vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: WV

Complaint narrative:
Real Time Resolutions, Inc. sent a letter RE : Notice if Servicing Transfer dated XX/XX/XXXX. In the letter it states : " You are hereby notified that collection duty associated with the above referenced file, that is the right to collect payments from you, if applicable, is being transferred from XXXX XXXX, XXXX to XXXXeal Time Resolutions , Inc. ( " RTR '' ), effective XX/XX/XXXX. This letter shows a Principal Balance of {$3700.00} with a date of last payment being XX/XX/XXXX. 

The next letter that I received dated XX/XX/XXXX shows an outstanding principal of {$3700.00}. In addition it shows : Principal : {$1.00} Regular Payment : {$1.00} Past Due Amount : {$220.00} Total Amount Due : {$220.00} It also included a " Delinquency Notice '' : " You are late on your account payments. Failure to bring your account current may result in fees. Your account became delinquent on XX/XX/XXXX and, as of XX/XX/XXXX, you are XXXX days delinquent on your account : Recent Account History Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Current Payment due XX/XX/XXXX : Unpaid Balance of {$1.00} Total Amount Due : {$220.00}. You must pay this amount to bring your account contractually current. 

I feel that Real Time Resolutions, Inc. is using false, deceptive and misleading practices, and are trying to re-establish this debt. 

XXXX XXXX XXXX made the following statement in a letter dated XX/XX/XXXX : " Please be advised that we can not bring legal action to collect this debt or threaten to do so because the statute of limitations has expired. IF YOU DO MAKE A PAYMENT, we may later be able to bring action to collect this debt because the payment may start a new statute of limitations ''. 

In a letter dated XX/XX/XXXX from XXXX XXXX XXXX they stated : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX   XXXX XXXX, XXXX. and/or XXXX will not sue you for it and XXXX XXXX XXXXXXXX, XXXX, and/or XXXX will not report it to any credit reporting agencies ''. 

This debt was discharged in Bankruptcy in XXXX. 

Real Time Resolutions Inc continues to request a payment every month for {$3700.00} with the most recent being XX/XX/XXXX. 

I have requested Validation of this debt twice from them and have received no response either time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Complaint file against Santander consumer # XXXX XXXX XXXX XXXX XXXX XXXX, TX.XXXX This is a notice of Direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the information that you have posted to my credit files. I recently contacted you in writing on XX/XX/2018 & XX/XX/2018 by certified mail ( USPS ) concerning the above partial account number. I never did receive a reply back from you. Recently, I have taken matters in my own hands to contact the FTC, CFPB & XXXX on a few separate occasions and I have disputed directly with all three credit bureaus, XXXX-XXXX XXXX and XXXX pertaining to this account. I am providing my information solely for investigation purposes and for you to cease reporting this account to the three credit bureaus, until proper validation is verified.

Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in the Notice of Dispute, to complete your investigation and report back to me the results, within 30-days of my Notice of Dispute.

In addition, I humbly request that you provide me with a complete, copy of any signed contract & any agreement/s that myself and Santander may have, including a total breakdown of the balance you believe that I owe and furthermore the date/s that this said account was opened/closed and who opened this account and who is still using this account? If this account has been sold to a debt buyer, please provide the debt buyers information with me though the mail. If this account isn't validated within the 30 days, you will have to eliminate the debt off of my three credit reports per the FDCRA.

Please note : I have taken further action and sent out copies of my previous certified letter that was sent out to you on XX/XX/2018 & XX/XX/2018 to the FTC and CFPB and three credit bureaus to protect myself. 

Thank you for your cooperation in this matter, I look forward to promptly hearing back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Fair Collections & Outsourcing has placed a negative on mine & my wifes credit file in error and are still unwilling to resolve this after repeated letters sent and speaking to managers there. I sent FCO a debt validation letter on XX/XX/XXXX in order to make sure they follow the Fair Credit Reporting Act & Fair Debt Collection Practices Act but they never responded to the debt validation & we NEVER received any notification from FCO in regards to this account referenced in collections and on our credit bureaus. We made a FULL-PAYMENT of {$630.00} to XXXX XXXX XXXX XXXX directly. I spoke with XXXX XXXX from FCO on XX/XX/XXXX and she told me to email proof in order to get the collection account removed from mine & my wife 's credit file and she assured me that it would be done but to this day it has still not been removed. FCO is still continuing to report this inaccurate negative account on both of our credit files. FULL-PAYMENT payment was made directly to XXXX XXXX XXXX and not settled as it shows on our credit reports. I mailed 4 separate letters to FCO in order to get this resolved but they would not cooperate. 

Attached is our final account statement from when we moved out on XX/XX/XXXX directly from XXXX XXXX and also debt validation letter sent to FCO on XX/XX/XXXX which they never responded to.

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 2018-08-18 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: MI

Complaint narrative:
Dear Sir, I am going through the Experian Credit Report and also checking inquiries on my report. I have closed all my individual XXXX credit cards. Irrespective of soft inquires impacts to my credit report, what's the specific needs of XXXX card inquiry dated XX/XX/2018 on Experian Credit file. I have closed my individual credit cards on XX/XX/XXXX and XX/XX/2018 respectively. Why did XXXX inquire about my social when I have not contacted XXXX card or I do not have any plans to have any kind of XXXX credit card. Could CFPB direct XXXX card/Experian to explain me the reasons of this inquiry dated XX/XX/2018. Could CFPB direct XXXX   card/Experian to issue me an official letter on this inquiry, anyone fraudulently obtained any card using my social, need complete details of this fraudulent inquiry dated XX/XX/2018 on my Experian Credit file.

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 2018-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
/XX/XX/XXXXXXXX XXXX for the past several years has continued to pop up on my credit report. Every time I remind them that the original creditor XXXX XXXX XXXX XXXX found this account to have been fraudulenty opened in my name in a state I was not residing in at the time using my information via the internet and phone. I have been the victim of identity theft years ago. Convergent knows this a will pop on my report several times in the last several years and when I dispute the fraudulent account, they find its fraudlent from XXXX and delete. Then 6 months to a year later they try and collect again on a known fraudulent account hoping I will not dispute and they can make money ( so I've been told by one representative on XX/XX/XXXX. They are predatory. I have no outstanding bad debt and a good credit score, despite this fly by night operation popping up every 6 months to a year violating the FCRA and FDCPA laws about collections and reporting by being harrassing, providing false and intimidating talk and information relative to a known fraudulent account and attempting to collect on an already deemed fraudulent account. I have proof of them violating at least 6 different federal collections laws over the years. Friday, XX/XX/XXXX, without a call or mail to where I have lived and continue to live in Virginia ( not Florida ), they inserted on my credit reports. Laws state that a consumer must be served a dunning letter that state the alleged original creditor, amount alleged to be owed, the alleged date of oncurrance of alleged debt along with a required statement by law that identifies them as a debt collection company and the rights of the consumers. This never happens with this company. A true violation of consumer protections and rights. I pay all my bills monthly. I simply will not be harassed by this company by holding my good credit hostage in an attempt to extort money. I was told on XX/XX/XXXX by XXXX at XXXX XXXX via phone that I should " just pay the XXXX dollar bill '' even though it wasn't mine because he " can do whatever he wants to get me to pay ''. I record and document my phone conversations with this company and file them away. It seems this company has a difficult time owning up to what constitutes " good business ethics and preactices ''. Please help.

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 2018-08-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been a victim of idenity theft.

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 2018-08-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Paid up with Bank of America. Have proof. Have proof of insurance scam. Have proof of forged documents.even have them on tape admitting that what they did was a mistake. Went to Sen XXXX in Delaware. Had all proof .They worked WITH BOA. Saying they would help. But stood by and did nothing.My husband was AT the XXXX XXXX in XXXX. To hear about the XXXX XXXX in protecting XXXX buildings and hear bullets zing by hitting the building. BUT you have to stand there because you are a XXXX. XXXX XXXX. he served and still had to leave his home after 12 years. Why because of the country Wide, BOA mess. And no one wants to help in Delaware.Please help us. XXXX XXXX XXXX XXXX XXXX XXXX We have proof. in writing and on tape.

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 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, a background check was done on me by First Advantage ( XXXX XXXXXXXX, XXXX, XXXX ), requsted by XXXX XXXX XXXX and by XXXX XXXX for employment purposes.Over the next couple of weeks, I received letters for First Advantage saying they are reporting public record information concerning me to XXXX XXXX and XXXX XXXX.The paperwork said I was XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX. It list the XXXX XXXX XXXX as an XXXX XXXX, when in fact, it was an XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX, that I XXXX XXXX to, on XXXX XXXX. There are various conditions you have to comply to, as a part of the XXXX. In the state of North Caolina, if XXXX of an XXXX XXXX and if XXXX XXXX called for XXXX, you are placed on XXXX XXXX or XXXX XXXX, which can be supervised or unsupervise XXXX.I was on XXXX XXXX XXXX and sometime in XXXX, I weren't able to keep up with my restitution payments as required by my XXXX conditions. My XXXX was XXXX because of this and given a XXXX XXXX by my XXXX XXXXXXXX because the XXXX   had to hear the issue of me XXXX XXXX XXXX of my XXXX.It was reported by First Advantage to above employment agencies that i was XXXX XXXX XXXX XXXX in XXXX, when in fact it was just a hearing to determine whether the judge would revoke, or modify my XXXX because iI couldnt pay my restitution.So the report is inaccurate and caused me not to be able to get employment with these companies. I expressed my concerns but they told me it was correct and told me to go to my local court. My next step is federal court with an lawsuit, but have to follow the proper channels first. All I ask is for this to be corrected or I will pursue legal proceedings in federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
XXXX XXXXXXXX XXXX - Account # XXXX and XXXX. 
I have all the paper works since I started to disputed this account. 
Unauthorized charges. And I place a fraud alert on my credit report and freeze. 
I did settle my account because is under my name and they said its my obligation to pay for it.. Even you dispute the transactions to them since last year. since I found out that my bank account is getting lower my balance so I call my bank XXXX XXXXXXXXXXXX XXXX and they said they will do the investigation and I submit to XXXX XXXXXXXX XXXX the evidence still they don't do anything on my credit report till now ... 
XXXX XXXXXXXX XXXX promise me to pay off then they will removed right away on my credit report.. 
But till now still there ... 
Please help me for this situation..I 'm stressing out already I paid already even those not my charges..fraud.. 
u can email me if you any more questions. 
I send all the documents that I have ... 
Thank you so much..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Dear Sir, I am going through the XXXX Credit Report and also checking inquiries on my report. I have closed all my individual chase credit cards. Irrespective of soft inquires impacts to my credit report, what's the specific needs of chase card inquiry dated XX/XX/2018 on XXXX Credit file. I have closed my individual credit cards on XX/XX/XXXX and XX/XX/2018 respectively. Why did chase inquire about my social when I have not contacted chase card or I do not have any plans to have any kind of chase credit card. Could CFPB direct chase card/XXXX to explain me the reasons of this inquiry dated XX/XX/2018. Could CFPB direct chase card/XXXX to issue me an official letter on this inquiry, anyone fraudulently obtained any card using my social, need complete details of this fraudulent inquiry dated XX/XX/2018 on my XXXX  Credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 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: OH

Complaint narrative:
I have disputed information on my consumer reports with all three CRAs and each has ignored my complaint about incorrect accounts and identity theft where a collection company has used a fraudulent social security number to link an account to me. I also have unauthorized credit inquiries on my credit file that I never initiated. I have tried repeatedly getting this corrected with the credit bureaus to no avail. I am here to ensure my complaint is accurately processed as it should have been the first time. Having exhausted all my resources and no longer able to dispute these accounts with the CRAs Ive since obtained help from the FTC to file and Identify Theft 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 non-monetary relief
Consumer complaint received 2018-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sent my mom money on the XX/XX/XXXX and she still doesnt have it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ASKED TO RESUBMIT MY COMPLAINT TO REMOVE AN EXTENDED FRAUD ALERT WITH MY ID AND ADDRESS PROOF XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have an auto loan through Wells Fargo. OnXX/XX/2018 I called to make a payment on the principal in the ammount of {$2000.00}. I was very clear how I wanted it all to go towards principal. When I checked my online account 2 days later I saw that only XXXX was taken off the principal and the difference went towards future payments and that I didn't have any payments due for three months.

I called and complained that the last person I spoke with must have done this on purpose as to how clear I was and how she even repeated it back to me. The new person on the phone apologised and reversed the payment to be done correctly. But even still she asked if I was sure if I wanted all of it to give towards principal and not put a little towards my next payment. So here again is a systemic problem in Wells I asked to be transferred to a supervisor, supervisor said the original person did apply correctly, there is just a turn around time for it to reflect on my account. I don't believe this. Why then does my account now say the payment was applied incorrectly?

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 2018-08-18 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: OH

Complaint narrative:
I have disputed information on my consumer reports with all three CRAs and each has ignored my complaint about incorrect accounts and identity theft where a collection company has used a fraudulent social security number to link an account to me. I have tried repeatedly getting this corrected with the credit bureaus to no avail. I am here to ensure my complaint is accurately processed as it should have been the first time. Having exhausted all my resources and no longer able to dispute these accounts with the CRAs Ive since obtained help from the FTC to file and Identify Theft 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 non-monetary relief
Consumer complaint received 2018-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I would like to have my name removed from or OPT-OUT of all promotional ads for credit cards and insurance ads. My name is XXXX XXXX XXXX please remove any other variations. My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2009 XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX My information has been compromised I and the is a report on file with the XXXX Police Dept.

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 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ASKED TO RESUBMIT MY COMPLAINT TO REMOVE AN EXTENDED FRAUD ALERT WITH MY ID AND ADDRESS PROOF XXXX 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 non-monetary relief
Consumer complaint received 2018-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ASKED TO RESUBMIT MY COMPLAINT TO REMOVE AN EXTENDED FRAUD ALERT WITH MY ID AND ADDRESS PROOF XXXX 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 non-monetary relief