vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 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: NC

Complaint narrative:
From XXXX to XXXX their were several fraudulent accounts opened using my personal information without consent. I am in desperate need of these accounts being removed.

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 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
XXXX  XXXX XXXX XXXX account was discharged under Bankruptcy in XXXX. XXXX continued to bill for service despite notification of termination of contract or service. Services were not used from date of notification through and beyond date of discharge. However XXXX XXXX continued to bill for services not used and not wanted incurred prior to discharge and past date of discharge. They subsequently sent balance to collections. Initial collection agency was notified of the Bankruptcy and discussed the service billing periods and the collection was abandoned in XXXX. 
Four years later ( as XXXX was in process of acquiring XXXX and needed collections on the books ) beginning XX/XX/XXXX I received collection notice for the same discharged debt not only under the Bankruptcy but also under the initial collection agency. My complaint is against XXXX for continuing to bill for services after bankruptcy and continuing to collect said debt after it was discharged. Additionally my complaint is against CONVERGENT OUTSOURCING as they continue to attempt to collect a debt that was discharged under bankruptcy in XXXX and discharged by a previous collection agency. They continue to attempt to collect a debt despite dispute through credit reporting on multiple occasions. They have been provided Bankruptcy discharge on multiple occasions. In addition they are attempting to collect a debt that was discharged by a previous collection agency and is more than 7 years old. More importantly Convergent Outsourcing continues to report the debt falsely as new debt as of XX/XX/XXXX more than 4 years after the original debt thereby falsely reporting the history of the debt. Thereby violating Fair Credit Reporting. 

Convergent Outsourcing Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: CBC Companies, Inc.
State: WA

Complaint narrative:
Factual data XXXXXXXX in Colorado ran my report on all bureaus without my permission. This needs to be cleared from my history and they need to be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: DC

Complaint narrative:
Enhanced Recovery has sent collections documents to me in reference to XXXX an account that I did not have nor have did I authorize this account. When I sent a dispute letter Enhanced Recovery sent me statements from XXXX but nothing showing I have conducted business with them. I have also asked for validation of this so-called debt. Enhanced Recovery nor XXXX have an actual contract that I have actually personally signed. Pursuant to 15 U.S.C. 1692g ( 4 ) ( 5 ) A contract is not validation, since I'm the alleged owner of said debt only I can validate the debt since there is no original collector of this debt there is no one other than myself that can validate that information is accurate and valid. This third party can purchase a debt but not the personal information attached.

Pursuant to 15 U.S.C. 1692g, a statement does not prove that the debt belongs to me.

I have never physically signed a lease or contract with anyone from the original creditor office nor your agency, so I need proof of how I owe this money. Especially for an account that has been transferred to a debt collector so whether I did or did not owe any money I no longer owe money to this creditor but its still showing a balance due. A statement from the original creditor or statement from your agency is not proof of a contract nor an agreement. 
Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX  to XXXX, XXXX, and XXXX  requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: NV

Complaint narrative:
The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I have also sent letters to all 3 credit bureaus XXXX, Equifax, and XXXX  over 30 days ago and have not received a reply or response. I will attach the letters that I have sent and singed with my signature. They have violated multiple laws of the United States 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

15 U.S. Code 1692g - Validation of debts They were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I do not validate this debt.

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

THEY HAVE VIOLATED MULTIPLE RIGHTS AND LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed for Chapter XXXX bankruptcy in XX/XX/2011. When I filed XXXX XXXX was the loan servicer/administrator. Equifax and XXXX  credit bureaus are still reporting those accts, 13 years later, as CLOSED with XXXX, instead of XXXX XXXX, as the servicer. Moreover, both are also reporting the SAME 4 accts as OPEN accounts. I did some research to try and find out how long can bankruptcies remain on your credit report ; everything I found stated Chapter XXXX bankruptcy remains on your credit report for 7 years. Both bureaus have the same information listed on their websites, and it is also listed on FICO.com. However, neither has removed the accounts. This seems to be double reporting to me, reporting the same account opened and closed. I have had financial management issues in the past that I am not proud of, but I am trying to re-establish my credit. The time-barred regulation seems to apply to this situation, but I do not know if it applies to Federal Student Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GVA Holdings, LLC
State: NE

Complaint narrative:
I had been looking at my options online for a personal loan but never actually applied for one. The next day I had a flood of emails and text messages from numerous companies. Target Cash Now had sent me a link to see how much I was approved for on XXXXso I clicked on it to see how much the loan would be for not knowing that it would be an actual signature to a loan ... very tricky and not fair. The amount of the loan from them was {$700.00} and the amount owed is currently {$1200.00} as of XX/XX/21 and accruing daily. I called them to explain that I did not apply for this loan and that my banking account is now froze due to fraudulent activity because two companies, including Target Cash Now were involved according to my bank manager. I did make a police report but am still awaiting word on the investigation. The fraudulent activity was the checks sent in were not legitimate. Target Cash Now never asked me any qualifying questions ... income, personal, nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I sent a validation request certified Mail to Santander and it was received and signed for by a XXXX XXXX on XXXX XXXX, XXXX my previous complaint to this company was returned stating that they did not receive said request ( page 2 of attachment XXXX ). attached below is the requests sent and the proof that said validation request was received by Santander Consumer USA. 
They also proceeded to send me a copy of a contract and not the original Only I as a consumer, and the original creditor can validate this debt and I vehemently refute this debt. 

PLEASE BE ADVISED PURSUANT 15 USC 1692g A contract is not validation This is a notice that Santander Consumer USA is in violation of multiple protected rights and should proceed to remedy these violations in the manner provided below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: ADP Inc.
State: DC

Complaint narrative:
I have been requesting my prepaid payroll card from XXXX XXXX  They charged me 3 times to get my card shipped out and they sent it to my employer instead of me. I asked my employer did they receive my card and they told me they haven't. I requested that my card be sent to my home address at XXXX XXXX XXXX XXXX XXXX XXXX Washington D.CXXXX They sent my card to XXXX XXXX md according to the XXXX website. When I requested my card again they continue to hang up on me and they never sent my card. I have a balance of {$750.00}. I previously had {$850.00} before they started charging me shipping fees and did not send my card. I am requesting that they issue me out a check and send it to my home address and cancel and close the account. If they can't do that I am requesting that they issue me another card and send it to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
Around XXXX, 2020 a year or so ago I got a letter in the mail from a collections agency attempting to collect a debt from XXXX. I never heard of this account before this and never opened a XXXX  account. The debt was around {$800.00}. I ended up filing a police report for identity theft. I called XXXX  numerous times. At this point I have called them at least 10 times and have yet to speak to anyone who has been able to help me. They keep saying they will report it and call me 7-10 days. Every time I never get a call. I filled out and submitted a " fraud packet '' on their website 5 times now with all the needed information and more. No response or email like their website says. I have also XXXX XXXX fraud and there are forums discussing this exact situation happening to other people and how XXXX does nothing about it. The debt has now somehow multiplied from the original XXXX or so, to now its over XXXX Not sure how that makes any sense. At this point the lack of XXXX  dealing with this, and the fact that I have consistently provided and been transparent giving them all the information, they have not responded with it. I would also like to add, when the XXXX account was originally opened fraudulently using my private information, my credit was never dinged or notified. I have credit karma that should notify if someone opens an account in my name. My information has been breached in 19 different hacks. The fact that I have called XXXX for the last year trying to have this removed from my credit and no response, as well as numerous other people online stating the exact same thing happening, this must be a reoccurring scam. PLEASE HELP 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 2021-06-11 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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2008 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WI

Complaint narrative:
Four unauthorized transactions I ( and my husband, the other authorized cardholder ) did not make posted to my card on XXXX XX/XX/2021 at approximately XXXX XXXX I was at work at the time and I heard the SMS alert come to my phone that a transaction had been processed on my credit card. 

As I did not recognize the charges, I checked with my husband the next day ( XX/XX/XXXX ) to see if he had done any transactions whatsoever online for either XXXX or XXXX ( the purported sites involved in the transaction ). He did not. That day I called Discover and notified them that the transactions were fraudulent. They said that they could not open a dispute until the charges posted, but I could put a freeze on the card. I did that. I called XXXX, which was the processor these purchases supposedly went through, and there were no transactions at all on my account during this time period. I also checked with my husband and he did not make any purchases through XXXX. I removed the credit card link with Discover on my XXXX to be on the safe side. 

When the transactions posted on Sun XX/XX/2021 I opened a formal dispute and requested that my card number be changed. This was done. The small charge for {XXXX} was credited without a dispute. 

I received notification and documentation from Discover dated XX/XX/2021 that the three charges above {$40.00} were found to be valid upon investigation and that the dispute was being closed. Included in their documentation was a copy of the purported purchase, which were all items that, firstly, I did not recognize and would not purchase, and secondly, did not receive. They were all supposedly delivered to my front porch, but these items were not delivered here and I did not receive any of them. There is no signature documentation nor a photo of the completed delivery. I searched my email for both the tracking number and the order number for the alleged purchases and there was no results. ( Under normal conditions there would be many emails regarding both a purchase and a delivery, usually including a photo of the delivery ). 

I am attaching documentation : 1 ) my XXXX activity, which shows one purchase of {XXXX} on XX/XX/XXXX. This is the only purchase I have made on XXXX this year. 
2 ) my XXXX activity, which does not include any transactions for XXXX past the XX/XX/XXXX date and no transactions for the disputed amounts at all. 
3 ) four responses from Discover regarding the disputes 4 ) screenshot of my only email account showing a search for " XXXX order '', which shows no order past the XX/XX/XXXX order for {$10.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity 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 explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
In early XX/XX/2021, l told my mortgage company that l wanted to come off the covid19 forbearance. They advised me that because l had an escrow shortage of XXXX}, if l did not pay it in full, my payments would jump to {XXXX} from the {XXXX. So on XX/XX/2021, l paid them XXXX} to be applied to the shortage. Unbeknownst to me, they never applied it to the escrow shortage. They then told me that my next payment was due on XX/XX/2021. They then sent me an agreement, whereby some XXXX} that had accrued during the Covid19 forbearance would be added to the back end of the loan balance. 

On XX/XX/2021, l sent a payment of XXXX for that month 's payment. They then advised me that my first mortgage payment post forbearance was due on XX/XX/2021. I asked them to apply the XXXX they received on XX/XX/XXXX to my XXXX payment. 

On XX/XX/2021, l sent a payment of XXXX for that month '' s payment. Then l get a letter on XX/XX/2021, advising me that l owed XXXX and XXXX 's payments. I then called and spent almost 2 hours on the phone with them seeking clarification. They then advised that l only owed XXXX 's payment, because the XX/XX/XXXX payment could not apply to XXXX because it was made before the finalization of the forbearance settlement. 

Then they referred me back to the Escrow department. After much wrangling with them, a gentleman finally agreed to ask that the XXXX} apply to the escrow shortage, thus reversing my monthly payments to {XXXX}. That was after some 8 calls to them and more than 10 hours on the phone. When l asked him about the {XXXX} total payments they were holding, he told me he could only talk about escrow and referred me back to the previous department. 

There, after another marathon conversation, the gentleman told me that if l did not make a payment for XX/XX/2021, l would be reported to the credit bureaus. Mind you, they still haven't accounted for the XXXX} l paid in XXXX. When you factor the XXXX} l paid in early XXXX, l would need to make a second {XXXX} payment in XXXX to preserve my credit score. This is highway robbery. I want them to apply the XXXX} payment l gave them in XXXX to the XXXX payment and apply the payment l made in XXXX, to the XXXX payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMCB CARD SERVICES XXXX - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove. 

JPMCB CARD SERVICES XXXX - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 35 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been over 35 days, so they should be erased immediately.

Company response to consumer: Closed with explanation