vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 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: NY

Complaint narrative:
XXXX, I found a XXXX XXXX account in collection on my credit reports. This is not my account. It was opened at an address that I have never resided, or know anyone who ever resided there. I contacted the Convergent which is the collection agency XXXX XXXX used to advise them of fraud and next steps. 
I contacted XXXX, XXXX  and XXXX  to dispute the collection amount and the account. 
XX/XX/2019 I filed an identity theft report with FTC. 
Convergent agent told me I would receive a statement in the mail of the charges and I could use said statement to file a police report of identity theft. 
XX/XX/XXXX, I filed an Identity theft claim on FTC Website. 
On XX/XX/2019, I received a statement from Convergent statement that XXXX did not accept my dispute and fraud claim. 
XX/XX/XXXX, I sent a letter to XXXX to advising them of the fraud.

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 2019-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TRANSUNION have been reporting inaccurate information about several of my accounts. i have written multiple letters for them respond and correct these items that are hurting my credit score greatly and affecting my family is ways they do not understand nor care about. Below I will list the items they have been misreporting for over two years now and I have almost given up. Please Help.XXXX XXXX**** How is it possible that the account was transferred 2 years ago but “Date Last active” was XX/XX/XXXX? It can’t be both. TU says 120 days late and XXXX  says 180 days. It cannot be both. TU are also reporting 120 days late (9 times)..XXXX  shows late 120 days 1 time. It cannot be both. REMOVE and DELETEXXXX XXXX****TU are reporting that this account is a “Charge Off” and that there is a “Balance” and “Past due” amount of $XXXX? It cannot be both. TU are reporting “date last active” as XX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collections account ever. XXXX  is showing “date last active” is XX/XX/XXXX and  “date of last payment” wasXX/XX/XXXX.That doesnt match the other credit bureaus.This account is being RE-AGED also and is illegal. Remove and Delete immediately.XXXX XXXX****AGAIN, with this account you are reporting that this account is a “Charge Off” and a “Past due” amount of $XXXX? It cannot be both!  You are reporting “date last active” asXX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collection account ever. XXXX  is showing “date last active” is XX/XX/XXXX and  “date of last payment” wasXX/XX/XXXX. The other bureaus report different. This account is being RE-AGED to show it was late active and last payment was this year also and is illegal. Remove and Delete immediately.

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 2019-12-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On: Wednesday XX/XX/XXXX, I received an E-Mail from: Synchrony Bank, letting me know that $XXXX  of my Minimum Payment Due to them, for my CareCredit Account, was never Credited to Synchrony Bank, by: XXXX XXXX XXXX, which they have already took care of my Minimum Payment Due, to: Synchrony Bank already, and is reflected that Payment, on my Bank Statement that I received by: Synchrony Bank already, as a Credit to my Account with: CareCredit.

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 2019-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Bank advertised the account as earning 2.15% Annual Percentage Yield for Balances of $XXXX or more and then changed it with no notice to 1.90% APY. This was false advertising and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
THIS IS ANOTHER COMPLAINT BECAUSE MY LAST COMPLAINT XXXX DID NOT GET RESOLVED. They still did not send my refund check BUT I received a letter in the mail of a copy of my response so I know they have the correct address and just never sent the refund check. In the month of XX/XX/XXXX, I paid my monthly loan bill of $XXXX on XX/XX/XXXX, and they also took out the $XXXX again onXX/XX/XXXX. I wasn’t planning on paying my bill twice that month and it made my checking account negative and I was charged that $XXXX  overdraft fee as well. I called them and asked them to refund me one of my payments. They said they could only do it via check in the mail and that it would take up to two weeks. I said ok and waited for it to come in. After 3 weeks, nothing came in and I called them again. They said they would send it again. This went on for 2 months. By then I saw it come off my account so I thought this time they actually refunded it back to me and still got nothing. I called them and they said it could go back to my account (when all the other times no one told me this). I thought great and waited for that. Nothing came in and I called a week later and they said they couldn’t even do that and that they would send it again. I tried having them send it to another address as well and it is now the end of November and I still have not received my refund AND it’s not on my account anymore. The last time I asked for it I asked for a tracking number and they said there isn’t one available I just have to hope for the best and wait. They told me they added notes to the account as well. I asked for a copy of the notes emailed to me and they said they couldn’t do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: TX

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS
State: GA

Complaint narrative:
Lexis nexis said they verified that I with a supposed clerk of court that a name matching mine filed a bankruptcy with the clerk of court. I expressed to the rep this is in no way true. It is my understanding that the county clerk is not allowed to give my information to a third party anyways so even if I did how would they know accurately to verify any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian have been reporting inaccurate information about several of my accounts. i have written multiple letters for them respond and correct these items that are hurting my credit score greatly and affecting my family is ways they do not understand nor care about. Below I will list the items they have been misreporting for over two years now and I have almost given up. Please Help.XXXX XXXX**** How is it possible that the account was transferred 2 years ago but “Date Last active” was XX/XX/XXXX? It can’t be both. XXXX  says 120 days late and Experian says 180 days. It cannot be both. XXXX  are also reporting 120 days late (9 times)..XXXX  shows late 120 days 1 time. It cannot be both. REMOVE and DELETEXXXX XXXX****XXXX  are reporting that this account is a “Charge Off” and that there is a “Balance” and “Past due” amount of $XXXX? It cannot be both. XXXX  are reporting “date last active” as XX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collections account ever. XXXX  is showing “date last active” is XX/XX/XXXX and  “date of last payment” was XX/XX/XXXX.That doesn't match the other credit bureaus.This account is being RE-AGED also and is illegal. Remove and Delete immediately.XXXX XXXX****AGAIN, with this account you are reporting that this account is a “Charge Off” and a “Past due” amount of $XXXX? It cannot be both!  You are reporting “date last active” as XX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collection account ever. XXXX  is showing “date last active” is XX/XX/XXXX and  “date of last payment” wasXX/XX/XXXX. The other bureaus report different. This account is being RE-AGED to show it was late active and last payment was this year also and is illegal. Remove and Delete immediately.

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 2019-12-17 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: TX

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2019-12-17 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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Search ROI, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is using a misleading adverting on XXXX showing XXXX XXXX  males showing off free cash. In reality the adverting link is forward to a high interest rate. XXXX XXXX XXXX XXXX XXXX address is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX with a phone number if XXXX. 

Please look into the misleading advertising that XXXX XXXX XXXX XXXX XXXX is using on XXXX ( XXXX XXXX XXXX ) Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, My JP Morgan Chase credit card was charged {$2000.00} without my authorization from a handyman I used in XXXX. Attached you will find that all invoices are paid and I have never used his service again nor I receive any invoices from him again. I reported this fraud charge to JP Morgan Chase and cancel this credit card on XX/XX/XXXX. On XX/XX/XXXX, I receive the FIRST phone call regarding this fraud reporting and I was told they do not accept it to be fraud charge and it is my responsibility to pay back {$2000.00} even though I told Chase, this company no longer exists, its state registrations are all expired, it has closed its business and skip town. Chase has never requested any documentation from me as to why this is a fraud charge. Yet they made a determination per a phone call with me. I believe Chase has paid this merchant despite my fraud reporting and now they are trying to hold me liable for this fraudulent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I applied for a credit card with USAA in XXXX. I moved locations to a new address before receiving the credit card in the mail. I never activated or had possession of or used the card at any point in time. I suspect that roommates of mine where the card was delivered may have activated the card mistaking it for there own, USAA is a popular military bank and at the time I was in the military. I switched over to a new bank ( XXXX XXXX XXXX XXXX ) when I moved and never used USAA after that. The credit card remained open, and at a certain point during the last 5 years an annual fee was assessed to that card. Because I had no knowledge of this line of credit including the fact that it did not show on 2 of the 3 credit bureaus, the account went into deliquency some time in XXXX, resulting in many 120 day deliquency mark on my credit and ultimately the amount of {$38.00} was charged off to a collection agency. The only reason I discovered this account was that in XXXX I had been applying for credit cards and was repeatedly denied ... I contacted one of the companies I had applied for credit with and found out through them that I had a deliquent account that was causing me to be denied for that card. This is over 3 years after that account became deliquent, and I had zero knowledge that it existed. I am not fervent in monitoring my credit report but can say for sure that the apps and credit reports that I check most often ( XXXX  and second to that XXXX  ) had no information in my report for a deliquent account. Had I known about that {$38.00} charge at any point during the last 5 years that was open or deliquent I would have paid it. I contacted USAA to discuss and correct all of this without any resolve. I was told that I had no choice but to pay the {$38.00} to close the account, and that it would be my responsiblity to contact the credit bureaus to fix the negative credit caused by this credit card. I spent literally dozens of hours escalating this incident within the company, contacting them through phone and email, escalating it to the point of sending a personal email to the CEO. I had a conversation with a member with a customer relations employee that worked directly for the CEOs office, who was disrespectful and incredibly rude, and blamed me for not being more on top of my credit monitoring. I am particularly distraught by the fact that USAA is a US service member oriented bank, who claims to be supportive of veterans and allied with the best interested of active duty, retired, and all other veterans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MA

Complaint narrative:
The collection agency, XXXX XXXX XXXX XXXX ( Professional Bureau of Collections of Maryland , Inc. ( PBCM ) collecting on the wrong loan. XXXX has three Perkins Loans, two from XXXX College and one from XXXX. The XXXX College Perkins Loan was sent by mistake to this collection agency by XXXX. XXXX already had a payment arrangement on this Perkins Loan. We went to XXXX College to find out why this collection agency had a XXXX College Perkins Loans. We went to XXXX after making several attempts to work out a payment plan, thinking the collection agency was being honest, saying they had the right loan. We sent all the materials requested, pay stubs, expenses, medical bills, everything they requested to XXXX. Followed up, asking if they had everything they need. Repeatedly contacted XXXX XXXX at XXXX XXXX, nothing, XXXX XXXX at XXXX XXXX, nothing. XXXX XXXX paycheck is now being garnished. Followed up with the collection agency again, resubmitted all the paperwork to them, this time through a new program, again nothing. When I finally got XXXX XXXX on the phone again, and challenged the loan, saying we had a payment arrangement on it, she insisted we didn't. We went to XXXX XXXX at XXXX College and explained all of this. After a couple of weeks, XXXX determined they had in fact sent the wrong loan to XXXX XXXX, and recalled it. XXXX XXXX is trying to collect on the wrong loan, attached XXXX XXXX pay stub. We are trying to resolve this, happy to make payment arrangements, but the wrong loan was sent to collections, ruined her credit, attached her pay. Creditor Account Number XXXX All we want is ecall the loan from the collection agency, back to XXXX, so we can set up a payment arrangement, update the credit, and IMMEDIATELY RELEASE THE LEVY. The IRS can do it instantly, XXXX XXXX said it takes five months.r

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX have been reporting inaccurate information about several of my accounts. i have written multiple letters for them respond and correct these items that are hurting my credit score greatly and affecting my family is ways they do not understand nor care about. Below I will list the items they have been misreporting for over two years now and I have almost given up. Please Help.XXXX XXXX**** How is it possible that the account was transferred 2 years ago but “Date Last active” was XX/XX/XXXX? It can’t be both. XXXX  says 120 days late and XXXX  says 180 days. It cannot be both. XXXX  are also reporting 120 days late (9 times)..Equifax  shows late 120 days 1 time. It cannot be both. REMOVE and DELETEXXXX XXXX****XXXX  are reporting that this account is a “Charge Off” and that there is a “Balance” and “Past due” amount of $XXXX? It cannot be both. XXXX  are reporting “date last active” as XX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collections account ever. Equifax is showing “date last active” is XX/XX/XXXX and  “date of last payment” wasXX/XX/XXXX.That doesn't match the other credit bureaus.This account is being RE-AGED also and is illegal. Remove and Delete immediately.XXXX XXXX****AGAIN, with this account you are reporting that this account is a “Charge Off” and a “Past due” amount of $XXXX? It cannot be both!  You are reporting “date last active” as XX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collection account ever. Equifax is showing “date last active” is XX/XX/XXXX and  “date of last payment” was XX/XX/XXXX. The other bureaus report different. This account is being RE-AGED to show it was late active and last payment was this year also and is illegal. Remove and Delete immediately.

Company response to consumer: Closed with explanation