vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: IN

Complaint narrative:
Affidavit of Truth This is a notice to all that I am XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, Indiana XXXX, XXXX, XXXX, swear and affirm the following facts. 
I am invoking my specialized remedy as a consumer under Federal Law 15 USC 1692. Of the Fair Debt Collections Practicing Act. As a Federally protected Consumer My privacy has been willfully violated ( 15 USC 1692a ). XXXX XXXX, XXXX. Is attempting to collect a debt that has not been authenticated nor verified by me the Consumer. No sworn testimony has been submitted that proves that this alleged debt is true and not subterfuge. Further I have never given permission for XXXX XXXX, XXXX. To have access to my personal information, nor contact me, 15 USC 1692c ( A ). 
This is my second attempt at correcting this matter. Again, I demand that all attempts to collect a debt be ceased! I demand that this alleged debt be erased from all Credit Reporting Agencies as it relates to my name. I demand that an apology be mailed to me, and that remedies be paid for the violations listed below, 15 USC 1692k.

Exhibit # 1 : 1 ) 15 USC 1692b ( 5 ).

2 ) 15 USC 1692c ( B ).

3 ) 15 USC 1692e ( 2-A ).

4 ) 15 USC 1692g.

5 ) 15 USC 1692a.

6 ) 15 USC 1692e ( 5 ).

7 ) 15 USC 1692b ( 2 ).

Exhibit # 2 : 1 ) 15 USC 1692b ( 5 ).

2 ) 15 USC 1692c ( B ).

3 ) 15 USC 1692c ( B ).

4 ) 15 USC 1692c ( A ).

5 ) 15 USC 1692b ( 2 ).

Exhibit # 3 : 1 ) 15 USC 1692b ( 5 ). 

I have not received any sworn testimony from your offices that the alleged accounts are compliant and not subterfuge. I have Ccd the CFPB with my sworn affidavit of truth in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
I have contacted the company who failed to provide the documentation requested of them. Their response was a bill. I didnt ask for a bill, I asked for proof of hour this item was verified and validated. A bill is not proof. I requested approximately 8 different items to show there was an actual investigation. They failed to respond with this information within 30 days. Then street proceeding to not provide the requested documentation they reported the account to the credit 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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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

-- CLOSED ACCOUNT 1. 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 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received a transfer of my unemployment benefits as well as my pandemic unemployment assistance on Monday, XX/XX/2020 at XXXX XXXX and at XXXX XXXX American Express serve sent me an email stating they locked my account and gave no further instructions or guidance or even an explanation on why they did it so they took the Direct deposit excepted it and then locked my card so I have no way to access my funds or even receive a new card to use my funds I had saved my unemployment on this card for a deposit as well as for rent because I will be homeless as of XX/XX/2020 and I called several times to notify them as well as to try to find a resolution for the problem and every time I called they would not tell me anything or even offer me help to receive a new card or anything so as of now I have no money no way to feed my family and no way to provide shelter after XX/XX/XXXX so I am asking that we hold them accountable for these funds as well as for the criminal activity they are doing to people around the world

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 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. 

-- CLOSED ACCOUNT 1. 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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
IQ Data keeps telling me that I owe {$64.00} which I paid on XX/XX/XXXX. They claim my check bounced and when I checked with the bank they say that information is false. The landlord has even sent them emails that I satisfied the debt. They deny receiving communication from them. I sent statement showing I don't owe the amount. Then they asked me to send proof to the dispute department. I did that two weeks ago. They can't answer my question or give me any update. They are not willing to help. I even threatened them with a lawsuit for the grief they have caused. I satisfied this debt immediately when it my landlord gave me an adjusted post-moveout amount. This is also largely the landlord 's fault for poor business practice. They automatically send any amount owed after move out to this collection company instead of communicating with tenants. Its a meager {$64.00} and it is causing me so much grief because I take my credit seriously and to they're treating my concern facetiously.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I filed previously claim against them and I was told all it was stoped because they keep calling me for debt that has nothing to do with me whatsoever they just stole or bought my number from someone just because of same last name. When I first filled complained they apologize sent me letter confirmation that it mistake and they shouldnt be doing that yet after that I got more than dozen calls from them. Debt has nothing to do with Me just because of same last name I almost lost my job today because I got angry started yelling at XXXX calling me. Need help to stop this or is there a ways to file lawsuits against them they wont stop they are stealing or by numbers hoping to find people they are looking for just because of last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: Rent Recovery Solutions
State: TX

Complaint narrative:
09 XXXX XXXX XXXX XXXX has hired a Third party company " Rent Recovery Solutions ''. To collect a debt they say I owe to XXXX XXXX XXXX XXXX. 

I have NEVER had a contract with " RENT RECOVERY SOLUTIONS '' NOR did I give them my expressed written consent to contact me by phone.. I'm asking that " RENT RECOVERY SOLUTIONS '' proves any alleged debt that I have with " RENT RECOVERY SOLUTIONS '' pursuant to 15 U.S.C. 1692g, for them to validate their claim of debt against me.

I am asking that " RENT RECOVERY SOLUTIONS '' proves that I have a lawful contract showing I owe them a debt.. 


I am with reasonable belief that the Respondent is in violation of the following : Using deceptive means to collect a debt ( 15 U.S.C. 1692e ( 10 ) ) Using unfair or unconscionable means to collect or attempt to collect the alleged debt ( 15 U.S.C. 1692f ).

I am asking that proof of debt with " RENT RECOVERY SOLUTIONS '' be established for the record.. since it can not be produced I ask that such FRAUDULENT report be removed at once..

Also have a UCC-11 from the Secretary of State filed that proves I have NO DEBTS. All liens and dents are recorded and kept with the Secretary of State he has no proof of this alleged debt so how can it exist if not by claim? Please remove erroneous statements off my credit. As public servants. 

Please provide proof of debt with signature from Me " RENT RECOVERY SOLUTIONS ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TX

Complaint narrative:
The three Major credit bureaus have FRAUDULENTLY ACCEPTED MY SOCIAL SECURITY NUMBER! from parties! Without my consent or without LAWFUL authority! I'm asking that the three Major credit bureaus show me the Lawful authority according to the Constitution. They they have to have or report anything having to do with my social security number. As well as the consent I gave them to report anything ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CITIBANK, N.A.
State: PA

Complaint narrative:
This account was closed in XX/XX/2020. My billing cycle is the XXXX of the month. The balance was {$4.00} which I paid in XXXX. On XX/XX/XXXX I was given a refund of {$36.00}. When my billing cycle came around and my credit report updated and shows I owe them {$36.00}. Its now XXXX my refund was never issued, my billing statement still says - {$36.00}. I called and ask why my statement isnt saying {$0.00} because its now past the XXXX of XXXX. They should stop reporting that I owe or a late payment will be posted to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I suddenly had a purchase declined at approx XXXX EST on XXXX. I had enough credit to cover it but could not make the charge. I verified online where SUDDENLY there is a problem with my account that wasn't there 3 days ago. I saw they had my old cellphone number but I can't take it off of the account because they won't let me use my email addresses ( they have 2 ) to verify it is me - they want to text a code to a phone I don't have! I borrowed my neighbor 's prepaid emergency medical phone & spent nearly 20 minutes on the phone with synchronicity. They said they would email a link. I got the link and they wanted a video of me & photo of my ID card. They REFUSED TO ACCEPT MY US PASSPORT CARD AND MY VA VETERAN ID CARD. I called a 2nd time and they say they want to mail me a letter with a code on it WHICH MY NEIGHBOR WILL STEAL AS I HAVE NO SECURED MAILBOX AND THEY HAVE STOLEN MAIL BEFORE. So explain how a letter sent to an address that ANYONE CAN OPEN is more secure than both of my email addresses. And explain why US PASSPORT CARD and VA XXXX VETERAN ID CARD are nit valid photo ID.

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 2020-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The three Major credit bureaus have FRAUDULENTLY ACCEPTED MY SOCIAL SECURITY NUMBER! from parties! Without my consent or without LAWFUL authority! I'm asking that the three Major credit bureaus show me the Lawful authority according to the Constitution. They they have to have or report anything having to do with my social security number. As well as the consent I gave them to report anything ...

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 2020-05-21 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: TX

Complaint narrative:
The three Major credit bureaus have FRAUDULENTLY ACCEPTED MY SOCIAL SECURITY NUMBER! from parties! Without my consent or without LAWFUL authority! I'm asking that the three Major credit bureaus show me the Lawful authority according to the Constitution. They they have to have or report anything having to do with my social  security number. As well as the consent I gave them to report anything ...

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 2020-05-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I AM A XXXX XXXX XXXX XXXX VICTIM OF ID THEFT. XX/XX/2020 I recieved XXXX  Notice of Investigation into USAA ACCOUNT DEBT FTC ID THEFT ( see attatched report ) case XXXX VERIFYING WRITTEN DOCUMENTATION SIGNATURE & XXXX LICENSE TO VERIFY I OPENED THIS ACCOUNT.??? SUDDENLY XX/XX/2020 USAA STOPS VERIFYING ME USING MY INSURANCE DATA SERVICES PROFILE AS THEY HAVE BEEN DOING THE PAST 35 YEARS.?? SUDDENLY USAA DEMANDS MY DRIVERS LICENSE WHAT? HUH? WHY? TO RECOVER A PROFILE ON ACCOUNT I HAVE CONFIRMED I DID NOT OPEN?? VERY SUSPICIOUS USAA. MY COMPLAINT IS USAA IS DEMANDING I RECOVER A PROFILE NOT MY ACCOUNT. I DO NOT TRUST USAA. ( ** HOW SNEAKY JUST AFTER XXXX  WILL BE REQUESTING DOCUMENTATION FROM USAA, USAA REQUESTS DOCUMENTATION FROM ME * THEY HAVE NOT NEEDED PREVIOUSLY?? ) AGAIN WHY WOULD I WANT TO APPEAR I DID OPEN AN ACCOUNT I DID NOT OPEN?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was told my account was set up on automatic payments yet it wasnt causing me to go into collections. I have reached out to try and pay but no answer

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 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
Keeps adding a bill to my account after it was XXXX years old and I informed them that I was cutting my service off after next cycle because I changed services per their rule and after that month cycle they continue to charge 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 2020-05-21 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I saw my recent credit report that I have late payments on my history with this account which I think I am not late at all. 
CB/VICSCRT XX/XX/XXXX, XXXX & XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX unfortunately I got laid off from work at XX/XX/XXXX, due to covid19 pandemic and XXXX XXXX sent my card to collection, I got call from company called Gatestone ( what I find out when I asked who is that ) and I was notified that my balance is XXXX. XXXX $ cents ( right now its about XXXX $ ) at what I responded that I have no chance to pay any amount on any of their fake arrangements ( they told me pay XXXX $ min no matter what, thats funny I need to save money for food cuz here no work ), since that time they added like XXXX $ in fees about which they never told me or sent in email, when I asked why my balance goes up all the time they told me we dont know, ask your bank, after what I called bank and they told me that this is collection company responsibility and they cant access account. 
Other problem whats making me mad is their calls, they didnt missed any single day in last 2,5 months without calling me like 2-3 times a day minimum, sometimes when I pick up the phone they dont even saying nothing and just hang up, but when they start speak they trying to get all the info like SSN, DOB and my name before introducing themselves.

2 weeks ago I called them trying to speak to supervisor and find the way to make some kind of arrangements and somehow stop those calls and very first second he started yelling on me and acting arrogant and mad, breaking me while Ive been speaking with him so I didnt got more passions for that and hang up. 
Right now Im still laid off and waiting for my workplace to reopen on next phase ( Resident of Florida ) and any money I have left I need to keep for food AT LEAST, to survive that. 
P.S - photo below its the only one email what they ever sent me, sneaky liars.

Company response to consumer: Closed with non-monetary relief