this point we do not know where I visited the branch closest to me in XXXX NY close to my house. 

It is not acceptable for us to be incurring penalties when all we wanted to do was a simple wire transfer of our own funds that we worked hard for. 

I need answers? Were is my {$15000.00}?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After taking a look into my credit report for any errors that may have occurred. I found an account thats payment history was inaccurate and reporting inconsistently throughout all three bureaus. I later found out that this was a violation of the FCRA.

As you can see this account was reported as a charge off that was being shown as " CO '' charged off on one bureau ( XXXX XXXX Then showing payments as " OK '' paid as agreed on another bureau ( XXXX   ) Then Showing Zero Payment History For ( Transunion ) Shown In The Attachments Is My Credit Report Showing The Inaccuracies And From Which Bureau. Also, Included Letter Sent To Bureaus

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 2020-10-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After taking a look into my credit report for any errors that may have occurred. I found an account thats payment history was inaccurate and reporting inconsistently throughout all three bureaus. I later found out that this was a violation of the FCRA.

As you can see this account was reported as a charge off that was being shown as " CO '' charged off on one bureau ( Experian  ) Then showing payments as " OK '' paid as agreed on another bureau ( XXXX   ) Then Showing Zero Payment History For ( XXXX  ) Shown In The Attachments Is My Credit Report Showing The Inaccuracies And From Which Bureau. Also, Included Letter Sent To Bureaus

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 2020-10-22 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: NV

Complaint narrative:
I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 2. XXXX 3. XXXX XXXX and a medical company which was not opened by me or authorized by 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 2020-10-22 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: LA

Complaint narrative:
The accounts have been reported delinquent on my credit report but none of the 3 reports are consistent. The account are on a payment plan for 5 years are paid but still being reported late by XXXX XXXX XXXX XXXX  then a couple is reported charge off but still taking my payment. Medical bills that were paid by XXXX XXXX and bills that I have no knowledge of.

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 2020-10-22 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: AL

Complaint narrative:
I have filed a dispute several times with Experian. I have explain that the information being reported is inaccurate. Experian has yet to provide written proof that the investigation has been verified by the company. The company has yet to provide verification or documentation that proves any of the negative info being report is accurate. I was a victim of identity theft a while back. I have a bankruptcy that isnt mines, along with a collection that doesnt belong to me. Also there are negative account along with inquiries that isnt mines that Experian has yet to prove to burden proof that it belongs to me. I have sent many disputes and many of the disputes they are unwilling to let me dispute again. I should not be held liable for actions of other people who steals peoples identity. Please follow up with Experian to ensure that are following the guidelines set forth to protect the information being reported on consumers report,

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 2020-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Disputed derogatory in writing to XXXX  who failed to comply with Fair Credit Reporting Act and Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 validating Midland credit Management in excess of 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I previously submitted a complaint against TRANSWORLD systems in regards to a collection they continue to report on my credit. They wrote me telling me that they previously replied prior to my first complaint, but I never received the letter they " claim '' they mailed to me. Only after submitting my complaint to the CFPB did I get them to respond. They suddenly sent me a print out of the debt they claim I owe, but they had 30 days to reply to the dispute letter I wrote them, and they never sent me the requested information. Among the questions I asked them, which I have attached to this complaint are as follows : 1. Copy of assignment of purchase from the original creditor. 2. Every charge and what was purchased, ie ; fee, payments, credit, interests. 3. How they calculated what they claim I owe. 4. Full chain of assignment from charge off to present. 5. Proof that they own the debt with full clear title. 6. Proof that they were on the original contract. 7. Proof that they are licensed to collect in my state. 
Please be reminded of XXXX vs XXXX Law Firm - XXXX vs XXXX XXXX XXXX 

They never answered these questions, and did not DELETE this account from my credit being that they are not able to produce all of my requests which I have a right to obtain. 

In addition to that, I have attached evidence that they tried to put on XXXX XXXX that I had made a {$25.00} payment, and then suddenly removed the remark from there. They also lied saying that I was affected by a natural disaster and ; this too is untrue. I have never spoken with anyone at this collection agency to tell them this. They are the ones that put that remark on my credit reports falsely. This is clear defamation and violation of my rights. I am giving them a final opportunity before I proceed to file a formal complaint with the GA State Attorney and to hand all of this evidence to my lawyer to proceed with a lawsuit in which I will be demanding {$1000.00} per violation if this account is not removed from my credit reports within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Services served me stating I owed a debt to their company. I disputed this and requested debt validation numerous times. During, the dispute, it appears that Portfolio Recovery not only initiated this lawsuit while I was being represented by a firm ( also disputing XXXX but they also continue to pursue legal action and have yet to legally prove the debt that I owe them. I have requested legitimate validation multiple times ( written and verbal ). Recently, I'm receiving more calls and I gave told them it is not my debt. 

**The judge actually postponed this hearing into XXXX because I sent in written correspondence noting their inability to adhere even to the initial concept that I was represented by a firm. Please advise. I gave been sending emails and letters for about 6 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22 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: LA

Complaint narrative:
The accounts have been reported delinquent on my credit report but none of the 3 reports are consistent. The account are on a payment plan for 5 years are paid but still being reported late by XXXX & XXXX XXXX  then a couple is reported charge off but still taking my payment. Medical bills that were paid by XXXX XXXX and bills that I have no knowledge of.

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 2020-10-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I just received a bill from the XXXX XXXX XXXX represented by XXXX XXXX for the amount of {$23000.00}. Account # XXXX. It has been 13 years, this loan is from XXXX, and just now they send me this bill, and tell me that they are going to sued me in court. California Statue of Limitations is 4 years.Right? ( Cal.Civ.Proc.Code 312 et seq. ) I file Bankruptcy in XXXX, and this account from the XXXX XXXX was NOT in any of my credit report agency. Today I check my credit report, I don't have any debt account with the XXXX XXXX XXXX or XXXX XXXX. 
If I own {$23000.00} it should appear in all my credit report agencies, correct? Why they don't report this debt to the Credit Agencies? By doing this they avoid getting bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have not been able to get my money back from Bank of America. As you know things has been really tough lately with the economy and BofA has been sitting on money that they owe me since XX/XX/2020. This was the last payment of {$4600.00} made to them on my mortgage, but the payment was received after the refinance of this loan was completed. I have been trying to get them to send the back the money for almost 3 month with nothing other than we are working on it. They do acknowledge they received the money and every time I call them they say we will send you a check, for we will wire it back, but nothing is happening.

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 monetary relief
Consumer complaint received 2020-10-22 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: PNC Bank N.A.
State: DC

Complaint narrative:
Dispute Statement : Case # XXXX ( XXXX XXXX ) Case # XXXX ( XXXX Report ) Since I refinance my Auto loan to PNC, I NEVER missed payment, with the only exception of my NINE days lateness on XX/XX/XXXX ( which is because my payday moved from XXXX to XXXX ). I always pay on XXXX or latest on last day XXXX of each month. 
In my end the past six-months payment history goes like this : th 1. XX/XX/XXXX, $ XXXX th 2. XX/XX/XXXX, $ XXXX th 3. XXXX, $ XXXX th 4. XX/XX/XXXX, $ XXXX th 5. XX/XX/XXXX, {$320.00} * th 6. XX/XX/XXXX, $ XXXX * Payment made at PNC bank cashier. ** Payment made by bank transfer. 
The two payments I made on bank cashiers erroneously goes to the principal payment rather than the monthly payment and incur me additional {$30.00} fee. First, they keep saying you didnt pay your XX/XX/2020 monthly payment which I did, and I proofed them by showing the difference between the begging and ending balance of my loan. They promised me they will reevaluate and will do adjustments including the {$30.00} fee, rather they report it to consumer. The same scenario happened for XX/XX/2020. 
Before that I used to have a debit account with them and they automatically tool money from that account until XXXX or XX/XX/2020. Usually I drop money on that account through ATM before my last day of payment. But on XX/XX/2020, due to Covid-19 I couldnt find a working ATM and I made payment at the cashier for the first time. I try explained this situation to the guy called me for late payment he understands and accept it & he told me he will made adjustment ( i.e. to apply the payment I made to principal to monthly payment ) and waived me {$30.00} NSF. I told him I want to keep payment this way sometimes, he told me it is okay but noted me to tell the cashiers I am making the monthly payment & I did that all the time when I made payment at the bank cashiers. 

After I proof them I didn't miss any payment over the phone the promised to make adjustment but I ask the took fix the their credit bureau report. But they recommend me to to dispute through the credit report agencies I heard the deliquesce report. ( I spoke with PNC credit department representative XXXX XXXX )

Company response to consumer: Closed with explanation