vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I have called Convergent Outsourcing multiple times to verify my debt via phone and they insisted on reporting the collection on my credit report which I did not authorize and that violates my consumer rights. On XX/XX/XXXX, I received confirmation via green return receipt that Convergent Outsourcing Inc. received a letter from me stating to provide me the contract with my original wet signature that obliges me to pay this alleged debt. I received the recent mailing from them that was also backdated 10 days from my receipt, and I am also pretty adamant in checking my mailboxes. They claim to verify the debt with a copy of the billing statement from the " so be '' original creditor XXXX however, this is not what I asked for and is in violation of 15 USC 1692 ( FDCPA ). The alleged debt of {$270.00} as they claim is not mine. I am still a customer with XXXX now and my service still works and it is weird how this debt pops up as mine out of nowhere. I believe there has been a mistake. I called Convergent Outsourcing Inc. today to let them know of my actions to forward this issue and complaint tot the CFPB and XXXX XXXX has said she will dispute again in there system but I am not sure of the effort.

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 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had two accounts with Pentagon FCU one was a credit card and the other was an installment loan. The first one, the credit card, has comments stating that I never made a payment. I believe this to be inaccurate but the none the less I do owe this debt. The second account, installment, shows a balance of {$66.00} on one bureau and zero on the other two. I have gone to the bureaus asking for confirmation of the debts. The only response I have received is that it was verified. I sent letters to Pentagon directly and got no response. In my frustration I decided to settle the two accounts in hopes of getting them removed. I sent a letter in XXXX with a settlement offer and again received no response. I called them around the end of XXXX and they said they would not talk to me I had to send my request in writing and it had to be faxed. I wrote anther letter with the settlement offer and faxed it directly to them. It has now been two more months with no reply. I called them again and they said they have no record of me and would not assist me. They can't find me but they continue to report negatively on my credit 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 2021-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX. This company named XXXX XXXX XXXX has falsely reported a collection account to my credit report that I do not owe!!! The account is titled XXXX XXXX for approximately {$1600.00}. I've contacted the hospital and they've stated to me that I don't have any outstanding balances and that everything was paid in full. My name is XXXX XXXX XXXX. I have all my receipts to backup my statement. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and Florida 's Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. you may be held liable for the actions of XXXX law. Please note that the these liabilities are under the penalty rules of the HITECH Act. DELETE THIS ACCOUNT!! The account is listed under XXXX XXXX. This account needs to be removed off of my credit reports ESPECIALLY TXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
I processed and received a prepaid VISA card from XXXX  sometime after XXXX. The amount should have been {$70.00}. 

I went to activate the card and can not because the expiration date is already passed XX/XX/2021. According to PA law, an expiration date of less than a year from issue is illegal. 

XXXX XXXX XXXXXXXXand-XXXX XXXX : ~ : text=The % XXXX % XXXX % XXXX % XXXX, for % XXXX % XXXX % 2012 % XXXX. 

I called MyXXXX the company who issued the VISA and they state that I can not be reissued a new card. The money on the card is forfeit and I have no recourse to fix the situation. When I stated that the law and their policies are at odds, the woman scoffed at me on the phone and said there's nothing they can do. 

I've attached a copy of the invoice I submitted to verify the purchase date that went along with the rebate. Assume most of these cards take 6-8 weeks to process and be shipped, the card had maybe a 9 months before it expired. 

I'd like to know how to get my money back or warn others not to trust this company 's cards as they will rob you blind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
Harassing calls XXXX ( XXXX & XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX, XX/XX/XXXX & XXXX ), XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX harassing calls and on XXXX a rep hung up in my face when I tried to ask who they are and refused to get a supervisor I even emailed Halsted financial asking them to not call me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: OH

Complaint narrative:
I never signed or dealt with Acct Resoltn. Very unaware of this company. I asked can they submit all documents I signed with their company and received nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for housing on XX/XX/21 with XXXX XXXX properties for my relocation to XXXX XXXX, CA. Once I approved, I received my lease agreement and was instructed by " XXXX XXXX '' property XXXX to send a deposit and first month 's rent to secure my housing. I sent an online deposit for {$5000.00} to the instructed bank account. Once I arrived in XXXX XXXX, the property XXXX was to meet me at the residence with the keys. He never showed up and I found out the apartment was not real. He scammed me out of {$5000.00}. I filed a police report, XXXX # XXXX with XXXX XXXX Police department and contacted Bank of America to file a claim. I have not received any success with getting 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 2021-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Account was settled for {$570.00} on XX/XX/2020 with XXXX XXXX Solutions for my Kohls/Capital One Account. The collector removed this collection from my credit report as promised however several attempts have been made to get Kohls/Capital One to update my balance. The balance has not been corrected and I have contacted Kohls more than once and disputed with the credit bureaus. Since Kohls stated they do not have the information. I have faxed the form and also requested the Collector to send to Kohls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX  XXXX explained that all the bankruptcies needed to be removed and provided me details of the deletion I need TransUnion to delete their inaurate accounts

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 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I submitted a dispute for personal information, XXXX former addresses XXXX to Experian to remove former addresses listed on my credit report. I do not live at those addresses anymore and they are reporting incorrectly. I asked them to remove these addresses and they just updated the addresses without removing them. I sent Experian my State Identification and a utility bill to have my current address listed only.

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 2021-04-07 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: TX

Complaint narrative:
XXXX XXXX is a victim of identity theft. The fraudster applied for credit with multiple companies using her personal information resulting in a number of fraud-initiated inquiries reporting to her various credit reports. While many of these inquiries have been removed from her XXXX  and XXXX files, Equifax seemingly refuses to remove the information in spite of multiple disputes sent against these FRAUDULENT inquiries. 

Fraudulent inquiries were initiated through XXXX XXXX Bank on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. We have submitted disputes against these inquiries to Equifax on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

However, Ms. XXXX 's Equifax credit history obtained on XX/XX/XXXX continues to report these frauduelnt inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: FL

Complaint narrative:
This is my second time writing ( credit bureau ) about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to Wenger v.

XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), ( credit bureau ) may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. ( Credit Bureau ) had received my second as proof on this ( date ), which mean they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify 1. The following personal information is incorrect Account Number : DATE OF BIRTH : 1983 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

7. Validate Account XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

8. Validate Account XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

9. Validate Account XXXX XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX BANK, XXXX. - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX CXXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


XXXX. XXXX XXXX  XXXX  XXXX XXXX Original Creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX OF XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX DC on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: LA

Complaint narrative:
XXXX XXXX XXXX should not be reporting to Equifax ; XXXX XXXX XXXX lates for the months of XXXX and XXXX, 2020. ( Please see pages attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) The vehicle was stolen and when it was recovered it required extensive work with the auto mechanic. I contacted XXXX and was granted a payment extension. ( Please see the attached letter from XXXX titled Payment Extension Notice for reference. ) This false reporting of lates on this account is seriously harming my credit score and these lates need to be removed. Also, Equifax ; XXXX XXXX XXXX are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have tried to call Capital One several times about the reporting the one late payment that occurred over two years ago, by mistake of date of billing. Rep would not update information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
DEBT RECOVERY SOLUTIONS LLC has been in violation of the FDCPA and FCRA over a course of years. There is no more room for negotiation if they do not remove the false information. I will seek litigation against DEBT RECOVERY SOLUTIONS LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: LA

Complaint narrative:
XXXX XXXX XXXX should not be reporting to XXXX XXXX XXXX  and Transunion lates for the months of XXXX and XXXX, 2020. ( Please see pages attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) The vehicle was stolen and when it was recovered it required extensive work with the auto mechanic. I contacted XXXX and was granted a payment extension. ( Please see the attached letter from XXXX titled Payment Extension Notice for reference. ) This false reporting of lates on this account is seriously harming my credit score and these lates need to be removed. Also, XXXX XXXX XXXX  and Transunion are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-04-07 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: LA

Complaint narrative:
XXXX XXXX XXXX should not be reporting to XXXX XXXX Experian and XXXX  lates for the months of XXXX and XXXX, 2020. ( Please see pages attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) The vehicle was stolen and when it was recovered it required extensive work with the auto mechanic. I contacted XXXX and was granted a payment extension. ( Please see the attached letter from XXXX titled Payment Extension Notice for reference. ) This false reporting of lates on this account is seriously harming my credit score and these lates need to be removed. Also, XXXX  ; Experian XXXX XXXX are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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